Insurance and criminal conviction

jonsyt

A lot of car insurers seem to ask whether you have non motoring convictions . What can an insurance company actually do to find out if you do or not and what has is to do with insurance anyway ?

Quentin

They want to know if you are the sort of person they can trust.

And they do have ways of finding out if you lie to them.

May as well not bother with insurance at all if you lie about a criminal record - if you ever needed to claim they would refuse to pay out!

rs65

jonsyt wrote: »

what has is to do with insurance anyway ?

Its called a moral hazard.

magpiecottage

A conviction which is "spent" under the Rehabilitation of Offenders Act does not normally need to be disclosed to insurers because they cannot use it as a basis of discrimination.