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Wed 6 Mar 2013 10:53

Any - Insurance - QuattroDriver

Quote from the MID motor insurance database on how to save money....

Spent convictions

Don't waste money by declaring motoring convictions that are 'spent' after a certain period of time. Under the Rehabilitation of Offenders Act 1974, you do not have to disclose your conviction to the insurer once the relevant period of time has passed e.g. speeding penalties 'expire' after four years.

If this is the true case then why do all insurance companies ask for Five Years of history surely that must illegal if by law you do not have to give this information under the 1974 rehabillitation act

Thoughts Please

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Wed 6 Mar 2013 11:14

Any - Insurance - Armitage Shanks {p}

SFAIK an insurance company can ask you any questions it likes and refuse you insurance if you don't answer them or don't answer them truthfully. The points go off you licence after 4 years but the "crime" is on file, somewhere. Perhaps find a copmpany that doesn't ask the 5 year question or try a broker

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Wed 6 Mar 2013 14:25

Any - Insurance - Dwight Van Driver

Does not RofOff Act mention in relation to fine 5 years which is no doubt what Ins Co work on.

dvd

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Thu 7 Mar 2013 08:11

Any - Insurance - dacouch

I've emailed MID as it's clearly wrong, the vast majority of convictions are spent after five years, although some need to be declared for longer due to a prison sentance and / or ban etc

www.nacro.org.uk/data/files/nacro-2005020105-194.p...f

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Thu 7 Mar 2013 09:44

Any - Insurance - RT

There are many aspects of life where convictions are never "spent" however long ago they were - try working with children or getting a US visa !!

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