CCJ & Car Insurance

peach7931

Hi,
I hope someone can shed some light.
I unfortunately have a CCJ in my name (long story but due to change of address and missing letters rather than actual money problems). Looking to renew my car insurance quote. And not sure if I should declare this? Did a google search and getting some mixed information. So thought I would ask the helpful folks on here.
Thank You
Jeena

MovingForwards

It depends on the insurance company and the amount of the CCJ.

I had a couple say they wouldn't quote me because of the amount of my CCJ. What I would do is use a comparison site, check the actual insurer T&C's and call them to get verbal confirmation, making a note of the date and time I spoke with them.

6 years seems a long time, but I'm nearly out of it the otherside now and didn't really notice a price difference with annual premium.

peach7931

oh ok, So I do have to declare my CCJ. The CCJ was for around £600. Will follow your steps and see where i get. Thank you once again for taking the time to reply. 
Jeena

Aretnap

There's no universal list of things that you have to declare to your insurer - it is entirely down to what the particular insurer asks. As a consumer you are not expected to second guess what an insurer does and doesn't think is relevant to your policy. If they want to know something it's their responsibility to ask you about it, either directly (by asking "have you got any CCJs?") or indirectly (by giving you a list of assumptions and asking you to tick a box to say that they are correct). If they don't do either then you don't have to volunteer the information.

Of course there are some things that in practice all car insurers ask about, like whether you've had any accidents or convictions in the last few years, however in theory if the insurer didn't ask you about your convictions then you would be under no obligation to declare them.

If you're worried then you could phone up the insurer and double-check, however if you're confident in your ability to read a few pages of questions carefully then there's really no need to do anything more.