How to answer insurance Q's re: Driving Ban

athensgeorgia

In April 04 my husband had an accident and was convicted of Dangerous Driving (DD40) in July 04. When i get car insurance quotes and select additional driver it says does this person have any driving convictions in the past 5 years when it gets past July can i say no as it was over 5 years ago or is this still classed as the 5th year?

The actual dates are :-

Date of offence-20/4/04
Date of conviction- 5/7/04

Any help greatfully received.

withabix

On 5/7/09 the conviction is more than 5 years old, so declaration not required after that date.

athensgeorgia

Many thanks been waiting a long to sit back and be 'ferried' around renewals not due til end of July am just trying to get organised

DGJsaver

athensgeorgia wrote: »

Many thanks been waiting a long to sit back and be 'ferried' around

Lets hope his driving habits have improved :eek:

withabix

Why hasn't he paid for the extra insurance? I hope you haven't been ferrying HIM around.

dacouch

Sometimes Insurers ask "Have you ever been banned from driving" and in this case you would have to answer he has.

athensgeorgia

DGJsaver wrote: »

Lets hope his driving habits have improved :eek:

Hopefully they will have it was quite a harsh convction considering the circumstances but he accepted his punishment, 70 hours community service, losing his job (he was a delivery driver) and a nagging wife (who throws it back in his face when he comments on my driving). Was also scary when we got to court and the solicitor said if it had gone to crown court its a prisonable offense.

wrote:

Why hasn't he paid for the extra insurance? I hope you haven't been ferrying HIM around.

We couldn't afford the extra insurane tbh he has to resit his test and it was really expensive because it was quotes for a provisional and they take the conviction into account when quoting. And yes i have hence my eagerness.

wrote:

Sometimes Insurers ask "Have you ever been banned from driving" and in this case you would have to answer he has.

Thanks for that will bear that in mind if they do ask but tbh most of the quotesi've had inthe past don't seem to ask that question.

raskazz

dacouch wrote: »

Sometimes Insurers ask "Have you ever been banned from driving" and in this case you would have to answer he has.

No you wouldn't, as the conviction is spent under the Rehabilitation of Offenders Act (assuming no prison sentence was involved).

athensgeorgia

raskazz wrote: »

No you wouldn't, as the conviction is spent under the Rehabilitation of Offenders Act (assuming no prison sentence was involved).

It wasn't. Thanks for that.