Sammi
Member
Hi there, my cousin passed his driving test in 2004, and in 2005 he was disqualified from driving, and then again last year, after his disqualification period ended he got his licence back, he got his car insurance and when asked the question how long has he held his licence he said, he passed his driving in 2004, so the insurance person put down 6 to 7 years. However recently, someone driving in the wrong side of the road crashed into him (head on) and he broke his ribs, nose, leg, thumb and he had orbital fracture, metal plate put into his skull basically he was in a terrible state. His insurance company are now trying to pull a fast one on him, saying that he might not have been insured for not giving correct information about how long he has held his licence. Since the insurance company are saying that since he was disqualified he has held the licence for 0 years. Which in my opinion is utter nonsense. That is like saying someone has been driving for 20 years, then they get a disqualification for speeding, and when they go to get insurance after the disqualification period their licence is valid from the date the disqualification period ended so that means 0 years, so the 20 years experience magically disappears?
"Valid from" is not the same as "how long have you held your licence" - since even if he was disqualified he would have at least still held a licence for at least 4, even 7 years if you throw in a provisional licence. I just believe this company is trying to swindle him out of some money, basically they are taking him for an idiot or something, and threatening him with legal terminology.
"Valid from" is not the same as "how long have you held your licence" - since even if he was disqualified he would have at least still held a licence for at least 4, even 7 years if you throw in a provisional licence. I just believe this company is trying to swindle him out of some money, basically they are taking him for an idiot or something, and threatening him with legal terminology.