Not a specific case, but just wondering what people think about whether it is fair that people with completely irrelevant and/or minor convictions should have to pay more for their car insurance. Car insurance: Criminal Record, CCJ or Bankruptcy. So, always be honest: declare all driving offences committed in the past five years, plus any criminal convictions not spent under the Rehabilitation of Offenders Act. A criminal conviction can be anything from a prison sentence to a fine for littering or a speeding conviction – all types of offence count, however minor. Save up to £280 on your car insurance with Moneysupermarket. Knowing whether or not you should declare convictions to an insurer can cause some confusion, so let’s dive right in and give this topic some clarity. Learn how to cut the cost of car insurance after a driving ban with our informative guide, and compare car insurance quotes from specialist providers. Finding insurance with a criminal conviction is never guaranteed, however on a case by case basis we will do our best to assist. Car insurance companies that don’t ask about criminal convictions. The premium you pay for car insurance is based on a calculation of various risk factors. The car insurance company will not deny you coverage just because you have a criminal conviction on your record unrelated to driving. You may even struggle to get car insurance with points on your licence or certain non-motoring convictions, as some companies will not provide it for you. Criminal Convictions Insurance. Even if asked, you do not have to disclose any convictions that are spent. Always pay for your car insurance … Not paying in one go. × Only unspent convictions matter. But that doesn't mean that if you have some, you’re out of options. If you are not sure whether your convictions are spent, please see here for further advice or contact us on 0300 123 1999 or helpline@nacro.org.uk . If you’re struggling, Adrian Flux specialises in insurance cover for convicted drivers and can offer you a personalised quote. If your convictions are for the following: Fraud, Theft, Dishonest, Arson, Malicious Damage then based on our experience, your chances of getting insurance are unlikely. Even if declaring criminal convictions for car insurance raises rates, you can still find affordable coverage when you comparison shop online. If you don't declare the convictions and are involved in an accident then your insurance will be null and void and you will end up having to pay ALL costs. The same may be true if you have criminal convictions. Also due to our pathetic and dreadully flawed criminal justice system, there are … Whether you have received a small fine or a custodial sentence, if you have convictions that are not spent under The Rehabilitation of offenders Act 1974 then your existing insurance is likely to be invalid. We don't compare policies from any companies that don't ask drivers to declare their criminal convictions. If your convictions are spent under the Rehabilitation of Offenders Act, you will not need to declare them to insurance providers regardless of the questions you may be asked. You should not be allowed on the roads - however as you are then your insurance should be high. You are what is known as High Risk. Car insurance companies look at driving records to determine rates, and drivers who have a DUI or other criminal charges on their record will have more expensive car insurance rates. Why do insurers ask about convictions? Best you learn how to use the bus methinks.a
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