Driving licence points

[dnadin0]

When someone gets points on their licence, should they let their insurance company know ?

[sir.prize]

I do not think it is essential to contact them and tell them. But when you come up for insurance renewal, you MUST declare it.

[dnadin0]

Oh dear, it's been three years now....................

[Buenchico]

You are meant,/i> to tell your insurance company immediately when any information, which was supplied when the policy was taken out, changes. Otherwise the policy might be invalidated. This includes things like changing jobs, retiring from work or becoming unemployed. It also includes things such as changing your address or simply changing where you park your car overnight. Obviously, it will include such things as driving convictions and fixed penalty offences. (For those driving offences which involve a court appearance, my insurance document states that the insured person must notify the insurers as soon as they're charged. The insurers don't seem to recognise the principle of 'innocent until proven guilty').

In practice, most people don't get round to informing their insurance company until the renewal date. Even at this late stage, it would probably be best to contact your insurance company about your 'oversight'. Otherwise, you might find that you have to pay, out of your own pocket, to replace the Ferrari which you run into next week. (Worse still, you could be at fault in an accident which leaves the occupants of the other vehicle requiring 24 hour care for the rest of their lives. If you're not insured, you will be required to pay for this).

Chris

[Buenchico]

Oops! Apologies for everything being in italics. I really must remember to click 'preview', to check the HTML tags, before posting!

Oh, Merry Christmas, by the way!

Chris

[katangel26]

If you do not declare it and you're involved in an accident they can cancel your policy and deny your claim if they find out. Which they more than likely would do.

[stephen1947]

Yes without a doubt. Honesty is the best possible.