My car was stolen along with my purse so The insurance sent for the details of my licence and there were points on that I was not aware of. So they are now saying that if they had know this they would not have insured me so it is void. So not only have they written off my car but I will not get paid out what can I do they have had my money and I did not tell them because I did not know what can I do
2007-08-24 21:03:09 · 18 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
I fail to see how you did not know you had points on your licence....you would have had a fine as well...so there may be a warrant for non payment of fine....if you moved address and did not tell DVLA then that is an offence as well.....I know it sounds harsh, but thats what insurance companies look at...did you tell them everything...if not then they can void your insurance.
Have they got the right person....??
2007-08-24 21:10:08 · answer #1 · answered by Knownow't 7 · 4⤊ 0⤋
I find it difficult to believe, like others, that you can claim you didn't know you had points on your licence. There would have been a lot of paperwork regarding whatever the offence was and you would have had to pay a fine too. Clearly the insurers don't believe you either.
Sorry, but it is quite clear that you must declare any points to the insurers and failure to do so can invalidate your cover.
They're entitled to information from DVLA in the course of their business, it's considered a valid "need to know".
It's always possible of course that someone had access to your licence and has been using your identity; it'd be interesting to know if the points were added after you lost your purse, though there would still have been correspondence to the registered address, i.e. yours. Don't think this one will fly, I'm afraid.
2007-08-24 21:29:49 · answer #2 · answered by champer 7 · 0⤊ 0⤋
DVLA issues notices by post when there are points added to your licence so you should have received this. Find out when DVLA added the points - if this was after you originally took out the insurance on your car you are covered but if not I am afraid you are not as you did not give full disclosure when applying for your insurance. If points were added after and insurance will still not pay then contact the Insurance Ombudsman on the web they will assist - good luck
2007-08-24 21:11:21 · answer #3 · answered by korcula 2 · 0⤊ 0⤋
simple way out of this if you are telling the truth contact the court which imposed the points and get details of the offence committed, somewhere along the line the reg number will show of the car that your were driving if it was not your car inform the police, inform the insurance company that you may be the victim of ID fraud, if indeed you have the police will verify this fact and your claim will be paid.It may take some time but what else can you do.
If the reg number is located and it is not your car the police will have all the details of the driver from there insurance data base
2007-08-24 22:09:14 · answer #4 · answered by Anonymous · 2⤊ 0⤋
I can't understand how you didn't know you had points on your locence, if genuine, ask for a copy of all documentation relating to the fine etc and what it was actually for.
The insurance company are quite within the law to refuse to pay out due to non-disclosure, which I personally agree with.
Too many people do try to buck the systems to cover their mistakes or actions.
However, if you are genuine, contact the CAB, as advised previously and approach the Insurance Ombudsman for their help.
2007-08-25 00:17:59 · answer #5 · answered by lynn a 3 · 0⤊ 0⤋
A few issues here Lisa.
Firstly I don't for one minute believe that you were unaware of the points imposed on your license.
Secondly, what was your purse doing in the car? Bet the keys were in the ignition as well!
Thirdly you don't get away with lying to anyone. They'll find out sooner or later. The same goes on this board!
You have got what you deserved. Luckily you didn't get involved in a RTA, then you would have been in really deep s***.
2007-08-25 22:00:01 · answer #6 · answered by Anonymous · 0⤊ 0⤋
If you don't think the points are yours you need to contact the court that convicted you and ask them for details and if they agree that they will quash it then you will need to go to court and sign a sworn affadavid and then the court will quash the conviction and inform DVLA and they will then amend your record - DVLA only act as record keepers for points and endorsements - they cannot add or remove without an instruction from the court.
2007-08-26 10:46:46 · answer #7 · answered by sjjosey 2 · 0⤊ 0⤋
Get a good lawyer. I do hope you have a police report on the theft before you called the insurance company. Also, it sounds like the insurance company is on the verge of committing fraud themselves. Sue the pants off them. A good lawyer should take the case for a percentage.
2007-08-24 21:10:45 · answer #8 · answered by johnny b good 4 · 0⤊ 0⤋
I find it hard to believe that you had points on your licence and you didn't know about it. This is what you get for not disclosing ALL the details to your Insurance Company.
2007-08-25 09:20:16 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Insurance companies will try anything to get out of paying on a policy, i suggest you try the "citizens advice centre" or try a solicitor that does the first consultation free. i would not hold much hope though, but then try and get your policy money back that you sent , but that may even be lost as they will say you falsified a document and so therefore lose any rites. Good luck.
2007-08-24 21:14:06 · answer #10 · answered by Paul W 3 · 0⤊ 1⤋