Drivers keeping penalty points ‘secret’ from their insurer
23% of motorists did not inform their insurer the last time they received penalty points on their licence, new research conducted by RAC Insurance has found.
RAC Insurance says ‘as many as 2.8m drivers’ have points on their licences, which means around 650,000 drivers may be putting themselves at risk of their insurance policy being declared invalid, should their insurer discover the information they have on record is not true.
However, the RAC says the problem could ‘be far greater’ as 18% of those surveyed said they would not inform their insurer if they were to receive penalty points, which could equate to nearly 7m drivers.
10% of those surveyed also claimed to know of someone who had incurred penalty points themselves and then got their partner to take them instead.
52% of those questioned claim not to have had any points on their licence for more than 21 years - of those that did, 90% said they had acquired points as a result of speeding.
Mark Godfrey, RAC Insurance director, said: “It is the duty of every driver to inform their insurer of any circumstance that might affect the contract they have with them, both during the insurance term and at renewal. This includes making sure every piece of information they provide when completing an insurance application is correct.
“Not declaring penalty points is a serious matter as it puts drivers at risk of holding invalid insurance as well as potentially incurring substantial penalties from the police, or even a prosecution.
“If someone who had not told their insurer about receiving penalty points were to be involved in an accident they may be given additional penalty points, an unlimited fine and/or be disqualified from driving. The police could even seize and potentially destroy the uninsured vehicle.”
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