Ok, this is something of a hypothetical question because thankfully it doesn't quite affect me, but would do if I were to make an effort regarding the insurance of the property I'm in & the management of the flats. And looks like yet again, I have to make up some excuses to not get involved & help people.

The first question is fine as asks if any proposer, director etc has convictions or criminal offences which are not spent under the Rehabilitation of Offenders Act - I could answer 'no' to this one. But the next question asks if the proposer has ever been refused or had an insurance cancelled. This did happen to me with small insurance policy as the company refused to insure me any more when i had an unspent conviction, so it was cancelled & I'll never use them again & will use the insurers who did still insure me.

So, bearing in mind I don't have to tell them of an unspent conviction directly, that seems to be contradicted by the fact that they would of course want to know why I was refused. Which in turn would mean other people in the management of the properties finding out & really it seems to defeat the whole point of a conviction being spent.

Any thoughts?