Failure to Notify - Do I Get Premiums Back?

[PittaNCheese]

Currently dealing with a case heard in my absence. A very predictable Failure to Notify charge, following papers sent to a previous address.

I'm chugging through the Stat Declaration process now.

Being unaware of the 6 points until I checked my licence, I'm pretty sure that my recent insurance premiums will have been much more than they needed to be. My spouse was driving (we calculated this given that I gave birth less than a week prior to the offence).

Is there a process to reclaim any insurance premiums, does anyone know? I haven't technically committed any offences...

[des8]

If you haven't declared to the insurers that your licence was endorsed with 6 points, they would not know and so would not have loaded your premium.
If they had found out from some other source they would have cancelled your policy on the basis of non declaration.

Be very careful now and try not to make a claim!

[PittaNCheese]

Yes - my first thought when I discovered the endorsement was that. So I checked the small print on the renewal forms - which state that they no longer ask questions about driving licenses and check details direct with DVLA. This is not a process I have heard of before....

[des8]

Just done some checking and found a number of insurers do that now (but not my current insurers).

I would wait until you have achieved retrospective removal of the points before writing to your insurer about the possibility of a refund.
Of course if the original offence was eg speeding by your hubby (as he rushed to see new addition to family ) and he is gifted points it might not make any difference to the insurance premium.

*********************
On reflection 24 hours after posting above, of course the authorities will be out of time to proceed against your husband (I hope)

[PittaNCheese]

Thanks for your observation on proceedings against hubby potentially being out of time DES8...I had missed that.

I'm now listed for a Stat Dec (next week) and upon seeing the original MG11 witness statement re: service of the original documents, they appear to have been sent to the wrong address in any event!

Correct postcode. But a different property (with a very similar name). But still not the address of the RK. So I'm thinking that someone in the Central Ticket Office used one of those auto-address generator things from a postcode, and clicked the wrong option.

So now I'll be pushing the case that the NIP was not adequately served for the original offence. Because it wasn't.

I'll let you all know how I get on.