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Vehicle Insurance

JASB — Fri, 24 May 2024 14:01:57 GMT

Hi
I am currently looking to renew my campervan insurance but this year I do not have to disclose as my conviction is now spent.:), and so look elsewhere that those I have previously declared to.

That all sounds great but I am finding many firms have changed the question they ask about criminal offences!

Previously I was asked if I had any "unspent convictions" then the nature of the offence if yes, but I am finding now that they have removed the word "unspent"!. Then if you reply yes, they ask "what was the offence" and then if "spent or unspent".

My understanding is that to the first question I can say "NO" as it is spent but I am going to seek advice.

Anyone else found this?

RE: Vehicle Insurance

JASB — Fri, 24 May 2024 14:01:57 GMT

[quote]

[b]AB2014 - 23 May 24 8:59 AM[/b]

[quote]

[b]JASB - 22 May 24 4:29 PM[/b]

[quote]

[b]punter99 - 22 May 24 3:25 PM[/b]

[quote]

[b]JASB - 22 May 24 11:03 AM[/b]

[quote]

[b]punter99 - 20 May 24 10:11 AM[/b]

[quote]

[b]AB2014 - 20 May 24 9:03 AM[/b]

[quote]

[b]punter99 - 18 May 24 10:00 AM[/b]

[quote]

[b]JASB - 18 May 24 9:22 AM[/b]

[/quote]

I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions.

[/quote]

The situation across the UK is that only unspent convictions are relevant to insurance. Once your convictions are spent, you don't have to disclose them, however the question is asked. Don't take my word for it: Unlock and the Association of British Insurers (page 4) told me.

[/quote]

But if they only ask about motoring convictions, then you don't have to declare any other convictions, spent or unspent.

[/quote]

no they state criminal :(

[/quote]

Have you tried Privilige. they don't ask about non motoring offences. Same for Churchill and Admiral I believe

[/quote]

Hi
Churchill and Admiral both asked but thanks.
I havent tried privilige but will look.
take care

[/quote]

Direct Line is the other insurer on Unlock's list.

[/quote]

Hi Thank you but again I was asked. Ive gone for one I found to be best overal; and on the advice of Unlock -Rehabilation Act _ said "NO" as my convictions are now spent.

Again thanks for replies.

RE: Vehicle Insurance

AB2014 — Thu, 23 May 2024 08:59:43 GMT

[quote]

[b]JASB - 22 May 24 4:29 PM[/b]

[quote]

[b]punter99 - 22 May 24 3:25 PM[/b]

[quote]

[b]JASB - 22 May 24 11:03 AM[/b]

[quote]

[b]punter99 - 20 May 24 10:11 AM[/b]

[quote]

[b]AB2014 - 20 May 24 9:03 AM[/b]

[quote]

[b]punter99 - 18 May 24 10:00 AM[/b]

[quote]

[b]JASB - 18 May 24 9:22 AM[/b]

[/quote]

I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions.

[/quote]

But if they only ask about motoring convictions, then you don't have to declare any other convictions, spent or unspent.

[/quote]

no they state criminal :(

[/quote]

Have you tried Privilige. they don't ask about non motoring offences. Same for Churchill and Admiral I believe

[/quote]

Hi
Churchill and Admiral both asked but thanks.
I havent tried privilige but will look.
take care

[/quote]

Direct Line is the other insurer on Unlock's list.

RE: Vehicle Insurance

JASB — Wed, 22 May 2024 16:29:49 GMT

[quote]

[b]punter99 - 22 May 24 3:25 PM[/b]

[quote]

[b]JASB - 22 May 24 11:03 AM[/b]

[quote]

[b]punter99 - 20 May 24 10:11 AM[/b]

[quote]

[b]AB2014 - 20 May 24 9:03 AM[/b]

[quote]

[b]punter99 - 18 May 24 10:00 AM[/b]

[quote]

[b]JASB - 18 May 24 9:22 AM[/b]

[/quote]

I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions.

[/quote]

But if they only ask about motoring convictions, then you don't have to declare any other convictions, spent or unspent.

[/quote]

no they state criminal :(

[/quote]

Have you tried Privilige. they don't ask about non motoring offences. Same for Churchill and Admiral I believe

[/quote]

Hi
Churchill and Admiral both asked but thanks.
I havent tried privilige but will look.
take care

RE: Vehicle Insurance

punter99 — Wed, 22 May 2024 15:25:39 GMT

[quote]

[b]JASB - 22 May 24 11:03 AM[/b]

[quote]

[b]punter99 - 20 May 24 10:11 AM[/b]

[quote]

[b]AB2014 - 20 May 24 9:03 AM[/b]

[quote]

[b]punter99 - 18 May 24 10:00 AM[/b]

[quote]

[b]JASB - 18 May 24 9:22 AM[/b]

[/quote]

I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions.

[/quote]

But if they only ask about motoring convictions, then you don't have to declare any other convictions, spent or unspent.

[/quote]

no they state criminal :(

[/quote]

Have you tried Privilige. they don't ask about non motoring offences. Same for Churchill and Admiral I believe

RE: Vehicle Insurance

JASB — Wed, 22 May 2024 11:03:18 GMT

[quote]

[b]punter99 - 20 May 24 10:11 AM[/b]

[quote]

[b]AB2014 - 20 May 24 9:03 AM[/b]

[quote]

[b]punter99 - 18 May 24 10:00 AM[/b]

[quote]

[b]JASB - 18 May 24 9:22 AM[/b]

[/quote]

I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions.

[/quote]

But if they only ask about motoring convictions, then you don't have to declare any other convictions, spent or unspent.

[/quote]

no they state criminal :(

RE: Vehicle Insurance

JASB — Wed, 22 May 2024 11:02:29 GMT

[quote]

[b]punter99 - 18 May 24 10:00 AM[/b]

[quote]

[b]JASB - 18 May 24 9:22 AM[/b]

[/quote]

I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions.

[/quote]

Hi

I have tried various companies but as mine are spent I say no as per the act.

To me its just another way business is trying to get around certain things.

RE: Vehicle Insurance

AB2014 — Mon, 20 May 2024 10:31:22 GMT

[quote]

[b]punter99 - 20 May 24 10:11 AM[/b]

[quote]

[b]AB2014 - 20 May 24 9:03 AM[/b]

[quote]

[b]punter99 - 18 May 24 10:00 AM[/b]

[quote]

[b]JASB - 18 May 24 9:22 AM[/b]

[/quote]

I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions.

[/quote]

But if they only ask about motoring convictions, then you don't have to declare any other convictions, spent or unspent.

[/quote]

Yes. Only answer the questions you are asked (but check the policy documents, in case they are making assumptions about criminal record information).

RE: Vehicle Insurance

punter99 — Mon, 20 May 2024 10:11:16 GMT

[quote]

[b]AB2014 - 20 May 24 9:03 AM[/b]

[quote]

[b]punter99 - 18 May 24 10:00 AM[/b]

[quote]

[b]JASB - 18 May 24 9:22 AM[/b]

[/quote]

I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions.

[/quote]

But if they only ask about motoring convictions, then you don't have to declare any other convictions, spent or unspent.

RE: Vehicle Insurance

AB2014 — Mon, 20 May 2024 09:03:34 GMT

[quote]

[b]punter99 - 18 May 24 10:00 AM[/b]

[quote]

[b]JASB - 18 May 24 9:22 AM[/b]

[/quote]

I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions.

[/quote]

RE: Vehicle Insurance

punter99 — Sat, 18 May 2024 10:00:19 GMT

[quote]

[b]JASB - 18 May 24 9:22 AM[/b]

[/quote]

I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions.