Insurance claim, points not added to insurance

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Wed 16 Jan 2013 18:15
Insurance claim, points not added to insurance - wully
I've had to make a claim on my insurance, but forgot to add 3 points to my cover at time of renewal. From the moment I called about the accident I told them about the points, the person in the phone never seemed bothered and processed the claim. The car was a total loss so had to contact dvla who again informed the company of the points, obviously. Again I said I told the guy at time of incident who didn't make a deal of it. He said he'd pass that info on to the underwriters. I asked what would happen, he seemed to think they'd just charge me the increased price for the points. But I'm weary of that, tbh. Anyway, now the car isn't a total loss after all (got a new quote) and the insurance company have said they'll repair it at the new quoted price. They contacted the garage and told them to go ahead with the repair.
My question, can they refuse to then pay for the repairs once its finished because of the undeclared points or is them accepting to fix the car them saying they'll foot the bill? Because I'd rather not then have a massive repair bill, I'd be as well scrapping it if that's the case.
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Wed 16 Jan 2013 19:15
Insurance claim, points not added to insurance - Armitage Shanks {p}

Best to ask your insurer IMO. The forum can give opinion - your insurer can actually answer your question

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Thu 17 Jan 2013 10:15
Insurance claim, points not added to insurance - Rachaelink

You only need to declare any new points at renewal, so did you miss a renewal or did you actually just tell them ahead of time?

What were the points for? Do you have any other points, and what is your previous claims history like? The only way three points would be a factor would be if it made your 'demerit' score high. I.e. you had previous points/disqualifications and a poor claims history.

If its just three points for a bog standard sp30 I very much doubt they would take any action other than to note it on your policy.

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Fri 18 Jan 2013 13:33
Insurance claim, points not added to insurance - wully
Missed renewal totally forgot as was away at the time
3points for going through a red.
3 other points that were declared though are now past, over 5 years ago
No disquals, no previous claims. First ever claim.
They've said they'd note it though also said they were looking into it so I'm clueless. All I know is my car is getting fixed but I'm scared at the end of it all ill have my bill, the third parties bill(inc courtasy car) and all the rest associated with it all.
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Fri 18 Jan 2013 19:22
Insurance claim, points not added to insurance - Rachaelink

I would not worry, though I cannot say 100 % I would be very surprised if your insurer decided not to indemnify you in this instance.

The very worst that would happen would be the added the points with effect from renewal, and charge you the difference, if any, in premium. The underwriting rules i work to would not charge extra for a three point offence, as your previous points would no longer be noted, then there would be no change.

The only way an insurer would consider voidance or cancellation for non disclosure, or misrepresentation would be where the material facts that were withheld would have seriously affected

1. The insurance premium

2. Their willingness to accept the risk in the first instance.

Clearly 3 points for a traffic signal offence, with no other points or claims, would not affect their willingness to insure you, and therefore should not trouble the undewriters.

People often forget to advise their insurers for points, and whilst not great, as long as they are not intentionally misleading their insurer for say financial gain, then it makes little difference.

Furthermore they would not have agreed to indemnify you, deal with your claim, and that of the third party if they were going to remove cover. If they voided your policy, they would become article 75 insurer. They would need to either go via you for a consent and indemnity form, or the third party for an assignment and agreement form, they would not pay out any subrogated claim, and would reserve the right to seek recovery from you... this is a difficult and often pointless process for the insurer as you would need to prove the financial viability of the person you are recovering from.

Long story short, insurers are not in the habit of paying out claims that they could feasibly avoid, as the likliehood of recovery is slim.

I hope this helps

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