Will insurance company check to see if you have penalty points?

Beatty69 · 12-04-2021 4:37pm #1

Hi,

Wonder if anyone can help, no judging please.

I have penalty points that I haven't declared because in 30 years I've never had an accident but of course as luck would have it I've now had one.

Will the insurance company go and check my penalty point record now that a claim is going in?

davo2001 · 12-04-2021 4:39pm

they ask when you renew your insurance. If you dont declare them and have an accident then your insurance is null and void and won't pay out.

If it's 3 points or less then it shouldn't affect your insurance cost

Padre_Pio · 12-04-2021 4:40pm

They usually don't care unless you have more than three.

They don't check anything when you take out the policy.

Guaranteed they'll check if you ever need to make a claim.

Cheensbo · 12-04-2021 4:41pm

They'll likely check, how many have you?

Horusire · 12-04-2021 4:42pm

davo2001 wrote: »

they ask when you renew your insurance. If you dont declare them and have an accident then your insurance is null and void and won't pay out.

If it's 3 points or less then it shouldn't affect your insurance cost

They will obviously pay out to the third party if there is one?

Del2005 · 12-04-2021 4:47pm

Horusire wrote: »

They will obviously pay out to the third party if there is one?

And then go after the OP for whatever they pay out because they didn't declare the points. You have to declare them when you get the letter from the RSA not at renewal because getting penalty points is material change to the policy.

Beatty69 · 12-04-2021 5:03pm

Cheensbo wrote: »

They'll likely check, how many have you?

6

Cheensbo · 12-04-2021 5:09pm

Beatty69 wrote: »

6

You're up against it i'd say -

I would probably say nothing and own up to the oversight if / when the time comes and hope for the best,

Insurance companies are not the forgiving type though, i wish you luck.

12-04-2021 5:10pm

Beatty69 wrote: »

6

35% loading with AXA

Beatty69 · 12-04-2021 5:12pm

Cheensbo wrote: »

You're up against it i'd say -

I would probably say nothing and own up to the oversight if / when the time comes and hope for the best,

Insurance companies are not the forgiving type though, i wish you luck.

Time has come, had an accident on Friday.

Cheensbo · 12-04-2021 5:16pm

Beatty69 wrote: »

Time has come, had an accident on Friday.

I know, I was trying to be a bit cryptic rather than straight out tell you to keep shtum unless it specifically comes up. I wouldn't be doing their work for them like.

Atlantic Dawn · 12-04-2021 5:19pm

Aviva, Axa, Allianz, FBD, Liberty, RSA and Zurich have access to the penalty points database already, not telling them would be foolish.

https://www.irishtimes.com/life-and-style/motors/motor-insurance-firms-given-access-to-penalty-points-database-1.2727474?mode=amp

Gerry T · 12-04-2021 5:25pm

Beatty69 wrote:

Time has come, had an accident on Friday.

If the accident is your fault and not expensive msy be best to just pay the bills yourself.
Other parties fault no issue.
Guards involved thats a problem

endacl · 12-04-2021 5:30pm

Best case scenario: They never become an issue.
Worst case scenario: The insurer takes the premium off you, you have an accident with another car, and they revoke cover because of undeclared points. While keeping your premium of course, because they have to compensate the other driver.

Tell them. If they load your premium, it'll be double figures at worst. Possibly no change.

Edit: Right. Just read 6 points! Halfway to a ban! Either slow down or stop bumping into things!!

BailMeOut · 12-04-2021 5:30pm

Definitely tell them however I have six points and it has made no difference to my premiums but I do shop around via two brokers and Chill.ie.

CoBo55 · 12-04-2021 5:30pm

Cutting through the double talk, you had 6 points at your most recent renewal and didn't declare them, now you need to make a claim is that correct?

endacl · 12-04-2021 5:34pm

Gerry T wrote: »

If the accident is your fault and not expensive msy be best to just pay the bills yourself.

Depends on the goodwill/patience of the other driver.

After a bad experience, if it were me he'd crashed with, it'd be going through insurance from the get go. Up to the other driver if they want to pay back their Insurance company then.

LollipopJimmy · 12-04-2021 5:39pm

CoBo55 wrote: »

Cutting through the double talk, you had 6 points at your most recent renewal and didn't declare them, now you need to make a claim is that correct?

That's my reading of it.

Whatever about what happens now, they will pay out the third party but May come after you for this. Also good luck getting insurance in future, this is not something they look kindly on thankfully

biko · 12-04-2021 6:13pm

Posts advocating lying to insurer removed.

ED E · 12-04-2021 6:16pm

LollipopJimmy wrote: »

That's my reading of it.

Whatever about what happens now, they will pay out the third party but May come after you for this. Also good luck getting insurance in future, this is not something they look kindly on thankfully

Yeah, a cancelled policy is the big stick youll be facing OP.

stopthevoting · 12-04-2021 6:21pm

CoBo55 wrote: »

Cutting through the double talk, you had 6 points at your most recent renewal and didn't declare them, now you need to make a claim is that correct?

LollipopJimmy wrote: »

That's my reading of it. ...

Not necessarily AT the most recent renewal. It could have been SINCE the most recent renewal. And if so, post number 6 refers to that situation anyway.

FileNotFound · 12-04-2021 6:40pm

Sorry to hear OP - hindsight is great and all.

Google if your company is meant to have access to the system for points.

If they do I suppose you have 2 options, 1 contact and hope for the best (Hard to know with insurance as they are a bit soulless) or 2 seee if you can cover costs somehow (obviously dependent on damage quantity this may not be feasible).

Tough one to be caught in. I imagine they check as part of processing and if they catch it down the line you may just get an auto letter about how they won't fulfill... Then I am not sure what happens legally.

Eggs For Dinner · 12-04-2021 7:14pm

Insurers usually ask for a completed claim form and a copy of the current licence in the event of a claim. The licence will then be checked for points. That is why they insist on these documents, even if you attempt to settle privately. At inception or renewal, they take your word for it on what you are declaring. In the event of a claim, they check everything out.

If you are at fault, they will pay the 3rd party. They are within their rights to refuse a claim for your own damage. More frequently, they will seek to recover their outlay from you personally if there has been a misrepresentation

We don't know when the points were accrued. Some policies say you must advise insurers immediately, some say at renewal. This is important. BTW, because some insurers don't load for X amount of points doesn't mean you don't have to declare them. You must and it is up to the insurer to decide if it's material

Henry Ford III · 17-04-2021 2:10pm

Did you not declare the points to save a few € on the premium O.P?

Beatty69 · 19-04-2021 9:53pm

Henry Ford III wrote: »

Did you not declare the points to save a few € on the premium O.P?

Yes obviously.

Henry Ford III · 20-04-2021 12:07pm

Beatty69 wrote: »

Yes obviously.

That was unwise at best.

FileNotFound · 20-04-2021 1:21pm

Henry Ford III wrote: »

That was unwise at best.

This comment was unhelpful at best.

@OP: Any luck on talking to the company or is it a waiting game?

Eggs For Dinner · 20-04-2021 1:33pm

FileNotFound wrote: »

This comment was unhelpful at best.

?

Why would you want to be helpful towards someone who has admitted insurance fraud?

FileNotFound · 20-04-2021 1:41pm

Eggs For Dinner wrote: »

Why would you want to be helpful towards someone who has admitted insurance fraud?

The OP came on admitting they had done wrong, and looking for some advice - if there was to be any in his/her current circumstances.

Cannot see the point in useless comments that contribute nothing of value. Guess maybe the view is different from up on the high horse..

Eggs For Dinner · 20-04-2021 1:47pm

FileNotFound wrote: »

Cannot see the point in useless comments that contribute nothing of value. Guess maybe the view is different from up on the high horse..

Well I trust we won't be seeing any comments in the future from you on your little Shetland pony giving out about high insurance premiums or how insurers should do more to prevent fraudulent claims etc

FileNotFound · 20-04-2021 1:55pm

Eggs For Dinner wrote: »

Well I trust we won't be seeing any comments in the future from you on your little Shetland pony giving out about high insurance premiums or how insurers should do more to prevent fraudulent claims etc

I suspect you won't - besides as the insurer will potentially find out and the OP will pay for the damages or have trouble with insurance going forward, will he/she really be the reason for high insurance, or is that more likely to be the false injury claim for 40k...

Hopefully the OP has learned a lot from our lack of useful discussion.

CoBo55 · 20-04-2021 2:03pm

Eggs For Dinner wrote: »

Well I trust we won't be seeing any comments in the future from you on your little Shetland pony giving out about high insurance premiums or how insurers should do more to prevent fraudulent claims etc

Where do you put the insurance disc on a Shetland pony?

CoBo55 · 20-04-2021 2:05pm

FileNotFound wrote: »

I suspect you won't - besides as the insurer will potentially find out and the OP will pay for the damages or have trouble with insurance going forward, will he/she really be the reason for high insurance, or is that more likely to be the false injury claim for 40k...

Hopefully the OP has learned a lot from our lack of useful discussion.

Mother of God in heaven spare us...
Boards.ie at its best.

Zenify · 20-04-2021 2:12pm

Once the insurance company finds out about your penalty points they will be against you. There is no ahh sure its grand with this sort of thing. Do not lie any further if questioned about it but I would not ring them to tell them.

CoBo55 · 20-04-2021 2:15pm

Zenify wrote: »

Once the insurance company finds out about your penalty points they will be against you. There is no ahh sure its grand with this sort of thing. Do not lie any further if questioned about it but I would not ring them to tell them.

Hard to know what punishment they'll hand out but I can't see them taking his house as some here would lead you to believe.

Dempo1 · 20-04-2021 2:35pm

Beatty69 wrote: »

Hi,

Wonder if anyone can help, no judging please.

I have penalty points that I haven't declared because in 30 years I've never had an accident but of course as luck would have it I've now had one.

Will the insurance company go and check my penalty point record now that a claim is going in?

Generally it's up to policy holder to disclose any penalty points at renewal or taking out new policy. The consequences of not disclosing could result in policy being voided. Specifically, you ask because of a pending claim, I have to say it's quite likely this will be checked in this circumstance.

berettaman · 20-04-2021 2:44pm

Dempo1 wrote: »

Generally it's up to policy holder to disclose any penalty points at renewal or taking out new policy. The consequences of not disclosing could result in policy being voided. Specifically, you ask because of a pending claim, I have to say it's quite likely this will be checked in this circumstance.

For a variety of stupid reasons .. have x number of points .
declared it and get a 30% loading.

If your insurance is €600 it becomes say, ..€800 or even €900 then.
If you have a serious accident that costs €€€'000 and you are covered.
This is a no brainer surely.?

Dempo1 · 20-04-2021 9:28pm

berettaman wrote: »

For a variety of stupid reasons .. have x number of points .
declared it and get a 30% loading.

If your insurance is €600 it becomes say, ..€800 or even €900 then.
If you have a serious accident that costs €€€'000 and you are covered.
This is a no brainer surely.?

Not sure what your point is? (No pun intended), my answer to the OP relates to the question asked, namely disclosing penalty points and insurance company checking same now that a claim has commenced. Not at all sure why your referring to cost of insurance when disclosing penalty points, clearly that was not done as per OP"s concerns.

tcawley29 · 21-04-2021 12:11pm

Hope the OP gets nailed for this

Henry Ford III · 21-04-2021 3:03pm

FileNotFound wrote: »

This comment was unhelpful at best......

It was totally accurate.

seandurcan1966 · 07-09-2024 8:12pm

FROM CITIZENS ADVICE:

Penalty point endorsements remain on your licence record for 3 years and must be notified to your insurance company when applying for motor insurance. Motor insurance companies have had access to the National Vehicle and Driver File since 2014.

bennyx_o · 07-09-2024 8:23pm

Over 3 years ago now so the OPs penalty points are gone…

Will insurance company check to see if you have penalty points?

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