How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Jo C. Your Own Question
Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 70209
Experience:  Over 5 years in practice
12826847
Type Your Law Question Here...
Jo C. is online now

My insurance company has discovered that I didn't declare

Resolved Question:

My insurance company has discovered that I didn't declare the points on my licence. Can you tell me the likely consequences?
I'm in the middle of a claim - but it was the third party's fault, not mine.
Submitted: 10 months ago.
Category: Law
Expert:  Jo C. replied 10 months ago.

Are you asking if they will dishonour it?

Customer: replied 10 months ago.
I'm not sure what the consequences of not declaring points are -
I'm asking what they are, generally
And, will they void my insurance
And, if they do, what does that mean in this instance, if I'm claiming on someone else's insurance for damage to my vehicle?
Customer: replied 10 months ago.
Incidentally, the third party is contesting it and saying it wasn't their fault. Although I think it's very unlikely, I suppose they could find against me and say the accident was my fault, in which case I'm assuming I'll be liable foe all their costs and without any insurance cover?
Expert:  Jo C. replied 10 months ago.

Well, they are perfectly entitled to cancel the insurance and dishonour any claim.

Expert:  Jo C. replied 10 months ago.

So, in short, they could void your insurance.

They will not always do that. It depends on a number of factors. If you have a good record of insurance and have been a loyal customer then probably they would just ask you to pay the difference between the amount you paid and the sum that the insurance would have cost.

Expert:  Jo C. replied 10 months ago.

They are not always unreasonable.

Customer: replied 10 months ago.
Is there anything I can/should do to influence the outcome?
Expert:  Jo C. replied 10 months ago.

But your position in relation to the third party doesn't change even if your insurance is voided. It doesn't make you any more or less liable.

Can I clarify anything for you?

Jo

Expert:  Jo C. replied 10 months ago.

Not at this stage. I would have suggested you disclose and apologise but they have found it anyway.

It is just a case of waiting now.

Customer: replied 10 months ago.
Thanks, ***** ***** last question where we crossed!
Expert:  Jo C. replied 10 months ago.

Yes, I think the answer is the second above. Cross posts!

Customer: replied 10 months ago.
Is there any risk of conviction or court action or anything like that?
Expert:  Jo C. replied 10 months ago.

No, you haven't committed a criminal offence.

You weren't driving without insurance.

They are just potentially able to void the claim but no more than that.

Customer: replied 10 months ago.
Thank you very much - that's helpful! And I've learned my lesson!
Expert:  Jo C. replied 10 months ago.

No problem.

All the best.

Please remember to rate my answer.

Jo C. and other Law Specialists are ready to help you
Customer: replied 10 months ago.
Thanks, ***** ***** that now.