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How do insurance companies find out about points on licence?

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  • 25-03-2019 9:37pm
    #1
    epicmoe
    Registered Users Posts: 122 ✭✭


    how do insurance companies find out about points on licence?






    "asking for a friend"


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    #2
    Marcusm
    Registered Users Posts: 10,218 ✭✭✭✭Marcusm


    Mostly you tell them!


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    #3
    BrokenArrows
    Registered Users Posts: 7,500 ✭✭✭BrokenArrows


    epicmoe wrote: »
    how do insurance companies find out about points on licence?






    "asking for a friend"

    You tell them.

    Or you lie to get a cheaper insurance premium.

    However if you crash after giving the wrong points number than they will say your insurance is invalid.


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    #4
    Phileas Frog
    Closed Accounts Posts: 946 ✭✭✭Phileas Frog


    Quinn used to have access to the database, I assume Liberty do now. Possibly others.


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    #5
    Get Real
    Registered Users Posts: 889 ✭✭✭Get Real


    They have access to the database but most likely, will take your word for it. At least when it comes to payment of your premium.

    If something were to happen then and you were to have an accident, they could refuse to pay out after accessing the data base. Basically it's a win win for them. Happy to take your money, but if they find out you were lying to them, they won't pay out (nor should they have to imo)

    https://www.google.com/amp/s/www.irishtimes.com/life-and-style/motors/motor-insurance-firms-given-access-to-penalty-points-database-1.2727474%3fmode=amp


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    #6
    tea and coffee
    Registered Users Posts: 1,823 ✭✭✭tea and coffee


    They definitely have access to a database. I told them about my points and they were able to tell me when they were given.


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