Do I need to declare 3 points when renewing car insurance with the same company?

I have three points on my license and have had them for over a year. Last year when it came to renewal time they sent a quote and never asked me so I just accepted. If I am in a major crash and was to kill someone or cause major injury or something (hopefully I won%26#039;t but you never know), would the insurance still pay out? It%26#039;s now time to renew again.... should I let them know now or not bother?
Do I need to declare 3 points when renewing car insurance with the same company?
You need to tell them, it is a material fact.





Failure to disclose a material fact could void your insurance.





Driving without valid insurance can put you in a lot of trouble.
Do I need to declare 3 points when renewing car insurance with the same company?
In short the answer is yes, you do need to declare them for your insurance to be valid.





This falls under a legal requirement that says it is your responsibility (not that of your insurers) to declare any unspent driving convictions. (Most convivitions are spent after a period of 4 years)





This means that even if your insurer does not ask about convicitons you are guilty of concealment if you do not declare them.





Countless people do not declare driving convictions to their insurers, what you need to ask yourself is it really worth the risk of driving with unvaild insurance for the sake of saving a few extra pounds on you premium?
Reply:yea you got to tell them
Reply:Your insurance company will receive a report from your state DMV, so no worries. They can%26#039;t drop you for not revealing something like that... (they can drop you for the actual ticket that got you those 3 points) now if you lied outright and said that you didn%26#039;t have anything, that%26#039;s insurance fraud and when you commit it you let your insurance company off the hook for covering you in an accident.
Reply:You don%26#039;t need to tell them, they already know about it.