N3 Insurance

[Dominic]

Tut,

I'm with Equity too.

Be very careful with the DOV (Driving Other Vehicles) cover. This generally excludes other cars in one's household.

I have come across this in the past too. The insurance companies seem to add plenty of clauses / conditions to their cover.

One that I have never quite figured out is business cover - it is not included unless you ask for it, but from experience, does not cost anything extra.

[Mikie711]

Same with traveling to work. If you don't ask then commuting isn't automatically included either.

[mwmackenzie]

Currently awaiting my quote after talking to them yesterday, fingers crossed it's not too scary, they're really tightening things up on insurances, never been asked before for the exact date I passed my test and for any points in the past 10 years, I said there are none on my licence but i've had an sp30 in the past God knows when as it's been off my licence for years How am I meant to know that

[Dominic]

Rich and Jake at http://www.1answer.co.uk, use me as a referral in case it helps.

tut

It will probably be more help pretending you've never heard of Tut.

That's what I was thinking

Currently awaiting my quote after talking to them yesterday, fingers crossed it's not too scary, they're really tightening things up on insurances, never been asked before for the exact date I passed my test and for any points in the past 10 years, I said there are none on my licence but i've had an sp30 in the past God knows when as it's been off my licence for years How am I meant to know that

I assume you remembered the advice from J2Lot above

[tut]

Tell them it is none of their fcuking business, five years is bad enough especially when they stop for totting up after three years.

tut

[graeme]

Insurers are supposed to get this from DVLA now. That's why it was all computerized and there's no paper counterpart any more.

I don't know how that system is going to work though. DVLA won't tell insurers about anything which has expired. So insurers will still ask you to self-declare whether they have DVLA system access or not. You can say "I'm not telling you 10 years worth, because I'm not obliged to by law". The insurer replies, "Fine, we're not quoting because we're not obliged to by law". It's a no-win situation. If they want 10 years of history, they can demand it, regardless of all the DVLA systems and legal limits.

I'll bet if you over-declare, they'll charge you more. If you under-declare, they'll use the DVLA checks and refuse to pay out. Man, I hate insurance.

[tut]

" DVLA won't tell insurers about anything which has expired."

In that case only inform them of the past five years. If you still have a paper part 2 you can have your points taken off it after four years so that they do not show, so how are you expected to remember anything before that, especially when they ask for Code, amount, and date. Takes me all my time to remember what happened yesterday. By the way, what did happen yesterday?

Play them at their own game, there are plenty of Companies out there, not all of them complete and utter as*holes.

tut

[j2 lot]

Remember that insurers share databases so they will almost certainly be able to see what you have fessed up to in the past. They probably won't bother when your taking out the premium but there's every chance they will research if youre making a claim and they will simply refuse to pay out if you've hidden something from them.

[tut]

But what is in that Database and how far back does it go? Does it have my first fine in 1956?

What is the routine, roll over on your back and let them walk all over you? They are not God so why let them dictate what ever they want and trust that you will accept it. If I can get Insured at 75 after a six month ban, six points, a 345hp Honda conversion, and an £18K write off last year, then the world is your oyster for the rest of you and you have a wide choice.

Vote with your feet, and as I said before, if they are going to lay down demands like that, tell them to fcuk off and get a life. If enough say that then they will get the message.

tut

[j2 lot]

Tut, I absolutely agree and most of them are only asking for 5 years anyway so it's a moot point but if you don't like the questions or don't want to give the answers, go elsewhere but lying or withholding information may have the consequence of them not paying out and they are way more devious than to simply accept what you say and if it's 'checkable/provable they will do it to avoid paying out. As to how far they can go back - If it's on a database it's there to be found and while it might not be disclosable legally you are entering into a contract based on you answering their questions, if you don't - truthfully - they aren't obliged to honour their part of the deal and provide cover.

[robin]

To not pay out they would have to demonstrate that the information you withheld was material, I think. After all it's virtually impossible to answer every single question accurately. E.g. when Katie's bumper was stolen I soon forgot when that happened - was it 2 years, 3 years, etc. - and how much was the claim - no idea - never saw any paper work beyond the bit where I paid my excess - etc. - none of this is material - the fact that the bumper was nicked, that matters, when - that doesn't really - how much - again, if it matters that much, they should go check rather than ask me.

If they ask about 10 years worth of convictions/points then I think they could easily argue that's material and you should make your best effort to declare accurately.

Cheers,
Robin

[tut]

I would never take any chance with Insurance: MOT, Tax, licence would only affect me and I have forgotten MOT renewal more than once, but lack of Insurance could affect innocent parties.

I agree with Robin on his first paragraph but not on his second, if they are going to try and get you to rack your brains going back ten years, then walk away and tell them where they can stick it. They are not doing us a favour, it is something that we need to have, and there is a hell of a lot of competition out there.

tut

[mxvx]

Amusing insurance video
http://youtu.be/ffSkodv8pi0

[robin]

I agree with Robin on his first paragraph but not on his second, if they are going to try and get you to rack your brains going back ten years, then walk away and tell them where they can stick it. They are not doing us a favour, it is something that we need to have, and there is a hell of a lot of competition out there.

Tut, I don't think it's fair, just that it is arguably material and if they ask you need to make best effort to answer. I think you can say "I cannot remember" which would be a fair answer and they would have to decide what to do about that. What you should not do is say "no" when you mean "maybe".

Cheers,
Robin

[tut]

I know, but I am just a stroppy bugger sometimes, nice as pie to most that I speak to on the phone as apart from anything it gets results, but not so affable when I have to deal with that sort of "we can do anything we want".crap

Just fired off a very sarcastic mail to WBAC.com who had increased their very special offer for Luke's car to £5,150 that we sold for £16K, asking them did they not want the rest of the car and not just the wheels.

tut