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Insurance Co looking for expired penalty points

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  • 03-09-2019 4:56pm
    #1
    antodeco
    Registered Users, Subscribers Posts: 13,516 ✭✭✭✭


    Hi all,
    Strange one today. My friend recently took out a new insurance policy (Aug 2019), and received an email today, asking why penalty points, received in May 2015, were not disclosed to them. They werent disclosed as the penalty points had expired. They are requiring a signed letter giving reasons for this.

    Has anyone ever experienced this before?


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    #2
    antix80
    Registered Users Posts: 2,419 ✭✭✭antix80


    Two questions:
    1. Did they fail to disclose penalty points to a previous insurer?
    2. Did the new insurer have a question like "Did you receive any penalty points or motor convictions in the last X years?" (that would exclude expired points.. liberty for example require you to disclose points within the past 3 years)


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    #3
    antodeco
    Registered Users, Subscribers Posts: 13,516 ✭✭✭✭antodeco


    Absolutely no idea. Will go back and ask these questions. I reckon point 1 may be the issue they have!


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    #4
    coylemj
    Registered Users Posts: 25,455 ✭✭✭✭coylemj


    antodeco wrote: »
    My friend recently took out a new insurance policy (Aug 2019), and received an email today, asking why penalty points, received in May 2015, were not disclosed to them. They werent disclosed as the penalty points had expired.

    How did they find out about them, if they had expired?


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    #5
    ILikeBoats
    Registered Users Posts: 2,564 ✭✭✭ILikeBoats


    25plus ask if any points in last 5 years. It makes no difference to the premium if they have expired


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    #6
    Salary Negotiator
    Closed Accounts Posts: 1,148 ✭✭✭Salary Negotiator


    I was asked by liberty to provide proof that my points had expired when renewing.

    There were a few other issues with the quote and by the time they were fixed they no longer wanted the proof, but it was requested.


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    #7
    antodeco
    Registered Users, Subscribers Posts: 13,516 ✭✭✭✭antodeco


    ILikeBoats wrote: »
    25plus ask if any points in last 5 years. It makes no difference to the premium if they have expired

    Thats who it is!


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    #8
    antodeco
    Registered Users, Subscribers Posts: 13,516 ✭✭✭✭antodeco


    coylemj wrote: »
    How did they find out about them, if they had expired?

    Honestly no idea. It wasnt on any previous documentation.


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    #9
    Del2005
    Registered Users Posts: 18,992 ✭✭✭✭Del2005


    coylemj wrote: »
    How did they find out about them, if they had expired?

    The insurance companies have access to the drivers licence register, too many people were not declaring their points so they fixed the problem.


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    #10
    seamus
    Registered Users Posts: 68,317 ✭✭✭✭seamus


    This came up here before. Basically under GDPR the company are not entitled to ask for this information or to use it against you. Expired points do not exist. Make a complaint to the data protection commissioner.

    The last time this came up the company got a ticking off from the DPC for holding data after its useful period. Don't know if was 25plus.


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    #11
    joeysoap
    Registered Users Posts: 6,245 ✭✭✭joeysoap


    Surely if they’re expired they shouldn’t be on you licence? If they’re expired, they’re expired....

    I’m not laying any blame here on the insurance companies, rather the drivers register.


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    #12
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,720 Mod ✭✭✭✭Henry Ford III


    seamus wrote: »
    This came up here before. Basically under GDPR the company are not entitled to ask for this information or to use it against you. Expired points do not exist. Make a complaint to the data protection commissioner.

    The last time this came up the company got a ticking off from the DPC for holding data after its useful period. Don't know if was 25plus.

    Are you sure?

    I thought it was standard for motor insurers to enquire about accidents claims and convictions within the last 5 years?


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    #13
    Aint Eazy Being Cheezy
    Registered Users Posts: 4,631 ✭✭✭Aint Eazy Being Cheezy


    Henry Ford III wrote: »
    Are you sure?

    I thought it was standard for motor insurers to enquire about accidents claims and convictions within the last 5 years?

    Penalty points aren’t regarded as a motoring conviction.


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