Insurance no claims & Failure to disclose fears :-(

[Toonpatriot]

Hello all.

I was stupid enough to get myself convicted for DR10 (Drink), AC10 (Failing to stop after accident - Only myself and road furniture involved) and CD10 (Due care).

I was convicted a few months prior to my insurance running out, so I decided to just let it lapse and not renew without informing them about anything to do with the incident. I have an 18 month ban (after course), which to my understanding means that I can use my no claims, as it is within 2 years since last policy (about 16 months).

My main fear is that obviously I will be declaring an accident which lets say occurred In July, declaring convictions which occurred in say August, then using proof of no claims from when that policy lapsed in about October.

I'm curious, would I then get in trouble for not telling previous insurer about convictions/accident as dates clearly show that I was insured at the time and afterwards - It was not an intention to deceive, just thought with 2 months, the admin fee would probably make the refund (if any) pointless!

Also, would the no claims be valid?

Thanks in advance, just started thinking about this stuff now as it gets towards getting license back - The dates above are random, just to show timeframes.

 

[TipsyNurse]

The simple answer is almost certainly not.

As a DD driver you are likely to be going to a specialist broker. The law changed on insurance a few years ago. Previously you had to declare anything you knew that might effect the policy (referred to as ultra views).

Now you simply have to answer the questions they ask truthfully. If they do ask about that then of course you must tell them, but if they don't, then you are under no obligation to.

The worst case scenario is that the insurance company cancel your policy and you need to declare this to future insurers. However, if you go through a broker then a complaint to the Financial Ombudsman should see the cancellation wiped. It might be prudent to record the conversation with the broker just in case.

But as you can't go back in time you will have to accept the odds being greatly in your favour.