Spent convictions & insurance

unforeseen

Car_54 wrote: »

There's no contradiction. That site is saying the endorsement stays on your licence record for 4 years.

In year 5 it's no longer on your record, but it's not spent and must be declared if the insurer asks.

Yes but the implication from

Other people, eg insurers and employers, may be able to find out that you have the endorsement:

• any time during a 4-year endorsement
• during the first 5 years of an 11-year endorsement, or the first 30 months if you’re under 18

is that it is only an 11 year endorsement that the 5 years applies to.

The page is a little bit unclear

Car_54

unforeseen wrote: »

Yes but the implication from
[/LIST]
is that it is only an 11 year endorsement that the 5 years applies to.

The page is a little bit unclear

Agreed it's confusing. The clue is in the title "How long endorsements stay on your driving record". Up to four years, insurers can find out by looking at your driving record. After that, they can still ask you!

AdrianC

The insurer ask about five years.

You have a choice. You can answer honestly, or you can lie - and wave legislation about to excuse your lie.

The question is whether your insurer think it relevant. If they don't, then it won't make the slightest bit of difference to your premium whether you declare it or not... But, if they do...

GingerBob_3

Car_54 wrote: »

Why do you think they have no right to ask? Your driving licence record is confidential too (unless you've been convicted in open court).

Insurance companies have no rights whatsoever in connection with anything.


I think only Admiral is currently taking the plss in this respect. Don't use them. I'm not aware of any case where the pond-life has refused to pay out because someone didn't disclose a speed awareness course, but I bet they are itching to try it (at Admiral).


BTW, what's the difference between an endorsement and points?

Car_54

GingerBob wrote: »

Insurance companies have no rights whatsoever in connection with anything.


I think only Admiral is currently taking the plss in this respect. Don't use them. I'm not aware of any case where the pond-life has refused to pay out because someone didn't disclose a speed awareness course, but I bet they are itching to try it (at Admiral).


BTW, what's the difference between an endorsement and points?

An endorsement is the note on your licence record that you have been convicted (or accepted an FP), and how many points you've been given or for how long you've been disqualified. Also possibly the fine and/or period of imprisonment, but I can't remember.

GingerBob_3

Car_54 wrote: »

An endorsement is the note on your licence record that you have been convicted (or accepted an FP), and how many points you've been given or for how long you've been disqualified. Also possibly the fine and/or period of imprisonment, but I can't remember.

So really the two go hand-in-hand then? Apart from anything else an endorsement is a record of any points you've got: you've got points, then you've also got an endorsement?

Car_54

GingerBob wrote: »

So really the two go hand-in-hand then? Apart from anything else an endorsement is a record of any points you've got: you've got points, then you've also got an endorsement?

Yes

But apparently the forum won't accept very short posts, so yes again.

Norman_Castle

http://hub.unlock.org.uk/knowledgebase/insurance-convictions-simple-guide/

Aretnap

In spite of the amount of confusion around the subject, the law is actually pretty simple - the leading case is Power v Provincial Insurance

(1) A driving conviction which results in an endorsement has a rehabilitation period of 5 years, regardless of how long the endorsement stays on your licence (unless you also go to prison for it, or get banned for more than 5 years, in which case a longer period may apply)

(2) Once the rehabilitation period has expired you have the right not to declare the conviction to insurers, even if they ask (most insurers only ask about convictions in the last 5 years for precisely that reason)

People get confused because the rehabilitation period is different from the time the DVLA keep a record of your endorsement. But it's also different from the time you spend in prison, the time it takes you to pay the fine or the time you have your electronic tag on - people don't seem to find that confusing.

A murder conviction does not result in a driving licence endorsement at all - do the confused people think that means it is spent immediately and never has to be declared to insurers or employers? (Clue: no)

dacouch

GeorgeK84 wrote: »

thats fantastic, thanks for your input. I have since called them back and they have dropped the £50 admin fee so just had to pay around £40 for them to add that to the policy.

Bite their hand off, that's a good deal