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JASB
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Group: Awaiting Activation
Posts: 1.1K,
Visits: 1.7K
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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?
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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punter99
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Group: Forum Members
Posts: 769,
Visits: 5.7K
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+xHi 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? I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions.
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AB2014
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Group: Forum Members
Posts: 1.1K,
Visits: 7.4K
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+x+xHi 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? I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions. 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.
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If you are to punish a man retributively you must injure him. If you are to reform him you must improve him. And men are not improved by injuries. (George Bernard Shaw)
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punter99
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Group: Forum Members
Posts: 769,
Visits: 5.7K
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+x+x+xHi 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? I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions. 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. But if they only ask about motoring convictions, then you don't have to declare any other convictions, spent or unspent.
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AB2014
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Group: Forum Members
Posts: 1.1K,
Visits: 7.4K
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+x+x+x+xHi 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? I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions. 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. But if they only ask about motoring convictions, then you don't have to declare any other convictions, spent or unspent. Yes. Only answer the questions you are asked (but check the policy documents, in case they are making assumptions about criminal record information).
=========================================================================================================
If you are to punish a man retributively you must injure him. If you are to reform him you must improve him. And men are not improved by injuries. (George Bernard Shaw)
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JASB
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Group: Awaiting Activation
Posts: 1.1K,
Visits: 1.7K
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+x+xHi 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? I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions. 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.
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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JASB
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Group: Awaiting Activation
Posts: 1.1K,
Visits: 1.7K
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+x+x+x+xHi 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? I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions. 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. But if they only ask about motoring convictions, then you don't have to declare any other convictions, spent or unspent. no they state criminal 
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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punter99
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Group: Forum Members
Posts: 769,
Visits: 5.7K
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+x+x+x+x+xHi 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? I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions. 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. But if they only ask about motoring convictions, then you don't have to declare any other convictions, spent or unspent. no they state criminal Have you tried Privilige. they don't ask about non motoring offences. Same for Churchill and Admiral I believe
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JASB
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Group: Awaiting Activation
Posts: 1.1K,
Visits: 1.7K
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+x+x+x+x+x+xHi 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? I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions. 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. But if they only ask about motoring convictions, then you don't have to declare any other convictions, spent or unspent. no they state criminal Have you tried Privilige. they don't ask about non motoring offences. Same for Churchill and Admiral I believe Hi Churchill and Admiral both asked but thanks. I havent tried privilige but will look. take care
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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AB2014
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Group: Forum Members
Posts: 1.1K,
Visits: 7.4K
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+x+x+x+x+x+x+xHi 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? I hadn't noticed. Are you using a particular company? I know that some e.g. Churchill, Privelige, only ask about motoring convictions. 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. But if they only ask about motoring convictions, then you don't have to declare any other convictions, spent or unspent. no they state criminal Have you tried Privilige. they don't ask about non motoring offences. Same for Churchill and Admiral I believe Hi Churchill and Admiral both asked but thanks. I havent tried privilige but will look. take care Direct Line is the other insurer on Unlock's list.
=========================================================================================================
If you are to punish a man retributively you must injure him. If you are to reform him you must improve him. And men are not improved by injuries. (George Bernard Shaw)
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