points and insurance

[pablo]

do you have to tell your insurance company if you get points midway through a policy or just at renewal?

gonna change car soon and dont know if I should tell them or not.

cheers
-pablo

 

[Cooper]

You know what they would be like, if you had an accident and you didn't inform them they would most likely worm out of your claim.

Andy

 

[iain]

(From my dad)

You have to declare them as soon as you get them. Depending on the amount and what it was for, it could increase your premium but only if you pay direct debit. However if you don't tell them and you have an accident, they will walk away from you for witholding the information.

Iain

 

[Jmax]

yea u have to declare them as soon as u get them no matter how many u get or what their for

 

[Harry]

is there much increase on your premium if you get 3-4 points on your licence?

 

[pablo]

i had 3 points before - fixed penalty speeding and it made no difference bar the fact I had to fill in a form rather than get an online quote from a couple of places.

got the same again this time so shouldnt affect anything.

 

[iain]

it would depend on the car you drive, a high specced one with you having points for speeding or dangerous driving makes it more possible, but it depends on the company. My dads company may increase the premium depending on the above but only if you pay direct debit (if you pay in a lump sum they can't charge you more) however when it comes to renewal time, it may go up.

Iain

 

[Porter]

it would depend on the car you drive, a high specced one with you having points for speeding or dangerous driving makes it more possible, but it depends on the company. My dads company may increase the premium depending on the above but only if you pay direct debit (if you pay in a lump sum they can't charge you more) however when it comes to renewal time, it may go up.

Iain

iain tell ur dad whenb hes not meeting his sales targets to do a group buy on rms here and he will soon get a load of happy customers, lol

 

[B A Baracus]

If they ask you what the points are for tell them the offence code (wrote on your licence) they usually dont know what the codes mean, it worked for me when the points first came out

 

[pablo]

E004 or something lol. english ones are like SP30 etc arent they?

 

[Lyons]

at the risk of them not paying a penny upon accident, personally i would tell them. but then you could argue chances are slim of having an accident before renewal....especially if it will put the price up a brave bit :?

 

[pablo]

renewal is 11 months away

 

[Lyons]

11mths of 30mph? i think not

 

[B A Baracus]

when i got 3 for speeding and told them the offence code they asked me what the code meant, I told them for failing to indicate and they said it wouldnt matter!! Little white lies never hurt!!

 

[Lyons]

:?:

 

[iain]

it would depend on the car you drive, a high specced one with you having points for speeding or dangerous driving makes it more possible, but it depends on the company. My dads company may increase the premium depending on the above but only if you pay direct debit (if you pay in a lump sum they can't charge you more) however when it comes to renewal time, it may go up.

Iain

iain tell ur dad whenb hes not meeting his sales targets to do a group buy on rms here and he will soon get a load of happy customers, lol

Haha, he runs the fecker, he don't have targets anymore!!

Don't know about the group buy thing, but i'l ask him!!

 

[BigJoe]

When i got my points i asked the cop did i have to declare them and he said no! I had my Corsa knicked half way through my policy and when i told them on the phone that i had recieved points and they where fine about it.