Buzby, I get what you saying but I am not even claiming, it is the third party claiming. The accident was nothing major.. My headlights needed a fix which was just 45 pounds plus some bumper fix, all making up to about 80 pounds. My excess is about 200 pounds so I do think there was any need to even put up a claim, will be waste of time and my excess means i will have to do it any way! It is the 3rd party claiming and my worry is, can the insurance decide not to pay the 3rd party out and get things more difficult for me. All i am worried about most is if this can go to any extent to fetch me any points on my licences too.

Sailor, I got this insurance online and i remember they asked for this, but then what fooled my mind was this question came after they asked, have you a full british liences or so. Then the next subsquent questions were about these convictions. Since i got those points on my provisional, all i thought was that, they were talking about my then just acquire full licences so was answering based on that. A year after that, i used the same website to look for insurance and dint change anything basically on my saved file except current mileage of car and one year no claim bonus and how long you have had licences for. Then after i got into accident and they asked for all documents, it was then my friend told me that, they can invalidate my insurance and even initiate/alert the police or court that i had no insurance and which will fetch me another 6 points, meaning i will loose my licences which is abt 1 year and 10months old. All i want to know is, can insurance invalidate my insurance this way and not pay the third party claim and then inform police or court to get me 6 points?

I had 6 points on my provisional for driving without insurance, after a year, igot a full British licences and didn't know i had to tell the insurance about this 6 points since i believed i got it on provisional , it wasn't important in reference to my new full licences.. I got into an accident and it was my fault, now the 3rd party is claiming against me, insurance asked me to send documents which i sent over. Can anyone advise me on what is likely to happen . I am so worried, I have no heard from insurance yet since i sent in documents. Cant even sleep,, Please advise... I am worried if the insurance company by any way get me points or initiate 6 points for me..