Without discussing the morals of disclosing penalty points to your insurer can anyone tell me the following:
I need to renew my car insurance at the end of this month. I have 4 penalty points which expire at the end of October. In previous years I have always disclosed my points and they add a loading of about €140 to my policy. This time I think I might just say I have none. If I was involved in an accident after October when the points have expired, is there any possibility of the insurer finding out that I was not truthful in my original details and the policy becoming null and void?
Dereko1969; Aviva have dropped my 10% discount for 2 penalty points. No other convictions or points in the last 25 years.
Same here. I am really annoyed about the penalty points actually. The punishment so does not fit the crime and not only does it cost you 80 quid but then it costs extra on your insurance policy - for 3 years!!
If its 2 points it doesnt cost you anymore on your insurance - unless you are with Aviva. they are the only ones that allow a discount. 20%. So when you get two the reduction is reduced to 10% and 4 it goes completely.
If you crashed your car you would expect your no claim bonus to be affect so if you have points then the same would be the case with any discount.
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