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Best course of action now?

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  • 16-04-2017 3:57pm
    #1
    Jasper_
    Registered Users Posts: 109 ✭✭


    Before I proceed I know I've been stupid so not looking for people telling me so, as I now know full well. I only have my full licence 1.5 years so I am not well versed in all of this.

    Got 3 penalty points mid last year for going 60 in a 50 zone. Did not declare to insurer at the time. Renewed insurance recently with same insurer and did not disclose the points.

    Yesterday I got another fixed penalty for breaking a red light at what I thought was an unclearly marked junction.

    Now as it will soon be 6 points on my licence I want to tell my insurer.

    How are they likely to react? Increase my premium greatly/cancel my policy?


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    #2
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Jasper_ wrote: »
    Before I proceed I know I've been stupid so not looking for people telling me so, as I now know full well. I only have my full licence 1.5 years so I am not well versed in all of this.

    Got 3 penalty points mid last year for going 60 in a 50 zone. Did not declare to insurer at the time. Renewed insurance recently with same insurer and did not disclose the points.

    Yesterday I got another fixed penalty for breaking a red light at what I thought was an unclearly marked junction.

    Now as it will soon be 6 points on my licence I want to tell my insurer.

    How are they likely to react? Increase my premium greatly/cancel my policy?

    Just ring them and tell them.

    They won't cancel your policy.

    They may add the PP's and charge you whatever rate they apply for 6.

    Its possible they won't do anything until next renewal.

    Better to disclose them though.


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    #3
    judeboy101
    Banned (with Prison Access) Posts: 3,246 ✭✭✭judeboy101


    Jasper_ wrote: »
    Before I proceed I know I've been stupid so not looking for people telling me so, as I now know full well. I only have my full licence 1.5 years so I am not well versed in all of this.

    Got 3 penalty points mid last year for going 60 in a 50 zone. Did not declare to insurer at the time. Renewed insurance recently with same insurer and did not disclose the points.

    Yesterday I got another fixed penalty for breaking a red light at what I thought was an unclearly marked junction.

    Now as it will soon be 6 points on my licence I want to tell my insurer.

    How are they likely to react? Increase my premium greatly/cancel my policy?


    i have to ask, if its unclearly marked junction how the hell did you break a red light, is the traffic light hidden?


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    #4
    Reati
    Registered Users Posts: 1,923 ✭✭✭Reati


    judeboy101 wrote: »
    i have to ask, if its unclearly marked junction how the hell did you break a red light, is the traffic light hidden?

    No but the garda car was lol


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    #5
    Jasper_
    Registered Users Posts: 109 ✭✭Jasper_


    judeboy101 wrote: »
    i have to ask, if its unclearly marked junction how the hell did you break a red light, is the traffic light hidden?

    It seemed unclear at the time I made the decision is all I'm saying. I don't dispute I was in the wrong. Just saying that it was misjudgment on my part as apposed to knowingly doing it.

    Me explaining the layout of said junction will help absolutely nothing right now.


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    #6
    Jasper_
    Registered Users Posts: 109 ✭✭Jasper_


    Reati wrote: »
    No but the garda car was lol

    Unmarked of course.


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    #7
    Skatedude
    Registered Users Posts: 2,674 ✭✭✭Skatedude


    So you now have 6 points? So 1 more point and disqualification because you are still a novice driver?


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    #8
    Jasper_
    Registered Users Posts: 109 ✭✭Jasper_


    Skatedude wrote: »
    So you now have 6 points? So 1 more point and disqualification because you are still a novice driver?

    I am painfully aware of this fact.


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    #9
    beechwood55
    Registered Users Posts: 532 ✭✭✭beechwood55


    Jasper_ wrote: »
    Got 3 penalty points mid last year for going 60 in a 50 zone. Did not declare to insurer at the time. Renewed insurance recently with same insurer and did not disclose the points.

    So when you were asked if you had any penalty points did you say no??


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    #10
    Jasper_
    Registered Users Posts: 109 ✭✭Jasper_


    beechwood55 wrote: »
    So when you were asked if you had any penalty points did you say no??

    Yes.


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    #11
    beechwood55
    Registered Users Posts: 532 ✭✭✭beechwood55


    You didn't disclose a material fact. They may decide that your policy is void. I think maybe until you get it sorted it may be wiser not to drive. I think you need to call them tomorrow and speak to them. Be totally honest.


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    #12
    AudreyHepburn
    Registered Users Posts: 5,673 ✭✭✭AudreyHepburn


    Just ring them and tell them OP....they may decide to load you or more likely void your policy altogether for Non-Disclosure which they'd be well within their rights to do.

    You'll also have to tell future insurers about the points and the fact that you didn't disclose them so you'll continue to be loaded and may have difficulty getting cover at all to begin with.

    You made the conscious decision to lie/withhold information so you're just going to have to take the outcome on the chin and learn from it.


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