Irish Taxi Forum
Public Area => Taxi Talk => Topic started by: Belker on January 11, 2023, 02:48:17 pm
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If you get 3 penalty points mid way through your insurance year, should you inform the insurance company ?
Thankfully not my own problem but asking fer a friend, female (21), full license but still on the N plates.
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Probably best to tell them. They all have access to the penalty points database so they will find out at renewal. But if she has an accident in the meantime, they could maybe refuse to pay out because she lied to them about the penalty points. I don't know if that happens in reality but it's a possibility I guess.
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The worst drivers on the road are N drivers.Full of confidence with no experience to back it up .
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You lose your license at 7 points as an N driver.It is definitely material to the risk profile if you've halfway to a ban.
If her insurance gets raised at renewal,then so be it .
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Probably best to tell them. They all have access to the penalty points database so they will find out at renewal. But if she has an accident in the meantime, they could maybe refuse to pay out because she lied to them about the penalty points. I don't know if that happens in reality but it's a possibility I guess.
That is the quandrum Watty, do you keep stum till next renewal, or tell them and have your current insurance loaded ?
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You lose your license at 7 points as an N driver.It is definitely material to the risk profile if you've halfway to a ban.
If her insurance gets raised at renewal,then so be it .
So are you saying Tell or Don't Tell Van D ?
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That is the quandrum Watty, do you keep stum till next renewal, or tell them and have your current insurance loaded ?
It's a bit radical but she could always try not speeding and not crashing until the renewal :o
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I'd tell them Ken. If someone rams into her, even if it's not her fault, the other parties insurance will sure as shite check her policy to make sure everything's in order. Halfway to a ban without declaring it could throw a spanner in the works.
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You lose your license at 7 points as an N driver.It is definitely material to the risk profile if you've halfway to a ban.
If her insurance gets raised at renewal,then so be it .
So are you saying Tell or Don't Tell Van D ?
100 % tell them.It might be a valuable lesson in responsible driving.
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50% - 50%
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If she has to ask she doesn't know so should say nothing*. Worst case scenario would be a slight reduction in any claim payout but even that's highly unlikely for 3 points.
In fact, I got my renewal notice from Taxifair before Christmas. Under the paragraph "If any of the following responses are incorrect, there is ever any change in this information during the course of your policy, or you are in any doubt, you must tell us" the only relevant question is "Have you or any person who may drive more than 6 penalty points", the given answer being "No" as I don't collect penalty points.
So, in my case it's there in black and white that I'd have to accumulate more than 6 points before informing them. I think you'd have to be extremely reckless to achieve that, particularly bearing in mind that you can very significantly drag out the actual awarding of the points by waiting until you get the court summons at which point you are presented with the final option to avoid the court case and the risk of a higher points award by paying the (increased) fixed penalty.
As an aside, I filled in the form on the new BJPs www site on Monday and got no reply as of this afternoon so gave them a ring. He asked a few questions and quickly advised that the price I got from FBD via Taxifair (€1,451.59 with full NCD protection and all the bells and whistles) was as good as it gets. I wonder if they're intentionally winding down their PSV business?
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*I know you might say ignorance is no defence but what about the evidence in the Hutch case which the judge concluded could be admitted despite being accrued illegally simply because the Gardai (I kid you not, this is 100% true) yes the Gardai didn't know they were acting illegally. As far as I recall the judge did tell the Gardai they now know so (presumably) similar evidence gathered after said ruling will not be admissible.
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If she has to ask she doesn't know so should say nothing*. Worst case scenario would be a slight reduction in any claim payout but even that's highly unlikely for 3 points.
In fact, I got my renewal notice from Taxifair before Christmas. Under the paragraph "If any of the following responses are incorrect, there is ever any change in this information during the course of your policy, or you are in any doubt, you must tell us" the only relevant question is "Have you or any person who may drive more than 6 penalty points", the given answer being "No" as I don't collect penalty points.
So, in my case it's there in black and white that I'd have to accumulate more than 6 points before informing them. I think you'd have to be extremely reckless to achieve that, particularly bearing in mind that you can very significantly drag out the actual awarding of the points by waiting until you get the court summons at which point you are presented with the final option to avoid the court case and the risk of a higher points award by paying the (increased) fixed penalty.
As an aside, I filled in the form on the new BJPs www site on Monday and got no reply as of this afternoon so gave them a ring. He asked a few questions and quickly advised that the price I got from FBD via Taxifair (€1,451.59 with full NCD protection and all the bells and whistles) was as good as it gets. I wonder if they're intentionally winding down their PSV business?
Thanks Stephen, I have forwarded your response.
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I'd tell them Ken. If someone rams into her, even if it's not her fault, the other parties insurance will sure as shite check her policy to make sure everything's in order. Halfway to a ban without declaring it could throw a spanner in the works.
Thanks Horse, I have forwarded your response.