Do You Have To Tell Insurance You Have Points?
It’s no secret that the majority of driving offences will result in you receiving penalty points on your driving license, as well as some also consisting of a hefty fine. Though you are sure to do everything you can to steer clear of being issued with penalty points. It only takes one mistake before you are faced with points that you would rather have avoided.
There are a range of driving offences that result in penalty points. Driving over the speed limit, driving with a defective tyre, careless driving and driving under the influence of alcohol. The number of points you receive will vary and they can stay on your driving license. Anywhere between 4 and 11 years, which can cause problems when it comes to finding affordable insurance. An insurance company will likely view you as a high risk driver if you have points on your licence. Therefore the cost of your insurance will be higher, but that doesn’t mean you should avoid telling them. It’s important to always tell the insurance company that you have points.
The Consequences of Not Owning Up About Penalty Points
There’s no denying that keeping quiet about penalty points is tempting, but it does more harm than good. Anyone who has points on their license will find that their insurance quote is higher than it would be should they have no points, but not owning up about penalty points is serious business.
The Road Traffic Act 1998 states that it is an offence to withhold any relevant information when applying for car insurance, and this includes mentioning points on your license. Legally, you must tell the insurance company about all penalty points and failing to do so is breaking the law.
If you are not honest with the insurer about penalty points on your licence, you run the risk of invalidating your insurance policy and are therefore uninsured. There are severe penalties that come with driving without insurance. Prosecution and further points on your license. This also means that should an accident occur the insurance company could refuse to pay out as you don’t have a valid policy and are not actually covered, making you liable to pay out personally.