Insurance Disclosure of Spent Convictions

Car_54

Rover_Driver wrote: »

The .gov.uk website only gives general information, often, as in this case, not that accurate, and any information should never be relied on without verification.

In this case, it's not general information but a highly detailed 16-page document. It was accurate when written, but they've failed to remove it when it was superseded by a new version.

Rover_Driver

Car_54 wrote: »

In this case, it's not general information but a highly detailed 16-page document.

And on the bottom of each page:
'Important Note: [FONT=Arial,Arial][FONT=Arial,Arial]This is intended as general guidance only. It must not be regarded as a definitive interpretation of the Act. Anyone in doubt should seek legal advice.' [/FONT][/FONT]

dacouch

Aretnap has given you the correct information.

If you would like to read up on it, the best website to have a read of is the unlock site

http://www.unlock.org.uk/

jobdone1

My view is the original conviction you not identifying the drive shot yourself in the foot no sympathy yawn

dacouch

jobdone1 wrote: »

My view is the original conviction you not identifying the drive shot yourself in the foot no sympathy yawn

It's not a popular conviction with Insurers for a number of reasons, hence the size of the loading

Aretnap

As an aside, the reason most insurers ask if you've had any convictions in the last 5 years is precisely because the vast majority of motoring convictions take 5 years to become spent.

A small minority of customers (mainly people who were convicted while under the age of 18) will have convictions which become spent in less than 5 years, and those people are indeed entitled not to declare their convictions, even if asked about them.

And another small minority (mainly people who've served jail time for very serious motoring offences) will have convictions which take longer than 5 years to become spent. In theory they would have to declare those convictions for longer than years if insurers were to ask about them, though in practice insurers tend not to ask, presumably because the number of potential customers affected is very small in the grand scheme of things.