Twice in the space of a week now i've met with demands from an insurance company who wishes to scrutinise my driving license. Has anybody else met with this bizarre setup?

 

SWMBO renewed the insurance on our Passat only to be sent letter after letter threatening to terminate insurance despite us sending through the required documentation. I've just insured my eldest on a policy for our Polo and have met with the same lunacy. I know full well that companies have access to the DVLA database to cross reference motoring convictions and status of license, so what is this new fascination with having to scan and email? 

Never had that personally but has been about 3 months since we got insurance on SWMBO's new car

Odd,

but i would be asking in writing for an explanation from them before informing them you will move to another Insurance provider,

if there is no good explanation.

Maybe some error is being thrown up,

Past fraud, or false information, at the address, post code or your surname that requires them to be checking ID's.

 

Which Insurance company is it that is acting in this way?

 

george

Brokers don't have access to those databases so from our point of view the licence proves address, convictions, test pass date, vehicle categories and of course that it's a full licence and not a provisional. Many people lie about their test pass date to get a better rate. It's also an anti-money laundering exercise.

Its common place for for all drivers covered on a policy to have this requested.

Not the end of the world is it?

Its common place for for all drivers covered on a policy to have this requested.

Not the end of the world is it?

 

 

 Just the first time in seventeen years on the road i've seen the like...

 

 I suppose i'd better photograph the oddometer and service record to prove my mileage too. 

I've had to do it every year nearly, no big problem really. 

They are hot on mileages anyway, covered by MOTs these days, all recoded nicely and available easily..

 

george

They are hot on mileages anyway, covered by MOTs these days, all recoded nicely and available easily..

 

george

 

i have to sign a mileage declaration for my policy and they do cross reference mot's

They are hot on mileages anyway, covered by MOTs these days, all recoded nicely and available easily..

 

george

 

 True, but then the state of my license and motoring convictions (plus that of the wife and daughter) are equally easily available! Guess it just seems odd in the days of online business and instant checks that one would have to go through this 

With regards to miles, how they can tell I drove the miles and not my mum/dad/local garage/mrs I'd love to know. 

Is it the 'Vehicles 3rd party minimum cover on the Public Highway' for 12 months mileage you are making a limit on when making a Proposal.?

or the Drivers restricted mileage.

 

If you get your Insurance Cover Policy on a declared annual mileage for the vehicle, its for the vehicle.

If in doubt or you think there are Grey Areas and duck and dives, then try them. You might well lose.

 

(i have Offroad Cover, and only 1000 miles a year on road cover because it is trailered & just MOT'd to be road legal for some locations.

so often the mileage between MOT's exceeds 1000 miles but from the offroad and not public highway use..

hopefully i will never be claiming,

if i thought i would need to, i would not have the 1000 miles declared to save the argument.)

 

george

Interesting point. Each time I have got quotes before it has asked "Whats YOUR estimated miles per year?" I'm pretty sure thats what Confused and the like ask too. That to me is quite clear, if they meant the car they would ask how many miles will the car do per year. I dont know if when taking a "low mileage" policy they stipulate that the car must not do over the limit, I would assume so, but for normal policies it appears not. Also, unless the MOT is done on the day of the policy being taken out, how do they prove a chunk of the miles wasnt done before the policy started. 

 

Your second point was another I was going to ask, whats to say a chunk of my miles were done on the track or elsewhere? 

 

I'm not sure where you get the idea I'd be ducking and diving anywhere? I'm well within my miles declared for the year, both personal and my small amount of business miles (1000, only put on in case I ever need to use the car for something at work). I'm purely asking out of curiosity (if anyone actually knew)

True, but then the state of my license and motoring convictions (plus that of the wife and daughter) are equally easily available! Guess it just seems odd in the days of online business and instant checks that one would have to go through this

It's also a way to prove you are the one in ownership of the licence.

There's a lot of people using others names to get insurance when they don't have a licence. Heck you can even pay people to take the driving test for you.

Some insurers have been asking for licence copies, even passport copies for a while. More likely for new customers, or if if you have a name that appears non British

Some even ask for v5 copies too.

Their verbal wording may be wrong from the human asking what 'your mileage is' or 'what coverage you would like for annual milage',

the Policy is on the Vehicle first which is the UK requirement, 'Insure the Vehicle', the next part is covering drivers,

be that named or group cover.

 

Only the Underwriters will know how the wording is written, and the legalise.

We would probably see it as written and not as meant.

At least the customer doing things over the phone, giving information, making declarations is then gets the Schedule in Writing and agrees to what is written on it, and later what is in the policy, which is why you are meant to read stuff.

 

However they question a vehicle doing many miles more than the Poposer asked to be covered for will be down to them possibly looking at more than a 12 month or even 24 month period and working on known figures.

(somethings they may ask if questioning you is, Do you have any records other than MOT readings,

showings dates and mileage, Fuel Card, Service Book, New Tyres fitted)

Unless it occurs to someone we will be unlikely to know how much they go into things.

 

george

Common request, most insurers will ask for licence copy if there is a claim so it's good practice to get this at policy inception. 

 

Thanks

 

Ollie

Sky Insurance

Fair does, had never considered that option Skyinsurance. To be fair it was on policies taken out by SWMBO and a new driver so its probably in anticipation of the crunch 

Fair does, had never considered that option Skyinsurance. To be fair it was on policies taken out by SWMBO and a new driver so its probably in anticipation of the crunch 

 

tee hee, delete delete delete!

I was in the same position this year for some strange reason, I opened a new policy with a current insurer for a different vehicle, but I told them I had no no claims discount because it actually made the premium cheaper... So they must have thrown a wobbler, they then demanded to see a copy of my driving license and all sorts of other stuff.

tee hee, delete delete delete!

 

 

 

 

I sing this to the mrs quite frequently (beware a couple of swearies) courtesy of the brilliant Adam Kay 

I've never had to provide any copies of drivers licence, mot or even ncb. I've made two claims too.

I was once asked to provide ncb but told them to contact my past insurer which they did.

Are you dealing with a broker or small insurance company?

With my previous policy with Elephant, I had to provide a copy of the licence of my sister (who was a named driver).  

 

This was because a few weeks into the policy they had cross checked my (hurriedly filled out) quote request on a comparison site against my (meticulously checked) details filled out to take out the policy. 

They found the two were different, and so reverted the policy details to those from the comparison site rather than the ones I had filled out and confirmed on their own website.  

 

They refused to put them back to what I had specified without seeing a copy of my sister's licence (comparison site form mistakenly said she had a provisional, but I had correctly filled it out as being full when I took out the policy).

Not only that but they had the cheek of trying to get payment for "amending" the details to the wrong ones!

 

To me that is equivalent to amending a signed final copy of a document to match the first draft!