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  • FIRST POST
    • Susy909
    • By Susy909 11th Sep 17, 12:18 PM
    • 31Posts
    • 0Thanks
    Susy909
    Car insurance companies who ask for 3 years convictions?
    • #1
    • 11th Sep 17, 12:18 PM
    Car insurance companies who ask for 3 years convictions? 11th Sep 17 at 12:18 PM
    And not 5 years. I have 3 points from 2014 that have now expired, but most insurers are asking me for last 5 years and think this is increasing my premium even though the points have expired.
Page 1
    • Quentin
    • By Quentin 11th Sep 17, 12:27 PM
    • 33,258 Posts
    • 17,195 Thanks
    Quentin
    • #2
    • 11th Sep 17, 12:27 PM
    • #2
    • 11th Sep 17, 12:27 PM
    Why do you think they "expired"?


    They haven't! They remain on licence 4 years (they can't be used for totting up after 3 years)


    You can see what difference they make to your premium by doing dummy quotes online with and without these in your history
    • BeenThroughItAll
    • By BeenThroughItAll 11th Sep 17, 12:35 PM
    • 4,592 Posts
    • 4,001 Thanks
    BeenThroughItAll
    • #3
    • 11th Sep 17, 12:35 PM
    • #3
    • 11th Sep 17, 12:35 PM
    The points exist for four years... I'd be surprised if you'll find an insurer who won't ask about 5 years' conviction history.
    • Car 54
    • By Car 54 11th Sep 17, 1:18 PM
    • 2,407 Posts
    • 1,566 Thanks
    Car 54
    • #4
    • 11th Sep 17, 1:18 PM
    • #4
    • 11th Sep 17, 1:18 PM
    In my experience, 3 points make little or no difference (at least for speeding). Also, I'd expect any effect would get less with time, so negligible after 4/5 years.
    • Aretnap
    • By Aretnap 11th Sep 17, 1:46 PM
    • 2,820 Posts
    • 2,311 Thanks
    Aretnap
    • #5
    • 11th Sep 17, 1:46 PM
    • #5
    • 11th Sep 17, 1:46 PM
    There are a few companies which only ask about accidents and claims in the last 3 years (Admiral and Direct Line spring to mind) but I've never come across one which doesn't ask about convictions in the last 5 years.

    The points may no longer count for totting purposes but it's still a matter of fact that you were convicted on the offence, and insurers can legally require you to disclose it until it is considered "spent" under the Rehabilitation of Offenders Act. Most minor motoring offences become spent after 5 years, which is why most (all?) insurers ask about convictions in the last 5 years.
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