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JASB
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Group: Awaiting Activation
Posts: 1.1K,
Visits: 1.7K
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+xCar / van insurance and getting it right is causing me issues. Currently have both insured through a specialist broker, all good, except of course it is about 200% more expensive than what most folk pay. I tried Churchill, asked using their "chat" if they needed to know about unspent criminal convictions and they said "no we do not need to know" - So with a huge smile on my face and a spring in my step I did online quote, car first : no problem at all, no questions about criminal records and nothing in the assumptions or policy document linked to online, saving us best part of £275.00 Fast forward to Van quote - this is not directly with Churchill all be it you are on their site and it does ask about criminal convictions, so having selected "yes" it then redirects you to their third party providers site and says "you will not be asked for anymore details" ... then bosh, quotes £1,600 for the year ! ... main stream insurers are £400 - £500 Now with tail firmly between legs I found this forum / website, and from what I read LV are a possibility. They do insure vans but the policy docs look identical to their car policy docs. Online quote done for car and van .... only asks about financial convictions, nothing in assumptions about other criminal convictions, nothing in policy book, I rang them to confirm, the line was very poor and I assume working from home ... the guy said they do not need to know about any criminal convictions other than financial or fraud related So this seemed a perfect solution for me, saving about £650 on the two policies, but why do I just have doubt in my mind, why can I not just go for it. I'm usually a decisive person, but I just still have this nagging doubt that I missed something or it will go wrong. I know rules are rules, and a 7 year term can never be spent. I have 37 claim free years on all insurances since my release, full time employment all that time, married 35 years, two grown up children, 7 grandchildren, I'd of thought a pretty attractive proposition to any insurance provider - but I'm not, and it hurts. Hi Chang, I am also on the SOR. I used SIS for a couple of years accepting higher costs. However after 4 years I some companies were changing their polices as so cheaper. This year I have bought a VW T5 to convert to a campervan and SIS do not touch them. After much searching and asking the dreaded question BEFORE I gave my details I find LV were only concerned with "financial" offences and have gone with them. The insurance was cheaper than either my TT or Z4  however I am now trying to get the DVLA to accept the change of class from van to campervan to lower road tax. Problem is there are to many "white van businesses" who have messed the system up by putting windows in the back and claiming there are not work vehicles. Dam criminals Hope this helps.
Society suggests I must let go of all my expectations but I disagree, as whilst I have a voice, I have hope.
Learn from yesterday, live for today, hope is for tomorrow else what is left if you remove a mans hope.
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This forum supports these words, thank you Unlock and your contributors.
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chang
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Group: Forum Members
Posts: 2,
Visits: 13
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Car / van insurance and getting it right is causing me issues.
Currently have both insured through a specialist broker, all good, except of course it is about 200% more expensive than what most folk pay.
I tried Churchill, asked using their "chat" if they needed to know about unspent criminal convictions and they said "no we do not need to know" - So with a huge smile on my face and a spring in my step I did online quote, car first : no problem at all, no questions about criminal records and nothing in the assumptions or policy document linked to online, saving us best part of £275.00
Fast forward to Van quote - this is not directly with Churchill all be it you are on their site and it does ask about criminal convictions, so having selected "yes" it then redirects you to their third party providers site and says "you will not be asked for anymore details" ... then bosh, quotes £1,600 for the year ! ... main stream insurers are £400 - £500
Now with tail firmly between legs I found this forum / website, and from what I read LV are a possibility. They do insure vans but the policy docs look identical to their car policy docs.
Online quote done for car and van .... only asks about financial convictions, nothing in assumptions about other criminal convictions, nothing in policy book, I rang them to confirm, the line was very poor and I assume working from home ... the guy said they do not need to know about any criminal convictions other than financial or fraud related
So this seemed a perfect solution for me, saving about £650 on the two policies, but why do I just have doubt in my mind, why can I not just go for it. I'm usually a decisive person, but I just still have this nagging doubt that I missed something or it will go wrong.
I know rules are rules, and a 7 year term can never be spent. I have 37 claim free years on all insurances since my release, full time employment all that time, married 35 years, two grown up children, 7 grandchildren, I'd of thought a pretty attractive proposition to any insurance provider - but I'm not, and it hurts.
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Simon1983
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Group: Forum Members
Posts: 202,
Visits: 6.4K
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Morning Rufus There has been some good feed back on the links from unlocks hub on insurance so take a look at them https://hub.unlock.org.uk/knowledgebase/list-insurance-brokers/All the best
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Rufus
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Group: Forum Members
Posts: 14,
Visits: 43
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I am looking for insurance info - well ahead of time as I dont get my license back for 6 months but I have 2 disqualifications and a criminal conviction - because of the drag through rules my criminal conviction that would be spent in 1 year now lasts 5 years due to the disqualification.
Anybody got any experience with companies that wont have my eyes out, so I can try for a quote.
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JASB
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Group: Awaiting Activation
Posts: 1.1K,
Visits: 1.7K
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+x+xHi Just as an update to this post which I hope will be of use to all. I have been looking for insurance for a van that is to be converted to a campervan, nightmare... After being rejected etc by many or quoted extortionate charges by others I phoned LV. The process I followed was first; due to legal bits on converting a van made sure they would cover the van being modified. Then prior to giving my personal details I asked about unspent convictions, and if provided insurance to EX SO's. To my surprise I was informed that with vehicle insurance they will only reject those with "financial" convictions so EX SO's where not required to declare. Also the quote cost was a lot lower than some that required a declaration. As a footnote if I asked for home insurance the question would be asked and so a declaration would be required and informed they would reject offering a quote. Hopefully this will be helpful to others and keep safe. That's good to hear that a company didn't use your record as an opportunity to charge more. Personally my car insurance quotes are around £300 per year more with my conviction related to internet trolling I have read a lot of stories about car insurance which don't make any sense or seem very unfair. As it is mandatory I'm surprised that the government hasn't overhauled the whole system to allow it to be fairer, but still allow statistics to play a part in their quotes Hi Yes it is good news. By approaching brokers and asking other insurance businesses I do feel you can see the hidden cost of an offence in this scenario. I hope my process helps others to gain the confidence to approach other firms rather than stick with the "default" who advertise as being supportive and forgiving but in reality see it as a good business market. Insurance firms; like oil companies, pay a lot of tax to the government! Supporting ex-Offenders is not a vote winner. Why change the system lol. Take care and good luck.
Society suggests I must let go of all my expectations but I disagree, as whilst I have a voice, I have hope.
Learn from yesterday, live for today, hope is for tomorrow else what is left if you remove a mans hope.
------------------------------
This forum supports these words, thank you Unlock and your contributors.
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Alan Watts
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Group: Forum Members
Posts: 44,
Visits: 271
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+xHi Just as an update to this post which I hope will be of use to all. I have been looking for insurance for a van that is to be converted to a campervan, nightmare... After being rejected etc by many or quoted extortionate charges by others I phoned LV. The process I followed was first; due to legal bits on converting a van made sure they would cover the van being modified. Then prior to giving my personal details I asked about unspent convictions, and if provided insurance to EX SO's. To my surprise I was informed that with vehicle insurance they will only reject those with "financial" convictions so EX SO's where not required to declare. Also the quote cost was a lot lower than some that required a declaration. As a footnote if I asked for home insurance the question would be asked and so a declaration would be required and informed they would reject offering a quote. Hopefully this will be helpful to others and keep safe. That's good to hear that a company didn't use your record as an opportunity to charge more. Personally my car insurance quotes are around £300 per year more with my conviction related to internet trolling I have read a lot of stories about car insurance which don't make any sense or seem very unfair. As it is mandatory I'm surprised that the government hasn't overhauled the whole system to allow it to be fairer, but still allow statistics to play a part in their quotes
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JASB
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Group: Awaiting Activation
Posts: 1.1K,
Visits: 1.7K
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Hi Just as an update to this post which I hope will be of use to all. I have been looking for insurance for a van that is to be converted to a campervan, nightmare... After being rejected etc by many or quoted extortionate charges by others I phoned LV. The process I followed was first; due to legal bits on converting a van made sure they would cover the van being modified. Then prior to giving my personal details I asked about unspent convictions, and if provided insurance to EX SO's. To my surprise I was informed that with vehicle insurance they will only reject those with "financial" convictions so EX SO's where not required to declare. Also the quote cost was a lot lower than some that required a declaration. As a footnote if I asked for home insurance the question would be asked and so a declaration would be required and informed they would reject offering a quote. Hopefully this will be helpful to others and keep safe.
Society suggests I must let go of all my expectations but I disagree, as whilst I have a voice, I have hope.
Learn from yesterday, live for today, hope is for tomorrow else what is left if you remove a mans hope.
------------------------------
This forum supports these words, thank you Unlock and your contributors.
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Yankee
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Group: Forum Members
Posts: 232,
Visits: 994
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+x+x+x+xHi what experience have people had when applying for car insurance quotes whilst having a non-motoring conviction against their name? My current insurer is unable to offer me a quote this year so the race is on to find a decent price before the 1st November. Another insure is Direct Line, they do not ask the question at all and offer good rates. All the insurers share information so its best to not enter your personal details in relation to a conviction as once one knows the industry knows. Even if you have to pay a slightly higher rate for a few years until your conviction becomes spent its worth doing so to not have to declare and so let the industry know that you have convictions. There are a few motor insurers who are only interested in motoring convictions. So, if your convictions are for non-motoring offences, you can use one of them. Unlock has a list of them here. Direct Line is one of them. I'm with Direct Line, and just had my renewal which beside each drivers name states "No convictions, endorsements, fixed penalties or disqualifications including points in the last 5 years". I'd hope they were only interested in motoring convictions, but I think it's broader than that. Indeed in the policy booklet last year it only stated "motoring convictions". I'd rather not disclose any information, so may check out other insurance providers listed on the Unlock site. Curious if anyone has has any luck with Direct Line recently? I switched to Direct Line last year and was only asked on the proposal form about motoring convictions. I've just checked my policy documents and it has the same wording as you against myself as the main driver 'no convictions, endorsements,....' it then lists my SP30 speeding ticket. This should all be OK - it would be pretty clear to a court of law or the insurance ombudsman that as the proposal only asked about motoring convictions these notes on the confirmation statement must do likewise. I've checked the fine print and cannot find any mention anywhere else about non-motoring convictions.
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Hola
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Group: Forum Members
Posts: 78,
Visits: 2.7K
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+x+x+x+xHi what experience have people had when applying for car insurance quotes whilst having a non-motoring conviction against their name? My current insurer is unable to offer me a quote this year so the race is on to find a decent price before the 1st November. Another insure is Direct Line, they do not ask the question at all and offer good rates. All the insurers share information so its best to not enter your personal details in relation to a conviction as once one knows the industry knows. Even if you have to pay a slightly higher rate for a few years until your conviction becomes spent its worth doing so to not have to declare and so let the industry know that you have convictions. There are a few motor insurers who are only interested in motoring convictions. So, if your convictions are for non-motoring offences, you can use one of them. Unlock has a list of them here. Direct Line is one of them. I'm with Direct Line, and just had my renewal which beside each drivers name states "No convictions, endorsements, fixed penalties or disqualifications including points in the last 5 years". I'd hope they were only interested in motoring convictions, but I think it's broader than that. Indeed in the policy booklet last year it only stated "motoring convictions". I'd rather not disclose any information, so may check out other insurance providers listed on the Unlock site. Curious if anyone has has any luck with Direct Line recently? Not recently but when orig convicted I just told DL and they said they were only interested in motoring convictions so I ws fine to go with them ( this was 6 yrs ago now )
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Zack
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Group: Forum Members
Posts: 59,
Visits: 4.6K
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+x+x+xHi what experience have people had when applying for car insurance quotes whilst having a non-motoring conviction against their name? My current insurer is unable to offer me a quote this year so the race is on to find a decent price before the 1st November. Another insure is Direct Line, they do not ask the question at all and offer good rates. All the insurers share information so its best to not enter your personal details in relation to a conviction as once one knows the industry knows. Even if you have to pay a slightly higher rate for a few years until your conviction becomes spent its worth doing so to not have to declare and so let the industry know that you have convictions. There are a few motor insurers who are only interested in motoring convictions. So, if your convictions are for non-motoring offences, you can use one of them. Unlock has a list of them here. Direct Line is one of them. I'm with Direct Line, and just had my renewal which beside each drivers name states "No convictions, endorsements, fixed penalties or disqualifications including points in the last 5 years". I'd hope they were only interested in motoring convictions, but I think it's broader than that. Indeed in the policy booklet last year it only stated "motoring convictions". I'd rather not disclose any information, so may check out other insurance providers listed on the Unlock site. Curious if anyone has has any luck with Direct Line recently?
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