Hi
With insurance companies I tend to have the ‘’what if approach’’.
We all are aware that the smallest mistake or non-disclosure made on an insurance policy, means a claim is refused.
When you hire a car, you directly or indirectly take out an insurance cover. No insurance company would give cover to somebody who has a high number of points, for whatever reason, unless they increased the premium to reflect the extra risk they would perceive you are. Most likely they would decline to offer cover. They certainly would not cover a banned driver.
This of course, as it would be in the UK, if you insured a private vehicle, and no doubt elsewhere in the world.
The only way a hirer can check your up to date driving history is via the DVLA.
So ‘’what if’’ by not declaring any driving offences would happen if you had an accident involving yourself or third parties, and a claim was made? Especially for any personal injury that could be very costly to the insurance company and not the hire firm.
I am reasonably certain, if in mitigation, you said you was not asked for your DVLA driving record, you would not be covered from the insurance company, as they would say it is invalid and should not have been issued.
Of course it should be the responsibility of the hire company, who issue a policy on behalf of the insurance company, to ensure it is accordance with the policy rules to ensure you are an acceptable risk. They can only do this via the DVLA.
Just because they do not ask for the DLA code it does not mean you can be assured of cover in the advent of a claim
I can’t imagine any policy issued to a hire company allowing hirers unlimited points and bans, as would be for any private insurance policy as well.
No problem if you do not have an accident but ‘’what if’ ’. Especially if you have a few points.
Geoff