Driving Convictions & Disqualifications Insurance (Very Confused.com)

iregretitall

Hello,

I am 26 and have a FULL UK licence.

Im trying to obtain a insurance quote and im VERY confused as to what I disclose.

I have a TT99 & DR10 as you can see below from when I was much younger and silly:(.

Can someone please tell me what I should be telling insurance companies as when I tell them about the TT99 they ask me what its made up of and I called the DVLA and they told me that they can't access that info anymore ??

So in order for me to be honest and obtain insurance how can I find this out.

To be money saving as well, under the spent act or any other law do i still have to mention the TT99 ??

The conviction "I THINK" that led to the TT99 i think was made up of a no insurance conviction, but I can not remember ??

Where can I find out this information? Could I telephone the courts, would they be able to tell me? if so then where can i fond out from my licence a way to translate the "convicted court code" into the name of the court as I cannot remember what courts I went to as it was so long ago.

Here is the key information:

HappyMJ

The TT10 is 4 years from date of conviction so it's expired now and you can apply for a new licence so it doesn't show on it but the DR10 is 11 years from date of conviction so it depends on exactly how the question is worded.

iregretitall

So when the insurance asks me in the last 5 years, do i declare it.

I was told by someone that the TT99 is classed as a disqualification and NOT a conviction so if they ask if there is any convictions I should say no ?

Still confused im afraid

bouncydog1

Try this link for the details:-

http://www.direct.gov.uk/en/Motoring/DriverLicensing/EndorsementsAndDisqualifications/DG_10022425Your

Bet bet is going to be using a broker as many of the online sites won't quote DR10's as they don't want this type of business.

Dangermac

HappyMJ wrote: »

The TT10 is 4 years from date of conviction so it's expired now and you can apply for a new licence so it doesn't show on it but the DR10 is 11 years from date of conviction so it depends on exactly how the question is worded.

Ignore this advice. Very wrong.

Despite popular belief, the majority of drink driving convictions will not need to be declared after 5 years (from the date of conviction) unless a prison sentence was involved. Please google the Rehabiliation of Offenders Act, which will confirm this.

The other convictions (you will need to declare them all) will also need to be declared for 5 years. Although DVLA may remove after 4 years, most/all insurers will ask for 5 years, and 5 years (from the date of conviction) is the date that the Rehabilitation of Offenders Act states that it no longer needs to be declared, unless prison is involved.

This isnt exactly a full answer, but I belive it to be pretty accurate, and I would recommend that you have a look at the act yourself, to verify what I have just said.

Hope this helps.

DM

iregretitall

OK,

Thanks for your help everyone on clarifying this with me.

agrinnall

The TT10 was just over 4 years ago and you can't remember what convictions you had that caused it? Were you in court so often that it's all a blur? Anyway, with all that lot on a provisional licence I expect your insurance is going to be about a million pounds a year so I doubt if you can afford to drive, stick to the bus is my recommendation, cheaper for you and safer for the rest of us.

Spiderham

You say you think the TT99 happened after an no insurance conviction (IN10). Have you had an IN10? What other convictions do you have? These are more questions for you than to reply on here. The TT99 will have been because of more than one conviction (it's a "totting up" ban), think of all convictions you have ever had and when they were. You really should be able to remember the last 5 years worth of convictions. May also be worth checking around the house to see if you have any old court paperwork/photocopy of licence which may help remind you.

As has been said a lot of insurers won't quote through aggregators for your convictions and many may not quote at all. It may well be worth speaking to a broker who will know which insurers they can approach for someone with your history. Also, prepare yourself for a very high premium.

magpiecottage

The Financial Ombudsman Service discussed this issue here.

What its position seems to boil down to is if the conviction is not yet "spent" in accordance with the Rehabilitation of Offenders Act then you must disclose it. If it is "spent" then you need not.

When it can be considered "spent" will depend on the nature of the offence.

iregretitall

(add www) .lawontheweb.co.uk/Road_Traffic_Law/Rehabiliation_of_Offenders_Act

This states


Rehabilitation of Offenders Act

Disqualifications

The rehabilitation period for a disqualification is the length of the disqualification. If a person is disqualified at the same time as receiving another penalty, the longer rehabilitation period applies. (For example, if a motorist is banned from driving for seven years and fined - which takes five years to become spent - the rehabilitation period would be seven years, not five years.)

I did not receive a fine, so does that mean i dont have to declare as i have completed my 18 month ban

dacouch

iregretitall wrote: »

(add www) .lawontheweb.co.uk/Road_Traffic_Law/Rehabiliation_of_Offenders_Act

This states


Rehabilitation of Offenders Act

Disqualifications

The rehabilitation period for a disqualification is the length of the disqualification. If a person is disqualified at the same time as receiving another penalty, the longer rehabilitation period applies. (For example, if a motorist is banned from driving for seven years and fined - which takes five years to become spent - the rehabilitation period would be seven years, not five years.)

I did not receive a fine, so does that mean i dont have to declare as i have completed my 18 month ban

That's defining the rehabilitation period for a "Disqualification" only, not the conviction itself