Before I totally nut off at the Insurance Co..

[Sniper]

how have you not lost your license? at my count thats over 100 demerit

demerits expire after 2 years from the date obtained

[Bloody Mad Woman (BMW)]

Not all of those were on a bike - some were in my car, the insurance company were relieved to hear that when I emailed them this morning!

[Sniper]

Not all of those were on a bike - some were in my car, the insurance company were relieved to hear that when I emailed them this morning!

As bad as it sounds, unfortunatly that doesnt matter. If you go over 100 demerits in 2 years on a bike or in a car, you lose your license for both straight away. Do not pass go, do not collect $200

[slimjim]

how have you not lost your license? at my count thats over 100 demerit

,
na only lose it if stopped by cops, given a ticket, and total i think must be all add up in two year's,

[JeremyW]

I feel your pain. I had a call from insurance to say they were reviewing whether they would cover me even though they have approved repairs.

So know I am probably gonna have to fork out for repairs they approved! Bloody pack of bastards.

I think I will wait a while before I call again.

[Beemer]

,
na only lose it if stopped by cops, given a ticket, and total i think must be all add up in two year's,

Yes, but seeing as you don't get demerit points for speed camera offences, these are ALL cop-issued tickets by the look of it. They expire in two years from the date of issue, but not disclosing these to an insurance company is asking for trouble.

I remember working for an insurance company years ago that had an agency in a small town. Completed proposals were sent to the main office and processed every week on a certain day and at that point the excess was arrived at. There was a case where a young guy got insurance the week before at the agency then wrote off his car, killing his girlfriend in the process, that weekend. We had to assess the risk, using the information he had provided, and without taking into account the fact he was now a driver we may not have insured if the accident had happened prior to him completing the insurance form.

It's the same as how you have to tell your insurance company if you have a burglary, even if you don't put in a claim. If you live in a high-risk area they could put extra on your premiums and excess. If you don't tell them your house has been broken into six times and then put in a claim when the burglars actually take something of value the seventh time, you may find you have no cover.

All driving offences are relevant, even if they are minor speeding offences, because it shows a willingness to act in a manner that is not conducive to safe or prudent road use.