Do I have to declare non motoring convictions for car insurance?

You must declare any unspent convictions you have. If you don’t disclose your unspent convictions when asked, your insurance will be invalid. Insurers can even get their money back from you if you’ve made a claim with them. Final warnings, cautions and reprimands aren’t convictions, so they don’t need to be disclosed.

Do insurance companies check your convictions?

Technically, an insurer could ask you to provide proof of your unspent convictions. However, it’s more likely that your insurer will take more interest in your criminal record when you make a claim. At this point, insurers normally check through with you the details they have.

What happens if you don’t declare convictions on insurance?

If you deliberately don’t disclose your convictions when asked by the insurance company, your insurance could be invalid. This means it won’t pay out when you make a claim on it. If you’ve already made a claim, the insurance company can ask for the money back.

What happens if you don’t declare driving convictions?

Why You Should Declare Your Driving Conviction If you fail to declare a driving conviction and your Car insurance provider finds out, and it’s highly likely they will, you could see your policy cancelled or even voided – which would legally mean you were never insured in the first place.

What are unspent non motoring convictions?

Spent convictions are those convictions that have reached a set period as defined by the Rehabilitation of Offenders Act 1974, and are removed from an individual’s criminal record. Unspent convictions are those records that have not yet reached this defined time and will appear on a Basic Criminal Record Check.

Why do insurance companies ask for 5 years convictions?

All convictions which result in an endorsement to a licence will need to be disclosed for at least five years.” An Aviva spokesman said: “We ask customers to declare convictions over the last five years because it gives us important information as to how they drive.

Do insurance companies check if you had insurance Cancelled?

Future insurers will ask if you’ve ever had a policy cancelled or voided before and, depending on the reason for it, they could refuse to offer you cover as well.

How long does a unspent conviction last?

If you’re still in your rehabilitation period following a criminal conviction, your conviction is unspent. Any custodial sentence over two and a half years stays unspent. If you were found guilty of a criminal offence by a court, following the specified time-period, your conviction will be considered “spent”.

Do I have to declare a driving ban?

Some insurance policies are worded deliberately vague when it comes to drink driving offences (as a ‘capture all’ clause). All insurers will want to know immediately if you’ve been arrested for drink or drug driving – but you may not be required to tell them.

Do I have to tell my insurance about drink driving?

After the authorities charge you with drink driving, you need to tell your insurance broker and insurer. Never hide your conviction because it will lead to problems down the line, most notably by voiding your policy.

What is a non driving conviction?

A non-motoring conviction is a conviction that is not related to driving, for example breaking into a house or stealing a car would be classed as a non-motoring conviction (however excessively speeding in the stolen car would be classed as a motoring offence!).

Do I have an unspent criminal conviction?

A basic DBS check will disclose any convictions which are unspent. If you do have unspent convictions, the basic DBS check will give details of the date of conviction, the name of the court you appeared in, the offence committed, the date of the offence and the sentence received.

How does a driving conviction affect your car insurance?

If you have a motoring conviction, insurers will see you as a greater risk and your insurance premiums will increase. Here are a few ways that your car insurance could be affected by a driving conviction:

Where can I get car insurance with a conviction?

Whatever your convictions are, and however serious they may be, Try Compare can help you find quotes for your car insurance with convictions, or insurance for banned drivers. We have the right expertise on-hand to provide you with your cover and save you time, money and energy.

What happens if you dont declare a motoring conviction?

It is possible for someone with motoring convictions to attempt to dodge the issue by failing to declare their full driving history. Not declaring convictions risks invalidating your insurance. Aside from the potential financial implications, driving without valid insurance cover is an offence.

Can a person drive a car if they have a criminal conviction?

If someone else needs to regularly drive your car, like a friend or relative, then you can add them to your car insurance as a named driver. As your policy will cover another driver, you’ll need to give the insurer their details too, which includes disclosing any criminal convictions they have.

Do I have to declare non motoring convictions for car insurance? You must declare any unspent convictions you have. If you don’t disclose your unspent convictions when asked, your insurance will be invalid. Insurers can even get their money back from you if you’ve made a claim with them. Final warnings, cautions and reprimands aren’t…