I Am Applying For Insurance For A Car. On The Form I Am Supposed To Declare Any Criminal Convictions?
Jan 22, 2009 by Uchimataman | Posted in Law & Ethics
About 5 or 6 yrs ago I was convicted of doing £50 of criminal price to a car after a road rage incident. I got a 2 yr conditional discharge and had to pay the othe car proprietress £50.
Do I have to declare this on my insurance application or is it spent? UK.
My entente of the legislation ( UK ) is that although the conviction is treated as a criminal record no actual penalty is imposed provided the evil-doer does not re offend within the period of the conditional discharge, the logic is in the phraseology .. nothing happens conditional upon you behaving yourself for, in this case 2 yrs. The max I think for any conditional emit to be imposed is one which lasts up to 3 yrs.
Community sentences are spent after 5 yrs.
Normally you do not have to show spent convictions to either an employer or to insurance companies.
It is worth asking your broker to for absolutely sure as insurance policies are a special type of contractural circumstances which depend upon absolute honesty between the parties but I am pretty sure I've got this instantly.
Your raise off phoning he insurance company and asking them direct !
They'll give you the most accurate answer !
Snakeman ! | Jan 22, 2009
Normally it says on any insurance app if you have any criminal convictions etc in the last 5 years. I would leave to see when the conviction was and if it is over 5 years then dont mention it.
johno | Jan 22, 2009
Impudent bastards - go with admiral they dont ask such things and are reasonably priced.
Driving offenses yes but what has whether or not you have burgled a seek or had a street fight got to do with car insurance? Just another way to get more money out of you
dofeboy2002 | Jan 22, 2009
If I were you, I would call up the insurance concern (or one like it) and give a fake name and ask them directly...
OR
Make a new email address with none of your true information and email a number of companies with the details of your situation.
"To whom it may affair,
I am applying for car insurance with your company and wanted to know how a conviction from 2002 for Criminal Injure to a Car with 2 years conditional discharge which resulted in a fine of $50.00 will colliding my ability to be approved for insurance through your company.
Other then that my driving record is clean (or whatever your essential situation is) and I live in the *Name the area you live in but don't give your address or street* and have a *2000 or whatever year your car is* car in dependable condition.
I would greatly appreciate any help you can provide.
Sincerely,
Me"
Anonymous | Jan 22, 2009
My estimation of the legislation ( UK ) is that although the conviction is treated as a criminal record no actual penalty is imposed provided the crook does not re offend within the period of the conditional discharge, the logic is in the phrasing .. nothing happens conditional upon you behaving yourself for, in this case 2 yrs. The max I think for any conditional disburdening to be imposed is one which lasts up to 3 yrs.
Community sentences are spent after 5 yrs.
Normally you do not have to squeak spent convictions to either an employer or to insurance companies.
It is worth asking your broker to pressure absolutely sure as insurance policies are a special type of contractural position which depend upon absolute honesty between the parties but I am pretty sure I've got this unhesitatingly.
on thin ice | Jan 22, 2009
Can An Insurance Company Ask If One Has Criminal Convictions?
Mar 16, 2007 by tom | Posted in Insurance
i HAVE MADE A Title ON MY HOUSHOLD INSURANCE FOR WATER DAMAGE. IS IT CORRECT THAT THE COMPANY BE ALLOWED TO ASK ME IF I HAVE ANY CRIMINAL CONVICTIONS. THIS IS THE FIRST CLAIM IN 10YRS.
They can ask whatever they stand in want. You can refuse to answer. However, criminal convictions are public record so if they really wanted to find out the retort, they could whether you tell them or not.
They can ask whatever they demand. You can refuse to answer. However, criminal convictions are public record so if they really wanted to find out the take, they could whether you tell them or not.
Faye H | Mar 16, 2007
yes they can ask! they can ask for lots of odd information!
DEBBIE A | Mar 16, 2007
Certainly, they can ask. And it's ALSO a question on the original application. Depending on the type of conviction, it could be grounds for rescinding of the policy, if you misrepresented it on the application. That would mean, the claim isn't covered.
mbrcatz17 | Mar 16, 2007
yes, they can ask. They asked when they bought the practice, and they can ask again. Besides, with the click of a mouse they can find out anyway.
If you have a criminal conviction, say for insurance fraud, and the insurance company finds out about it, it may be enough to rescind the practice (make it as though they never had written it in the first place). Other convictions may not be as important to the claim.
May as well explain them, voluntarily. They will look harder at you if you don't admit it and they find out on their own. How can they believe anything you say, if you lie about that?
MTR | Mar 16, 2007
Yes they can. The think rationally they ask when you make a claim is to ensure that they have all correct details on file and there are no non-disclosures (details that you failed to advertise them when you set up your policy).
The reason they ask this question is because it can involve a higher risk to them. For standard if you had a conviction for fraud, they are reluctant accept your application for policy due to possibilities of fraudulant claims being made.
The ways decided by the insurance company depends on the nature of the conviction and how much of a risk the insurance guests feel it imposes. If a serious conviction they could void your insurance policy ab initio (from the creation) in which case all your previous premiums would be refunded to you (after deducting any previous claims already made). If a inconsiderable conviction they may choose to ignore it or just make amendments to your principles. These amendments could be to increase policy excess, apply a premium loading, etc.
Insurance companies however do not have access to your criminal convictions as this would be a break of Date Protection. However if they have any concerns they can request that you provide them with a certificate of criminal convictions to show your criminal secretly. If you refuse to provide this, then they may again choose to cancel your policy.
* It is always best to stipulate your insurance with all info they require as although it may mean they do not accept you for insurance or your premiums increase, this is safer than making a large claim and then finding that due to a non-disclosure, your policy will be cancelled and declare will not go ahead leaving you with a large bill for the damages.
me | Mar 16, 2007
Can I Get Home And Contents Insurance With A Criminal Conviction?
Aug 17, 2009 by Lieth | Posted in Insurance
my collaborator and I have Just purchased our first home is any insurance company in australia going to give us dwelling-place and contents insurance when we both have criminal convictions.
As dream of as the convictions weren't for or are related to insurance fraud then you shouldn't have a problem.
As elongated as the convictions weren't for or are related to insurance fraud then you shouldn't have a problem.
Gambit | Aug 18, 2009
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My entente of the legislation ( UK ) is that although the conviction is treated as a criminal record no actual penalty is imposed provided the evil-doer does not re offend within the period of the conditional discharge, the logic is in the phraseology .. nothing happens conditional upon you behaving yourself for, in this case 2 yrs. The max I think for any conditional emit to be imposed is one which lasts up to 3 yrs.
Regardless of a widely shared conviction that major health care changes are needed, Representative bills that aim to extend coverage to the uninsured and hold down and more »