Will my Insurers Pay a Claim if I dont Declare my Motoring Convictions?
Case Study: Will my Insurers Pay a Claim if I dont Declare my Motoring Convictions?
XYZ Sign business insured their company vehicles under a motor trade policy with an insurance broker in 2017. When an employee of the business had an accident later that year they contacted the broker to make a claim.
It was subsequently discovered that the driver of the vehicle had a number of motoring convictions on his driving licence which he had failed to disclose when the policy was taken out.
As a result insurers refused to to the claim because convictions had not been declared.
Prior to insurers making this decision further enquiries were made by them to ascertain the full facts as to non-disclosure of the convictions.
It was determined the broker clearly asked the question when the insurance was applied for whether any drivers had any motoring convictions or accidents in the last 5 years.
In addition to this. a motor trade proposal form had been completed and signed by the policy holder and again convictions were not declared.
Whilst insurers will take a view on each individual case and gather facts in order to ascertain whether the client was negligent or had simply made a mistake in not declaring the information, in the above case the convictions on the drivers licence were a lot more serious.
These turned out to be DR10 for drink driving which involved a ban and a CD10 for careless driving.
If these were declared to insurers when the policy was taken out they would have accepted this driver on this policy.