njbennett122 Posted March 27, 2008 Report Share Posted March 27, 2008 My own fault entirely - I in error did not declare the SP30 on my license as being within the 5 year period (mistook the date being 4 years not 5 at the time of insuring) I now need to make a claim but know this will be spotted and potentially invalidate the policy. Should I call them and declare even though the claim is in progress, or deal with it when the time comes? As mentioned, completely my fault, bu wasn’t sure if there was anything I could do to reverse this before the claim is refused? Any assistance appreciated. Link to comment Share on other sites More sharing options...
Cuprabob Posted March 27, 2008 Report Share Posted March 27, 2008 If it was me, i wouldn't say anything and if they do pick it up then come clean and say you made a mistake and thought it only counted for 4 years as this is the length of time after which it comes off your license. Unfortunately your between a rock and a hard place Link to comment Share on other sites More sharing options...
njbennett122 Posted March 27, 2008 Author Report Share Posted March 27, 2008 My thoughts were similar - Many thanks for the advise. Link to comment Share on other sites More sharing options...
techieboy Posted March 27, 2008 Report Share Posted March 27, 2008 Don't speak to them though. Lie detectors are hooked up to the phones in claims departments these days. Link to comment Share on other sites More sharing options...
Cuprabob Posted March 27, 2008 Report Share Posted March 27, 2008 [ QUOTE ] Don't speak to them though. Lie detectors are hooked up to the phones in claims departments these days. [/ QUOTE ] I think that's a myth spread by insurance companies to scare you Link to comment Share on other sites More sharing options...
Calm Chris Posted March 27, 2008 Report Share Posted March 27, 2008 95% of insurers don't penalise you for the 1st endorsement- more so if it's a bog standard SP10/20/30 offence. If found to be lying they will revoke the claim. Some authorised repairers as part of the insurance process will ask for you DL green slip and copy over the details which will end up back with the insurers. With DVLA happy to supply details to all and sundry regarding anyone's licence state I think you will be found out and as such are better being proactive rather than reactive. Link to comment Share on other sites More sharing options...
njbennett122 Posted March 27, 2008 Author Report Share Posted March 27, 2008 So you think I should call them and admit to the endorsement even though they are aware a claim is currently in progress? I have only noticed this error because they wish to have a copy of my paper licence and in doing so, I have now spotted it's 4 years and not 5. Link to comment Share on other sites More sharing options...
paulrstaylor Posted March 27, 2008 Report Share Posted March 27, 2008 If it is over four years then 'loose' your paper copy, apply for a new one from the DVLA, it will come back with the endorsment removed. Send that to your insurance company..... Link to comment Share on other sites More sharing options...
techieboy Posted March 27, 2008 Report Share Posted March 27, 2008 [ QUOTE ] [ QUOTE ] Don't speak to them though. Lie detectors are hooked up to the phones in claims departments these days. [/ QUOTE ] I think that's a myth spread by insurance companies to scare you [/ QUOTE ] Hmmm, not so sure. I've had to visit a few call centres over the last 12 months whilst assessing hardware for our call centre. The voice stress analyzers are increasingly common within claims centres. They can't legally base any decision on the "stress reading" from your voice but are more inclined to investigate a claim that is flagged. Link to comment Share on other sites More sharing options...
Cuprabob Posted March 27, 2008 Report Share Posted March 27, 2008 OK, I stand corrected. To be honest anytime I call up an insurance company I'm stressed due to the normal call centre stuff like "your call is important to us", "your in a queue, and will be answered shortly", annoying music and then when you finally get through to someone in India they don't have a clue or say "you'll need to speak to another dept,which is now closed although you can call tehm up tomorrow between 9am and 9.05am when they are open" I would be setting there stress analyzer off every time Link to comment Share on other sites More sharing options...
Calm Chris Posted March 27, 2008 Report Share Posted March 27, 2008 [ QUOTE ] If it is over four years then 'loose' your paper copy, apply for a new one from the DVLA, it will come back with the endorsment removed. Send that to your insurance company..... [/ QUOTE ] Top idea Have a Link to comment Share on other sites More sharing options...
962C Posted March 27, 2008 Report Share Posted March 27, 2008 Keep quiet. I still cannot work out why insurers ask for convictions over the last 5 years when they only stay on your licence for 4. Link to comment Share on other sites More sharing options...
njbennett122 Posted March 27, 2008 Author Report Share Posted March 27, 2008 Keep quiet and not send them the paper section and state that its lost? Link to comment Share on other sites More sharing options...
962C Posted March 27, 2008 Report Share Posted March 27, 2008 No, as mentioned above, get a clean new copy from the DVLA with endorsements removed and send that in. Keep quiet as in don't call them and confess. They will shop you for lying when you took the policy out. Link to comment Share on other sites More sharing options...
bazza_g Posted March 27, 2008 Report Share Posted March 27, 2008 [ QUOTE ] Keep quiet. I still cannot work out why insurers ask for convictions over the last 5 years when they only stay on your licence for 4. [/ QUOTE ] any excuse to screw you for an extra few quid... Link to comment Share on other sites More sharing options...
962C Posted March 27, 2008 Report Share Posted March 27, 2008 Cynical answer, but highly likely to be the reason! Link to comment Share on other sites More sharing options...
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