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insurance and expired penalty points..

  • 11-07-2009 7:32pm
    #1
    mondeo
    Registered Users, Registered Users 2 Posts: 3,676 ✭✭✭


    Can someone clarify this for me please....
    If someone has 2 points on their license and then after 3 years the points are taken off, do insurance companies still put down on their system that you had been convicted of a motoring offence even though your 2 points have now gone? I am having some conflicts with a new insurance company. They are saying that even though my points are now gone I still will pay more for my insurance because of the history of my driving... Is this right to still penalise me for points that are no longer on my license? I may aswell still have the fecking points on my license...If this is the case points leave a permanent scar.

    Do you have to tell insurance companies that you use to have points?


    Thanks


Comments

  • #2
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    Were you actually convicted, or did you just get the two points with a ticket?


  • #3
    mondeo
    Registered Users, Registered Users 2 Posts: 3,676 ✭✭✭mondeo


    Anan1 wrote: »
    Were you actually convicted, or did you just get the two points with a ticket?

    I got a ticket in the post and paid it and thought no more of it...I was not in court or anything. Last week I got a letter telling me my points were now taken off my license as the 3 years had passed.


  • #4
    L1011
    Registered Users, Registered Users 2 Posts: 69,592 ✭✭✭✭L1011


    A fixed penalty notice isn't a conviction. If its expired you do not need to tell your insurance company.


  • #5
    mondeo
    Registered Users, Registered Users 2 Posts: 3,676 ✭✭✭mondeo


    MYOB wrote: »
    A fixed penalty notice isn't a conviction. If its expired you do not need to tell your insurance company.

    Thanks


  • #6
    Our man in Havana
    Closed Accounts Posts: 29,473 ✭✭✭✭Our man in Havana


    Some of the insurance companies want to know of points in the last five years.


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  • #7
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,760 Mod ✭✭✭✭Henry Ford III


    Bond-007 wrote: »
    Some of the insurance companies want to know of points in the last five years.

    In that case you must tell them.


  • #8
    Our man in Havana
    Closed Accounts Posts: 29,473 ✭✭✭✭Our man in Havana


    Which is a form of double punishment.


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