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  • FIRST POST
    • TMinside
    • By TMinside 14th Feb 18, 1:03 PM
    • 24Posts
    • 4Thanks
    TMinside
    Car Insurance - Ban Declare Question
    • #1
    • 14th Feb 18, 1:03 PM
    Car Insurance - Ban Declare Question 14th Feb 18 at 1:03 PM
    Hi all,

    So I'm looking at getting a new car in a couple of months finally after many years. I'm just wondering if I need/should declare my ban. I notice the insurance ask "If I have been banned in the last 5 years" which yes I have in 2014. But this comes off/removed my license on the 23 April 2018. See below;

    Thanks for any advise.
Page 1
    • FlameCloud
    • By FlameCloud 14th Feb 18, 1:11 PM
    • 1,807 Posts
    • 874 Thanks
    FlameCloud
    • #2
    • 14th Feb 18, 1:11 PM
    • #2
    • 14th Feb 18, 1:11 PM
    You honestly and accurately answer the question that you have been asked, nothing more, nothing less.
    • keith1950
    • By keith1950 14th Feb 18, 1:11 PM
    • 2,418 Posts
    • 1,070 Thanks
    keith1950
    • #3
    • 14th Feb 18, 1:11 PM
    • #3
    • 14th Feb 18, 1:11 PM
    It doesn't matter whether it has been removed from your licence ...you have to honestly answer the question your are being asked by the insurance company.
    Remember they can check this but might not bother until you make a claim and by then your in the !!!!.
    • Quentin
    • By Quentin 14th Feb 18, 1:42 PM
    • 34,557 Posts
    • 18,541 Thanks
    Quentin
    • #4
    • 14th Feb 18, 1:42 PM
    • #4
    • 14th Feb 18, 1:42 PM
    Licence endorsements are not spent till after 5 years even though they are removed after 4

    The question is about convictions in the last 5 years!
    • Reardoa
    • By Reardoa 14th Feb 18, 2:10 PM
    • 49 Posts
    • 13 Thanks
    Reardoa
    • #5
    • 14th Feb 18, 2:10 PM
    • #5
    • 14th Feb 18, 2:10 PM
    You still have to declare it though it reality any difference this far down the line in premium will be negligable
    • TMinside
    • By TMinside 14th Feb 18, 4:52 PM
    • 24 Posts
    • 4 Thanks
    TMinside
    • #6
    • 14th Feb 18, 4:52 PM
    • #6
    • 14th Feb 18, 4:52 PM
    Well thanks guys, thought it was worth checking before. Unfortunately adds on £700 making a total of around £1700 for the year but it's worth it rather than being unable to claim/fraud.

    Thanks!
    • Reardoa
    • By Reardoa 14th Feb 18, 5:09 PM
    • 49 Posts
    • 13 Thanks
    Reardoa
    • #7
    • 14th Feb 18, 5:09 PM
    • #7
    • 14th Feb 18, 5:09 PM
    If you have a 4 yr old sp30 conviction that is having that much impact on your insurance you need to look around at alternatives. I wouldn't expect a more serious conviction to still have that impact alone after 4 yrs.
    • AstroTurtle
    • By AstroTurtle 14th Feb 18, 5:29 PM
    • 79 Posts
    • 310 Thanks
    AstroTurtle
    • #8
    • 14th Feb 18, 5:29 PM
    • #8
    • 14th Feb 18, 5:29 PM
    You will need to declare this until 23rd of April 2019.


    On your licence or not, that's not the question.
    • FlameCloud
    • By FlameCloud 14th Feb 18, 5:58 PM
    • 1,807 Posts
    • 874 Thanks
    FlameCloud
    • #9
    • 14th Feb 18, 5:58 PM
    • #9
    • 14th Feb 18, 5:58 PM
    If you have a 4 yr old sp30 conviction that is having that much impact on your insurance you need to look around at alternatives. I wouldn't expect a more serious conviction to still have that impact alone after 4 yrs.
    Originally posted by Reardoa
    It’ll be the ban rather than the offence I suspect.
    • TMinside
    • By TMinside 14th Feb 18, 7:45 PM
    • 24 Posts
    • 4 Thanks
    TMinside
    Done a bit of shopping around tonight and I've got it down to around £1500 compared to £1250 (without the ban) which I don't think is bad and I'll be fully legal up to the eyeballs so can't complain.
    • ValiantSon
    • By ValiantSon 14th Feb 18, 7:50 PM
    • 836 Posts
    • 680 Thanks
    ValiantSon
    Hi all,

    So I'm looking at getting a new car in a couple of months finally after many years. I'm just wondering if I need/should declare my ban. I notice the insurance ask "If I have been banned in the last 5 years" which yes I have in 2014. But this comes off/removed my license on the 23 April 2018. See below;

    Thanks for any advise.
    Originally posted by TMinside
    You were banned on 23rd April 2014. That is less than five years ago, so yes, you do need to declare it.

    The question is straightforward, and so is the answer.
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