Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • voidinsurancehelp
    • By voidinsurancehelp 5th Jan 18, 4:01 AM
    • 2Posts
    • 0Thanks
    voidinsurancehelp
    Voided car insurance please help
    • #1
    • 5th Jan 18, 4:01 AM
    Voided car insurance please help 5th Jan 18 at 4:01 AM
    Hi,

    I got a custodial sentence of 40 months in 2009 which was not for a driving offense, My sentence expired in 2013 i then took out car insurance which asked if i had any unspent convictions which i replied no as my conviction was spent,

    around a year and a half later my insurance contacted me and said I had not disclosed the correct information they asked if i had been in prison i said yes told them the truth they then went and looked into my previous insurance searches to see if i was just trying to fraud them which i wasn't,

    They came back with they were voiding my policy but giving me back all my premium for the full time i was a customer as it was an INNOCENT NON-DISCLOSURE. Do i need to declare this as i am now struggling to get car, bike, house insurance or is there anyway to get this removed from my record???

    PLEASE ANY ADVICE WOULD BE GREATLY APPRECIATED
Page 1
    • BoGoF
    • By BoGoF 5th Jan 18, 5:56 AM
    • 3,200 Posts
    • 2,516 Thanks
    BoGoF
    • #2
    • 5th Jan 18, 5:56 AM
    • #2
    • 5th Jan 18, 5:56 AM
    Your conviction wasn't spent though so you did not answer the question accurately. Did you do any searching to find out what 'spent' actually meant.
    • voidinsurancehelp
    • By voidinsurancehelp 5th Jan 18, 8:07 AM
    • 2 Posts
    • 0 Thanks
    voidinsurancehelp
    • #3
    • 5th Jan 18, 8:07 AM
    • #3
    • 5th Jan 18, 8:07 AM
    I didn!!!8217;t know I thought I had served my time so conviction was spent. They gave me my money back and said it was an innocent non disclosure. Doesn!!!8217;t that mean anything?
    • paddyandstumpy
    • By paddyandstumpy 5th Jan 18, 8:21 AM
    • 1,056 Posts
    • 516 Thanks
    paddyandstumpy
    • #4
    • 5th Jan 18, 8:21 AM
    • #4
    • 5th Jan 18, 8:21 AM
    It means they believed you when you said you thought it was spent.

    But, fact of the matter is you have an unspent conviction (40 month custodial sentence is only spent after 7 years as per this guide: https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/299916/rehabilitation-of-offenders-guidance.pdf)

    You need to declare this sentance until it is spent.

    You also need to now declare the voidance.
    • Quentin
    • By Quentin 5th Jan 18, 8:31 AM
    • 35,814 Posts
    • 20,063 Thanks
    Quentin
    • #5
    • 5th Jan 18, 8:31 AM
    • #5
    • 5th Jan 18, 8:31 AM
    I didnít know I thought I had served my time so conviction was spent. They gave me my money back and said it was an innocent non disclosure. Doesnít that mean anything?
    Originally posted by voidinsurancehelp
    Although it means they don't intend to take the issue further (is no fraud proceedings against you) you must disclose this voidance to other insurers.

    Otherwise the same thing will happen (this will be recorded on a shared database), though it wouldn't be considered innocent non disclosure.

    As online off the peg insurers generally won't quote with this in your history you could try a local broker (not Swinton) to see if they can get cover for you
    • Reardoa
    • By Reardoa 5th Jan 18, 9:28 AM
    • 96 Posts
    • 26 Thanks
    Reardoa
    • #6
    • 5th Jan 18, 9:28 AM
    • #6
    • 5th Jan 18, 9:28 AM
    Innocent or not it is non-disclosure as your conviction wasn't spent. Unfortunately it cannot be removed and you will need a broker probably to source a specialist who will take on a risk where you have had a voided policy. Be prepared for a hike in premium too.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

381Posts Today

4,414Users online

Martin's Twitter
  • We all knew we'd win in the end. Never in doubt! ....walks away whistling

  • Yeeesss. Phew. Wow. Uh. Oy yoy yoy

  • It's interesting that 80% of the crowd are young women... According to the close ups we keep seeing anyway.

  • Follow Martin