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There are several ways you can find out more about your convictions and their rehabilitation periods: To slightly complicate matters, where the court imposes more than one sentence or penalty for the offence, the longest rehabilitation period determines when the conviction will become spent. Questions posed when applying for a policy are fairly routine. You might be asked about the convictions of everyone included on the policy. The Rehabilitation of Offenders Act 1974 sets out when criminal convictions become ‘spent’. Copyright © 2001-2021  |  CarInsuranceCompanies.com  |  113 Cherry Street, #37960 Seattle, Washington 98104-2205  |  Privacy Policy  |  Terms & Conditions  |  CCPA. Do I have to declare a spent conviction that is over 20 years old? A misdemeanor for misrepresentation may not be the end of the problems a driver faces. The policy could be deemed null and void due to an approval and rate set based on false information. I have been applying for car insurance for years and never declared this before. This might result in a criminal conviction, imprisonment, or at the very least, make it much harder to find insurance in future. Clearly, one would have to disclose the lack of a driver’s license and the reason for not having a driver’s license prior to requesting a new insurance policy. All companies ask if you have any criminal convictions. If you have made a claim, your insurer could ask you to repay all or part of the amount you were paid out. Yes, but only with your permission. Over time, this can lower the cost of insurance for honest drivers. SR-22 forms are common with high-risk insurance policies and not just limited to those who may have been convicted of a DUI. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. 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. A conviction that still has time to run is called an ‘unspent conviction”; once it has reached its expiry date it is a ‘spent conviction’. Certain insurance companies may choose to outright not insure someone who has been convicted of DUI, reckless driving, or use of a vehicle in the commission of a crime. Insurers might be concerned over such behavior carrying over into driving. 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. Advertiser Disclosure: We strive to help you make confident car insurance decisions. The persons may be required to purchase insurance from a high-risk provider, a very costly option. Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics. We strive to help you make confident car insurance decisions. Just because an insurance company offers a particular premium rate does not mean the potential customer has to accept it. More serious convictions, or a history of multiple convictions, may make your quote more expensive. When evaluating rates, please verify directly with your insurance company or agent. Compare car insurance quotes quickly and easily using our free rate tool! Unlock’s helpline regularly receives enquiries from people with convictions that are looking for insurance. However, it’s still your responsibility to check that your answers have been taken down correctly before you sign or submit the form. Comparison shopping should be easy. This shows them all details of motoring convictions or endorsements on your licence. Important Note: This is intended as general guidance only. .quote-new-360-mda .responsive-mda.mda, .quote-new-360-mda .responsive-mda.mda.home { Motorists frequently ask whether they need to disclose to their car insurance companies that they have received driver education as a result of speeding. .quote-new-360-mda .responsive-mda .mda-contents { margin: 0; } If you’re not asked about convictions, you don’t have to mention them, but this is very rare. The following convictions would be reflected in the reports: Not declaring criminal charges related to the conviction is not exactly going to hide what the various state Department of Motor Vehicles are presenting on their systems.

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