3points on my licence

[harbourco]

I am asked on insurance after a bump in the car if I have a driving conviction. I have 3points on my licence from sept 2003. is this known as a conviction?

[Annlinda]

This is a conviction. You must declare it on the insurance proposal form if the company want to know if you have had a conviction within say the last 5 years. If it is not declared on the form insurance obtained may be invalid

[Loosehead]

Yes 3 points is knowneas a conviction, do they know of these points already, ie did you declare them?

They are trying to find a way of not paying out, essentially if you did not declare the points at time of taking out the insurance or indeed when they happenned if you already had the insurance then they will use it as an excuse to not pay. Your insurance is still valid and they will probably pay a third party but they will do all they can to welsh on paying you and this is just one of the ways. They will also want to check your tax/mot etc.

[kempie]

Loosehead - you use terms such as "an excuse not to pay" and "welsh on paying you" to describe the actions of the insurance provider as if they are in the wrong, whereas any non-declaration of material facts by the policyholder is where the breach of contract (i.e. wrongdoing) actually exists.

All insurance contracts are based upon uberrimae fidei 'utmost good faith' - they rely upon your truthful declaration of material information and underwriters base their offerings (terms/premiums) upon the information declared.

[harbourco]

Thank you. I ahve not deliberately misled anyone.
When I changed insurance companies last year no body asked me and I didnt think to mention -stupid i know now. They even got the registration wrong on the renewal lthis year puting an s not an f. This was picked up by the police. The insurance company admitted responsiility for the error although I should have checked all small print-but you dont do you-you just get on with life -filing paperwork as it comes in.