As It's So Quiet On Here This Morning- Car Insurance

SIRandyraven | 10:50 Tue 31st Oct 2017 | ChatterBank

12 Answers

I have a distant relative who forgot to renew car insurance ....errr ok .
So it has lapsed by 4 weeks.
The police stopped them when their automatic number plate reader didn't match car as being insured. The car was towed away and the relative insured car and collected car after paying fees for tow and storage.
They will now expect 6 points on license and fine.
But when they insured car they told insurance they have no points on license , that is correct at time of insuring car.
When they get 6 points do they have to inform insurance company ?
Or wait until they insure next year ?
Just curious .

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Lazarus The Frozen Kitten

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Islay

The same thing happened to me - I explained it to the insurance company at the time and they said to tell them next year.
Thing is when I check my licence the following year I had no points at all!

douglas9401

I recall a question along the lines of any offences current or pending so probably best to get it over with and avoid complications later.

SIRandyraven

Question Author

Humm ...personally I would tell insurance company and get it confirmed in writing if it not an issue.
In the event of a claim they will use anything they can against you to avoid a payout.
I can't remember the questions when I last insured car aka 2 months ago lol
Oh well it's up to them.
They are stupid enough to miss all those renewal emails and not know when it expired , so they would stupid enough to invalidate insurance by not being honest.

Islay

I did get it in writing so I agree with you.
I was very depressed when I missed mine - thought it was on auto renewal and wasn't - I also think I struck lucky with the copper that stopped me as they let me phone and get insurance whilst they were sitting with me in the car!

Peter Pedant

they are I was reliably informed bound by law to tell you to renew
and then tell you by letter that the insurance has ended

so I have always regarded oops I forgot with some doubt....

Maydup

Its very very easy to forget to renew these days since the reminder is likley to be an email, which in many cases is one of many others buried in a sea of information overload. Some emails dont register as important when they are and I have to be really careful myself, not to ignore things and pass them over as spam.