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Insurance and convictions
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paulc333
Posts: 188 Forumite
Hi.
Slightly strange one, some quick background
convicted of a fairly minor criminal offence in 2010, community service order. In Scotland.
Under the standard rehabilitation of offenders act this would be spent in 5 years.
However in march 2014 the uk government made an ammendment to the act that means under those rules the conviction would already be spent, however it seems Scotland did not implement this (this is a devolved area)
Now the question, when applying for motor insurance which states law is valid? most insurers in their t&c's say they are governed by the laws of England and Wales.
Therefore as far as they are concerned is my conviction spent and therefore does not need disclosing or does the fact i'm in Scotland and under Scots law it's not spent apply?
thanks in advance
Slightly strange one, some quick background
convicted of a fairly minor criminal offence in 2010, community service order. In Scotland.
Under the standard rehabilitation of offenders act this would be spent in 5 years.
However in march 2014 the uk government made an ammendment to the act that means under those rules the conviction would already be spent, however it seems Scotland did not implement this (this is a devolved area)
Now the question, when applying for motor insurance which states law is valid? most insurers in their t&c's say they are governed by the laws of England and Wales.
Therefore as far as they are concerned is my conviction spent and therefore does not need disclosing or does the fact i'm in Scotland and under Scots law it's not spent apply?
thanks in advance
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Comments
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The law of the country in which you reside and applying for insurance applies...so therefore Scot's law and it's not yet spent. Does the conviction make the insurance unobtainable or unaffordable? A broker will assist you to find insurance in this case.:footie:
Regular savers earn 6% interest (HSBC, First Direct, M&S)
Loans cost 2.9% per year (Nationwide) = FREE money.
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