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non motoring convictions on insurance?!
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lisa21booth
Posts: 2 Newbie
why do car insurance companies need to know about any NON- MOTORING CONVICTIONS? do we have to tell them?
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You do need to declare convictions that have not been rehabilitated if they ask.0
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I suppose it's part of their risk assessment, they may consider a conviction a displays of bad character thus it may reflect the way you handle yourself with the vehicle on how you use it or what you do with it.0
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If you do not tell them they may not payout if you make a claim.
Worth risking?Censorship Reigns Supreme in Troll City...0 -
bikebarbie wrote: »I suppose it's part of their risk assessment, they may consider a conviction a displays of bad character thus it may reflect the way you handle yourself with the vehicle on how you use it or what you do with it.
Aye, I'd imagine a conviction for Drunk and Disorderly, or drugs indicates a risk that could carry over to motoring, any insurance or fraud convictions can be a strong indicator that you're not adverse to trying to screw the insurance company...
If an insurance company asks a question, it's always best to answer fully and truthfully, as the basis of insurance is that they rely on you being honest (they can't do a full individual check for every new customer for various reasons*), and the courts recognise that and thus if at claim time the insurance company finds that you've lied about any material facts they can basically tell you to get lost.
*Cost and privacy being to of the obvious ones.0 -
Insurers dislike any conviction relating to theft or fraud. If you've stolen or scammed someone then the risk of you scamming them is statistically higher.The man without a signature.0
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lisa21booth wrote: »why do car insurance companies need to know about any NON- MOTORING CONVICTIONS? do we have to tell them?
HTH0
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