A quarter of drivers lie about penalty points on their car insurance forms

Drivers are lying to their insurers despite the fact that those who withhold details risk invalidating their insurance, and prosecution

Choosing the right insurance for your van

Nearly a quarter of drivers have lied to their car insurer about points on their licence, a new study has found.

According to the RAC, 23 per cent of drivers have not informed their insurer about penalty points on their driving licences. There are currently 2.8 million drivers with points on their licence, meaning around 654,158 drivers are risking invalidating their insurance.

Under the Road Traffic Act, it is an offence to withhold relevant information – such as penalty points – from your insurer when applying for cover. 

Best car insurance companies

Worryingly, a further 18 per cent of respondents said they would not tell their insurer in the future if they received points. The RAC said drivers are likely to be withholding information about penalty points from their provider to keep their premiums down. 

The research also found that 10 per cent of drivers know someone who has incurred penalty points but persuaded their partner to take them instead.

RAC insurance director Mark Godfrey said: “It is the duty of every driver to inform their insurer of any circumstance that might affect the contract they have with them, both during the insurance term and at renewal." 

Cheapest cars to insure

“Not declaring penalty points is a serious matter as it puts drivers at risk of holding invalid insurance as well as potentially incurring substantial penalties from the police or even a prosecution. The onus is always on the person taking out an insurance policy to make any incident known that could influence an underwriter in calculating a premium, even if they are not requested to provide such information.”

“The best advice with insurance is always be completely open and honest – that way your policy will be there to protect you when you need it.” 

Have you not told your insurer about penalty points on your licence? Tell us in the comments below...

Recommended

UK child car seat, booster seat and baby seat laws explained
Child seat booster seat car seat
Consumer news

UK child car seat, booster seat and baby seat laws explained

Detailed info on latest baby seat and child seat regulations, plus when it’s OK to use a booster seat
24 Mar 2021
8,800 drivers on UK roads with 12 points
Driver with second highest points doesn't have licence
News

8,800 drivers on UK roads with 12 points

There are currently 8,800 drivers in the UK still driving despite having enough penalty points to trigger an automatic ban
9 Mar 2021
VED road tax: how much does it cost?
car tax calculator
Consumer news

VED road tax: how much does it cost?

Confused by VED road tax? Our comprehensive guide explains how much you'll pay on your next car
4 Mar 2021
Budget 2021: Fuel duty frozen for 11th consecutive year
News

Budget 2021: Fuel duty frozen for 11th consecutive year

Chancellor scraps plan to increase fuel duty in bid to keep cost of living down during ongoing Covid-19 pandemic 
3 Mar 2021

Most Popular

'Nissan has been quietly building an advantage over electric car rivals'
Opinion Nissan EV
Nissan

'Nissan has been quietly building an advantage over electric car rivals'

Steve Fowler thinks Nissan is in a great position to build on the Leaf's success
8 Apr 2021
Nissan to launch new Juke-sized electric car
Nissan Juke EV - front (watermarked)
Nissan Juke

Nissan to launch new Juke-sized electric car

The new Nissan Juke-sized electric car will sit below the Ariya, and our exclusive images preview how it could look
8 Apr 2021
New 2021 Citroen C5 teased ahead of reveal on 12 April
Citroen C5 2021
Citroen C5

New 2021 Citroen C5 teased ahead of reveal on 12 April

New flagship Citroen C5 model will make its debut next week, sporting a bold new look
8 Apr 2021