Legislation recently changed on the disclosure when purchasing commercial insurance.
Sorry, Caterpillar, but that is wrong. Commercial insurance remains unchanged and you are still required to disclose "all material facts" as before. An unspent conviction is considered a material fact, and must be disclosed whether asked for or not. The new legislation only applies to domestic insurance or rather, non business insurance.
Regardless of what Spiritus says, the new legislation is quite clear in how proposal forms for personal insurance need to be treated."The onus now sits squarely with the insurer to ask you the questions that they want to know information about. Instead of a duty to volunteer material facts"
Spent convictions do not have to be disclosed regardless of if they are asked for or not. Answering "No" to "Have you ever been convicted of a criminal offence" cannot be considered to be fraud in any circumstances.
The best way to confirm if a conviction is spent or not is to use Unlock's Disclosure Calculator
Who said life was going to be easy?
Post Edited (Mintaka) : 05/07/2013 22:21:06 (GMT+1)
Well, who said life was going to be easy?