Hi, I am an 18 year old male driving a 1.6 mk3 golf and I just got my insurance renewal through for £2200! I shopped around for insurance and the cheapest I could find was around £1700
Its so high because I got points on my licence from when I was younger and had a moped, I also have a claim on my insurance now (my wheel fell off whilst driving and hit another car!).
Anyway I was just wondering if anyone could tell me what would happen if I didnt declare the points to my insurance company as they are no longer on my licence but are meant to stay on your insurance for 5 years. Is there anyway they can find out I used to have points on my licence?
My insurance would be like £300 cheaper without these points and i cant afford to declare them, plus I really dont want to be driving a daewoo matiz or suzuki alto
Alex