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    need some advice on theft

    Hi

    I'm new on to this website and I'm not sure if I have put this into the correct category. However, I was wondering if anybody could provide me with some advice. I just got my motor bike nicked from my driveway a few hours ago. I have contacted the police and my insurance company. But about 10 months ago I got three points for speeding on the road, SP30 points. However, I did not tell my insurnace company about the points until today, I know it was a stupid mistake, but I just didnt want my premium to go up.

    I wanted to know would my insurance company not pay for the theft as I didnt declare the points previously. What would the procedure be now, do I have to wait about few weeks for the police to hopefully recover my bike

    Any advice would be appreciated
    Thank you

    16 Comments

    I'd say your insurance was void because you didn't declare. You better hope you don't get done for 10mths driving with no insurance!

    as far as the points are concerned its probably best not to say anything, the bike has been stolen so its unlikely they will ask to see your licence, as you know you should have told them when you had the points awarded, of course if you sent them a letter and didn't get a reply from them then it's not your fault is it?

    good luck

    Banned

    recovery rate was 32% in 2000.

    Mopeds/scooters had a higher rate of recovery (37%)
    compared to 26% for motorbikes. Cars are 65%

    They won't pay out once they see your points

    homeoffice.gov.uk/rds…pdf

    The Fox;7883966

    as far as the points are concerned its probably best not to say anything, … as far as the points are concerned its probably best not to say anything, the bike has been stolen so its unlikely they will ask to see your licence, as you know you should have told them when you had the points awarded, of course if you sent them a letter and didn't get a reply from them then it's not your fault is it?good luck



    Insurance companies will try their best to get out of paying, their not stupid. If they check his licence his insurance will be class as invalid

    They do not need to know this,I would definitely not mention it unless asked.

    When my car got robbed they never asked to see my licence and they paid out without issue

    Do not volunteer any information they do not ask for


    EDIT: as you have already told them just wait and see

    My friend didn't declare his points, his motorbike was involved in a crash.
    The only thing the insurance company did was make him pay the difference in premium.

    There is a million possibilities what your company will do. Wait and see.

    Banned

    tony_s1;7884329

    Why bother asking on here - the only way you'll find out for sure is to … Why bother asking on here - the only way you'll find out for sure is to ask your insurance company. This is a shopping forum and, whilst it has a fair few people prepared to post opinions on any given subject, most of the advice you'll get is pure carp. :roll:



    :lol:

    we had a similar issue, the insurance company said there would be no change to the existing policy but the points had to be declared on the following years insurance.

    boothy;7884346

    They do not need to know this,I would definitely not mention it unless … They do not need to know this,I would definitely not mention it unless asked.When my car got robbed they never asked to see my licence and they paid out without issueDo not volunteer any information they do not ask forEDIT: as you have already told them just wait and see



    Shouldn't you have deleted all of your original reply so as not to confuse the OP?

    The Saint's advice is probably correct but it does depend on the insurer. The decent companies should let you pay the additional premium but it depends whether the company concerned is one of the good ones. If it's one of the budget operations they may well claim the insurance is invalid. Then it's time to consult a solicitor.

    The insurance will still more than likely still pay out, afterall, the points didn't contribute to the theft of the bike.

    Most insurance companies these days don't care about 3 points, as so many drivers have them nowadays, with the police cash machines situated all over the roads. It would have made very little difference to your premium.

    peodude;7884761

    The insurance will still more than likely still pay out, afterall, the … The insurance will still more than likely still pay out, afterall, the points didn't contribute to the theft of the bike.Most insurance companies these days don't care about 3 points, as so many drivers have them nowadays, with the police cash machines situated all over the roads. It would have made very little difference to your premium.



    +1

    I wouldnt be overly worried about the issue, it's not the points fault the bike was nicked. Chin up and hope for the best. :thumbsup:

    Do you have the bike insured as in a garage or just on your driveway?

    John

    That's a shame about the bike, I hope you get it back.
    When I took out my car inurance I only had to let them know if I had driving convictions, they didn't ask about points, so like other people said I think they aren't too bothered about 3 points.

    sickly sweet;7884916

    That's a shame about the bike, I hope you get it back.When I took out my … That's a shame about the bike, I hope you get it back.When I took out my car inurance I only had to let them know if I had driving convictions, they didn't ask about points, so like other people said I think they aren't too bothered about 3 points.



    If this bike was involved in an accident with the op driving, if they saw points that were not declared they would probably not pay out, the always look for an excuse.

    Chidda;7884101

    Insurance companies will try their best to get out of paying, their not … Insurance companies will try their best to get out of paying, their not stupid. If they check his licence his insurance will be class as invalid



    I'm not disputing that, what I was saying is, what is done is done (or not declared) and being the bike was stolen there should be no need to check the licence.

    Original Poster

    Hey thanks for your advice everyone, I really appreciate it.

    I have declared my points when I rang the insurance company the other day.

    I just have to wait and see, fingers crossed
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