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Declaring points.

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devojunior
Brolly Dolly



Joined: 12 Sep 2010
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PostPosted: 12:31 - 09 Dec 2011    Post subject: Declaring points. Reply with quote
When do i stop informing insurance of points when they ask if iv got any in last 5 years ? is it the date on the counterpart of my license ?

It says 1st june 2007 so by this june coming i no longer have to infom them right ?
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rtho782
Nitrous Nuisance



Joined: 08 Jun 2011
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PostPosted: 12:55 - 09 Dec 2011    Post subject: Reply with quote
5 year from date of conviction.

So, if your date on your license is 1st June 2007, then 1st June 2012 you don't have to declare.
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Walloper
Super Spammer



Joined: 24 Feb 2005
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PostPosted: 16:01 - 09 Dec 2011    Post subject: Reply with quote
https://www.direct.gov.uk/en/Motoring/DriverLicensing/EndorsementsAndDisqualifications/DG_4022550

Does Google only work in certain parts of the country/planet?
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Conon
Scooby Slapper



Joined: 05 Apr 2011
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PostPosted: 16:25 - 09 Dec 2011    Post subject: Reply with quote
rtho782 wrote:
5 year from date of conviction.

So, if your date on your license is 1st June 2007, then 1st June 2012 you don't have to declare.


Not quite right. If you get a fixed penalty, you never get convicted, so its 5 years from the date of the offence.
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weasley
World Chat Champion



Joined: 16 Oct 2010
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PostPosted: 16:45 - 09 Dec 2011    Post subject: Reply with quote
But let's also be clear, you must answer the question the insurance broker asks you. They are trying to build a risk profile for you and will ask you questions to which an honest answer is expected. Doesn't matter if the points are still on your licence or not, they just want to know what you've been up to over whatever period of time they see fit. They might ask "have you had any penalties or convictions over the last 32 years" and if you have, you must say "yes", even if it was 31 years ago. If you don't like it, find another insurer.
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Walloper
Super Spammer



Joined: 24 Feb 2005
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PostPosted: 16:54 - 09 Dec 2011    Post subject: Reply with quote
weasley wrote:
But let's also be clear, you must answer the question the insurance broker asks you. They are trying to build a risk profile for you and will ask you questions to which an honest answer is expected. Doesn't matter if the points are still on your licence or not, they just want to know what you've been up to over whatever period of time they see fit. They might ask "have you had any penalties or convictions over the last 32 years" and if you have, you must say "yes", even if it was 31 years ago. If you don't like it, find another insurer.


I think that is wrong.
The declaration of points is governed by the Rehabilitation of Offenders Act.
This is so people will not be unfairly prejudiced by passed offences.
The rules vary but you are not legally required to divulge this to anyone if the act deems you don't have to.
It changes but generally driving is five years.

You are correct in saying you have to answer honestly as if you are caught out you will probably be blackballed.
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multijoy
World Chat Champion



Joined: 03 Oct 2008
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PostPosted: 18:56 - 09 Dec 2011    Post subject: Reply with quote
The Rehabilitation of Offenders Act does apply, and the insurance ombudsman said that insurers could ask about spent convictions if they liked, but they'd have to disregard the answer.

(from an old post)

Quote:
[..]By way of analogy, there seems no reason why a rehabilitated drink-driver, if he had evidence, would not have an equally strong case if he was refused insurance or was given less favourable terms and conditions than other policyholders, simply because of his spent conviction. If firms insist on asking questions about spent convictions, then they must effectively ignore the answers they receive. Otherwise, we are likely to consider they have breached their statutory duty.

Similarly, if a firm cancels the policy of a customer who has a spent conviction (but whose licence is still endorsed), simply because the customer did not disclose the endorsement, then we will uphold the customer’s complaint.

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weasley
World Chat Champion



Joined: 16 Oct 2010
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PostPosted: 20:04 - 09 Dec 2011    Post subject: Reply with quote
OK, fair enough, but if they ask, you have to answer and the onus is on them to use the information appropriately.

Or find a different insurer!
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Kwaks
I'm not a fast rider



Joined: 28 Jan 2006
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PostPosted: 21:23 - 09 Dec 2011    Post subject: Reply with quote
5 years for minor, 11 for serious (eg DD10)

however most insurance companies use a computer progrqmme to generate prices, which will disregard out of date convictions.
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Noxious89123
World Chat Champion



Joined: 10 Jun 2007
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PostPosted: 23:21 - 09 Dec 2011    Post subject: Reply with quote
My 3 points came off this year, so next year I'm all clear Dance!
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Old Thread Alert!

The last post was made 14 years, 27 days ago. Instead of replying here, would creating a new thread be more useful?
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