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Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 70512
Experience:  Over 5 years in practice
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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: 1 year ago.
Category: Law
Expert:  Jo C. replied 1 year ago.

Are you asking if they will dishonour it?

Customer: replied 1 year 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 1 year 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 1 year ago.

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

Expert:  Jo C. replied 1 year 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 1 year ago.

They are not always unreasonable.

Customer: replied 1 year ago.
Is there anything I can/should do to influence the outcome?
Expert:  Jo C. replied 1 year 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 1 year 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 1 year ago.
Thanks, ***** ***** last question where we crossed!
Expert:  Jo C. replied 1 year ago.

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

Customer: replied 1 year ago.
Is there any risk of conviction or court action or anything like that?
Expert:  Jo C. replied 1 year 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 1 year ago.
Thank you very much - that's helpful! And I've learned my lesson!
Expert:  Jo C. replied 1 year 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 1 year ago.
Thanks, ***** ***** that now.