Hi Guys,

Are the guidelines as set out in the below link a recognised document by the insurance companies providing policy within the UK? it has always been my assumption that an Unspent Conviction needs to be declared whether you are asked for it or not. this document suggests otherwise.

https://www.unlock.org.uk/userfiles/file/unlockinginsurance/UNLOCKInsuranceGuideDetailed.pdf

Am I now correct in assuming that unless specifically asked that anyone with an unspent conviction no longer has to declare it, unless specifically asked?

Also, am I right in assuming that if i answer no to "have you or anyone named had any criminal convictions in the last 5 years" and the assumptions page does not specifically mention Unspent convictions then the policy should be upheld, leading to valid insurance?

The reason, i ask is that i have always been told that unspent convictions need to be declared whether asked or not and this seems quite a big turn around. i don't want to get caught out with this, if a claim was ever to be made.

Thanks,