Over 50s overstate number of points on their licence

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An new initiative, aimed at stopping car insurance fraud in its tracks, could also mean lower premiums for experienced motorists, a Saga Car Insurance poll has found.

The poll revealed that many drivers say they have more points on their licence than they actually as they don't realise when penalties have expired.

The poll asked more than 9,700 drivers over 50 about recent driving convictions, a fifth of over 50s said they were less than 50% sure of the year that they last received one.

The poll also found that one in 10 over 50s was uncertain of the year of their last motoring accident. As a result, a shocking 23% don't state their driving history accurately when applying for cover.

The change means British drivers will soon be able to provide their Driving Licence Number (DLN) when applying for cover under the MyLicence initiative. The scheme, which is being introduced by the Motor Insurers' Bureau (MIB), simply means insurers will receive correct details about motorists' driving history.

The MyLicence scheme, from the Department of Transport and Driver and Vehicle Licensing Agency (DVLA), means that when customers browse online, or call insurers for a quote, they may be asked to provide the 16-character code on their driving licence. Information is then retrieved from the DVLA about the type of licence a customer holds, how long they've had it and whether there are convictions attached to it.

Roger Ramsden, chief executive, Saga services, commented: "Many people, of all ages, find recalling exact dates a challenge. But not being precise when it comes to motor insurance can have huge financial consequences – if you get the details of an accident wrong; or, if you forget about one scrape but go on to make a claim. This new initiative will ensure that people are protected and don't pay more than they ought."

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