Car insurance

[_mjs_]

Hi all,
I passed my driving test this morning and have been running insurance quotes on comparison sites.

These websites ask for the date I got my full driver's license and I've noticed that if I take this literally and put down that I got my full license in 2012 when I passed my bike test, the quotes come back about £500 cheaper.

So my question is basically this; if I tell them I have had my license two years rather than two hours, am I risking being done for fraud?

Thanks chaps,
-Mark
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Previous Bikes: 2006 Honda XR125L > 2003 Yamaha DT125R > 1996 Honda CB500
Current bikes: 1997 Kawasaki ZZR 600 E5 > 2006 Honda Varadero XL125V

[Monkeypony]

A lot of companies are asking to see copies of documents these days, so if they do and decide there is a discrepancy, they'll hit you with a new premium and an admin charge for the adjustment.

Best to be sure before you click 'buy'!
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Current bike - 2018 H2-SX, 2004 SV1000s, 2016 Aprilia RSV4 RF, 2017 Sherco SERF 300, 2003 Suzuki DRZ400 (stolen - AY53 JUU)

[arry]

Not at risk of being done for fraud - unless of course you admit to wilful deception (doh ).

In the event of the insurer investigating, either as part of a random audit or as part of an investigation into a claim, the insurer may consider your disclosures to be inaccurate and, therefore, attempt to avoid the contract on the grounds of non-disclosure.

However, there are protections for the consumer in this respect against the insurer where the non-disclosure is found to be innocent.

https://www.financial-ombudsman.org.uk/publications/ombudsman-news/7/july-innocent-non-disclosure.htm

In particular this is relevant:
The ABI (Association of British Insurers) Statement of General Insurance Practice requires firms not to repudiate a claim on the grounds:

of the customer's failure to disclose a material fact, if that fact was one that a customer could not reasonably be expected to disclose; or
of misrepresentation, unless it is a deliberate or negligent misrepresentation of a material fact.
The same Statement also requires insurers:

to include clear questions on application forms about matters insurers have commonly found to be material; and
not to ask questions requiring knowledge which the signatory could not reasonably be expected to possess.

So....If the question is unclear, then.....

However - be aware that you're running your quotes through a generic Compare the Meerkat type website and all that does is provide a feed through into the back office system of the panel insurer. The insurer's question can vary, as can the statement of fact they'll issue to you as part of your contract to show you your disclosures. This can vary so much so that I have seen on occasion:

Aggregator website question Date test passed
Statement of Fact disclosure Date practical car driving test passed

See the difference?

My advice is just to play it with a straight bat and make clean disclosures because it's not worth the hassle. However, there's going to be a lot of 'stick it to 'em' 'insurers are all robbing c£^ts' answers that will come back on this - some more thought out than others - who will tell you to just try the cheat way. I'm sure those people will be fully qualified and readily available to represent you in court should the worst happen, of course, and in fact some of them may even offer to pay your legal costs, damages and fine.

[_mjs_]

[dolly3900]

As you are getting insurance quotes for a car, the question is relevant to the vehicle you are insuring.

If you were to put in a quote for a double decker bus, you would not put in the date you passed your bike test as the licence does not cover you to drive that class of vehicle.

Only in pedantry would your scenario stand up, in a court of law when you are trying to get off a charge of no insurance due to mis-disclosure of facts? i think not

Mike
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2002 Rieju RS2-50 (Sold, spares or repair), 2010 Suzuki DR-125SM (Traded for ->), 2007 Honda CBF 600 (Sold), 2010 Suzuki V-Strom 1000 (Briefly, now returned), 2007 Suzuki Intruder 1800m (Even More Briefly, traded in for ->), 2014 Suzuki V-Strom 650

[JP7]

As above, if you're going for car insurance then the question will be about your car licence. But some companies ask about whether you use other vehicles or hold other licences, or have earned no claims bonus on another vehicle, so this may be a chance to declare you've been on the road longer and reduce your premium.

Sometimes it's worth a phone call to the insurer who is quoting just to clarify. As an example, I once rang my insurer about my home insurance, in relation to whether my house is occupied during the day. I work shifts, sometimes days, sometimes nights. When I raised it with them, they put "occupied day and night" and my premium went down.

[arry]

[0l0dom0l0]

Actually this was bought up a while ago and it turned out that the companies were asking when it says 'when did you get your license' they actually meant when did your license turn pink.

The best thing to do is ring and ask, they will know and that way you won't get stung with any horrible charges later etc.

Just ring them and ask.

EDIT: Thread is here:

https://www.bikechatforums.com/viewtopic.php?t=229939&highlight=insurance

and here:

https://www.bikechatforums.com/viewtopic.php?t=226402
____________________
CBT Passed: 30/08/2009, Theory Passed: 31/08/2010, Mod 1 Passed: 6/9/2010, Mod 2 Passed: 13/09/2010. Restriction ended 13/09/2012.

Bikes: 2007 Derbi GPR 50, 1998 Yamaha Fazer 600 (written off), 2002 Yamaha Fazer 600, 1994 CBR 600F, 2003 Triumph Daytona 600, Kawasaki ZX6R J1.....Current: 2006 Yamaha FZ6, 1998 Suzuki TL1000R and a Honda VFR 400 NC30.

[Polarbear]

The one that really annoys me is that I can have a speeding offence removed from my licence after 3 years yet have to declare it to the insurance for 5.

If it's not on my licence then I can honestly say I haven't got an endorsement.

I know I would get ass raped if I crash but it still pisses me off that the courts regard it as finished after 3 years but the wankers in insurance put their own timeline on it.
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Victory Cross Country American tractor.

[-Matt-]

[1198]

If possible I'd ask questions by email. Although I 'know' that 'some calls may be recorded', I'd rather have a trail of their answers to come back to if need be.

[MattEMulsion]

Why does everybody seem to be complicating this - you are insuring a car and they want to know when you passed your car test. They are not asking you if you may have a full licence for another class of vehicle, you are all reading to much potential technicality into a badly worded question.

My advise - be honest, answer the question properly and it won't come back to bite you on the arse!!!
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Yamaha YZF-R6

[arry]

[andyscooter]

dont know about the licence question but my missuses insurance this year was 100 quid cheaper then last year

same insurers everything the same except she got done last year twice for speeding and got 6 points
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[weasley]

[arry]