Declaring Convictions Car Insurance

[dmbhunt]

My friend's partner was jailed for 11 years for sex offences now about to come out after 6 yrs. his conviction will never be considered spent. He appealed and lost but in the hope he would win she kept him on the car insurance but as he was incarcerated did not declare the conviction, as there was no chance he would be driving. She should have done now she is in a state, he has to give car reg to Police, so they may check, if she declares conviction now will they backdate premium, void the policy, if she does not declare and he is stopped by Police could he be driving without insurance in that the insurer would have declined to insure him had they known. What a minefield. He wants not to declare, she worries that he will be recalled was he us on licence til late 2018

[shoota]

Surely they only ask for motoring convictions to be declared don't they?

[dannyk13]

Contact your insurance company, explain everything and throw yourself on their mercy

[shoota]

Ah, sorry, apparently you do have to declare all convictions.

[shoota]

//In April 2013 the law relating to the disclosure of criminal convictions changed, meaning that your insurance company has to ask the necessary questions to work out if they can provide insurance for you.

If you’re not asked directly but you think you have a conviction that should be declared, it would be best practice to read the terms and conditions and/or speak to your insurer about it.

Following the April 2013 law change, convictions considered spent under the Rehabilitation of Offenders Act 1974 no longer need to be disclosed.Car

This means that such convictions can effectively be ignored after a certain amount of time, making it easier for people with a conviction to buy car insurance.

However, this change in law doesn't apply to persons whose conviction resulted in a prison sentence of more than four years. //

http://www.gocompare.com/car-insurance/cover-for-drivers-with-a-criminal-conviction/