What happens if the insurance company discovers that i dont have a valid no of years of no claim & licence hel

Question

what happens if the insurance company discovers that i dont have a valid certificate for no of years of no claim & licence held as calimed when i took my insurance online?

ididnot meet with accident .

initially when i took insurance online i had entered my years of licence held abroad and no claim abroad . now i have a full uk licience. when i renewed over phone i told them abt this. today i recieived a lettr from police dept of ins. company to produce licence and no claims. has anybody had similar experience or advice me what can happen in my case. will i be arrested for having drived without a valid insurance? will i get penality or will a case be charged on me?or will i get points on my licence ?

any advice is much appreciated. thankyou.

Answer 1

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Answer 2

Your best option is to co-operate fully and honestly. Anything else will just get you into bigger trouble.

You will have been asked "How many years have you held a full UK drivers' licence for?" when you applied, and the insurance company will have recorded the call. At best, you can claim that you misunderstood and didn't hear the "UK" bit.

If the matter comes down to misunderstood communication between the insurance company and yourself, and there is no evidence of an intent to obtain insurance fraudulently then you're unlikely to be prosecuted. You may have to pay the insurance company a significant extra fee to reflect what they would have charged you though and this could be very expensive if they decide that they would normally have declined covering you.

If there is evidence of fraud, you can expect your insurer to withdraw cover and prosecution which will normally result in a fine, penalty points and maybe a driving ban. If there have been no accidents during your period of invalid insurance then you certainly will not face imprisonment.