Safe Speed Forums

One of my sisters has alerted me to this one.

Seems she was in her local and speed cam problem came into discussion.

Old guy .. mid 50's had NINE points - all by scam and all per the guy 36 mph in 30 mph - Lancs. First three come off licence this year.. reducing to 6 points in total.

Sympathising .. she finds all are Lancs pre - revised Speed Course policy.

She then finds that old guy was in compnay car as rep when pinged. Points are on Company Insurance and company receives higher premium as result of a nine point rep.

She then finds in conversation that old geezer did not tell his own personal insurer for non-company car about any of his Gatso "crimes"

Sis has e-mailed IG and his brothers and sister and father for "what to do advice"

However, she thinks this would be a worthy debate...

You see..

Guy does not tell insurers about points on licence and pays his premium as quoted .. only due to SIX to NINE points which have NOT BEEN DECLARED ..he may not have insurance if he has a mis-hap.

ANPR however, per data bank and REG PLATE recognition sees driver as "legit"!

Yep .. sure makes me feel safe and gives me a real warm feeling of security NOT !

Yeah.. another reason to demand real REAL[i[ TRIANED [/i] POLICE and not some cheap "fine the innocent for some trivialty" to delude the less intelligent and deranged!

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This is not a new problem, it's been around for years, normally it's undeclared modifications, undeclared accidents or blatantly lying about the vehicle spec.

The insurance will not pay out once they recieve his licence, however

The confusion here is that the insurance does not become 'invalid', it becomes 'voidable'.

The difference being that any claims for third party damage or injury will still be met, however, the insurance company will have the option not the meet their obligations to the policy holder. I.E. Damage, recovery costs, compensation for loss of limb, legal representation, etc.

The consequences may be more severe as the insurance has been obtained fraudlently.

As Grumps said, if this guy hit your car, they would still pay out for your damage, but if they found out about his points, they may decide not to indemnify him, and also may cancel the policy.

Usually if its only three points, the insurance company may just make people pay the additional cost the policy should be, and the same for minor mods. But you can never count on that.

Some years back Mrs Beard (much to my amusement as she is a careful and law abiding soul) collected three points. Due to an oversight I neglected to tell our insurers until one of our policies came up for renewal (some months after the "event"). They were initially quite cross but calmed down when I pointed out that as I had just told them (with the correct date of the "offence") I was hardly trying to hide anything. They did stick a bit on the insurance, but not much. (Points have long since gone and have been removed by the insurance company from Mrs Beards "record")

I've never understood how 3 or more points on the licence of a mature, experienced and safe driver alter, in any way, the underwritten risk, which is what the premium is based on.
But then, who knows?

[quote="Cooperman"]I've never understood how 3 or more points on the licence of a mature, experienced and safe driver alter, in any way, the underwritten risk, which is what the premium is based on.
But then, who knows?[/quote]

I can understand how it may have affected risk some time ago, prior to the issuing of automated fines, but now, no.

Speeding ticket s were rarely given out to people that were over the lollipop speed but otherwise driving safely, they were given to people who were borderline DWDC or even DD where they thought either evidence was a bit hard to prove or discretion was the better part of valour.

Either way it made the roads safer, shame about today’s state of affairs.

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I don't understand how 3 points can NOT reflect an increase in risk, because they are a functional exposure proxy. Higher mileage drivers should be more likely to pick up points and more likely to crash.

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Paul Smith
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