Whealie said:Boris said:So by this reasoning if you were TP&T or TP only then you might as well not bother telling the insurance company about anything that might boost your premium such as previous bans, points etc.as you (personally) are protected against third party claims so in essence it makes little difference.
Even if you get stopped by the law you are legal on paper so as far as the former drunk driver is concerned its a no brainer.
If you did that you would not only have your insurance repudiated but you would be prosecuted for fraud. The insurer will also have the right to sue you for the money it has paid out.
In most cases the insurer stuck with the vehicle will pay out for the TPO liabilities because if they don't the the MIB pays and out that is funded by the insurers anyway, so to make life easier they just swallow the fact that they underwrote badly, possibly by not spotting a fraudulent person buying cover or buy not asking the right questions to identify the modification made.
Just wondering as it seemed a bit of a loophole for those who are potentially uninsurable. I suspect it happens though.