If you find yourself issued a brand new coverage, it’s frequent for insurance coverage corporations to request copies of your documentation. You’ve in all probability had this request when checking out your cowl up to now, nevertheless, you will have been left questioning precisely what goal this serves.
Whereas offering a duplicate of your driving licence and different paperwork could also be a minor problem, insurers have a legit cause for finishing up a DVLA licence test. In truth, making certain all policyholders present full and correct info concerning previous convictions and penalties can truly prevent cash.
Within the occasion of an accident, anybody discovered to have withheld info from their insurance coverage supplier runs the danger of their declare being invalid.
Validating the accuracy of the data offered reduces the chance of this taking place, with financial savings that may be handed down on to you.
What checks will your insurer perform?
Calculating an insurance coverage quote is usually a difficult course of, and there are many various factors that insurers will keep in mind earlier than issuing a brand new coverage. These embrace earlier convictions, particulars about your car and your entitlement to drive.
This info is normally gathered by asking a couple of fast questions previous to issuing a quote, equivalent to the kind of automobile you’ll be insuring and what number of miles you drive per 12 months. Some suppliers could go the additional step and perform a driving licence test with the DVLA too.
Each insurer requires permission from the driving force earlier than finishing up these checks, so in the event that they haven’t requested you earlier than issuing a quote, it’s going to most certainly not have been a part of their course of.
Why do insurance coverage corporations test with DVLA?
The Driver and Automobiles Licensing Company (DVLA) has all driving licence knowledge, together with the factors in your licence. This is the reason insurance coverage corporations test with the DVLA, because it’s environment friendly and correct.
Precisely what DVLA checks the insurer carries out depends in your chosen firm. The data offered usually contains:
- Your entitlement to drive
- Penalty factors and convictions
- Previous disqualifications
- The kind of licence held
- The size of time the licence has been held for.
Why do insurance coverage corporations ask in your driving licence quantity?
Not all automobile insurance coverage suppliers would require a full copy of your licence, as a substitute asking for simply the quantity. This methodology could also be favoured to be able to scale back the danger of fraud in the course of the course of.
Find out how to test your driving licence for convictions
Checking a UK driving licence for earlier convictions is tremendous easy, however will provide help to out loads. All documentation may be accessed on-line by way of the authorities web site, permitting you to view your driving document simply.
To view your licence on-line, you’ll want your driving licence quantity, nationwide insurance coverage quantity and postcode, you then’re good to go.
Can Adrian Flux cowl drivers who’ve a driving conviction?
At Adrian Flux, we perceive that previous offences don’t essentially mirror your future. Whereas many insurers penalise drivers with previous convictions, we will supply aggressive quotes to drivers with earlier motoring offences, together with drink driving and different alcohol-related convictions.
We might help to rearrange you an insurance coverage coverage regardless of the severity of your convictions and we will supply many inexpensive insurance policies for convicted drivers. We’ll cowl you even in case you have current factors in your licence, or have been beforehand banned or briefly disqualified from driving.
To seek out out extra about getting automobile insurance coverage as a convicted driver, take a look at our devoted convicted drivers web page to see what your choices are.
It’s also possible to name our advisors on 0800 369 8590, or guide a free name again at a time that’s handy for you.