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insurance conviction rules
Mr Whippy - 20/7/09 at 07:26 AM

Hi

Just been asked this at work but I’m not even sure myself come to think of it. You know insurance company’s ask if you’ve had say an accident or conviction in the last 5 years, well is that the date of the conviction or is it when the conviction actually ends?

I think it’s the date of it, but then I might be wrong

cheers

matt_claydon - 20/7/09 at 07:35 AM

Date of conviction (or sometimes the actual offence) as recorded on your licence.

[Edited on 20/7/09 by matt_claydon]

blakep82 - 20/7/09 at 07:38 AM

if they ask if theres been any in the last 5 years, it must be date of the conviction, i would think. if they just asked for any current convictions, it would be the end date.

does seem strange that they wouldn't be interested in convictions that still apply, but were applied more than 5 years ago though, as the ones that run for more than 5 years are going to be the real bad ones lol

smart51 - 20/7/09 at 07:43 AM

I would assume the date of the conviction but now you've asked the question, I'm not sure. That's the date that the court passed judgement not the date of the crime. You've got to make that court hearing occur before your renewal date if you want the cheaper premium.

speedyxjs - 20/7/09 at 08:17 AM

Yep, its the date of conviction

Mr Whippy - 20/7/09 at 08:18 AM

ok cheers that clears that up then

thanks

nitram38 - 20/7/09 at 08:18 AM

If from a conviction, then from the date it is put on your license. If an accident, then from the date of the accident, not the date of settlement.

alistairolsen - 20/7/09 at 08:18 AM

This is an odd one, as I know someone who was banned for 5 years on a driving charge, and oddly when he goes to renew his insurance, he wont have to declare it!

eznfrank - 20/7/09 at 08:57 AM

quote:
Originally posted by alistairolsen
This is an odd one, as I know someone who was banned for 5 years on a driving charge, and oddly when he goes to renew his insurance, he wont have to declare it!


Don't they usually ask about bans seperately to convictions?

Mr Whippy - 20/7/09 at 10:28 AM

quote:
Originally posted by eznfrank
quote:
Originally posted by alistairolsen
This is an odd one, as I know someone who was banned for 5 years on a driving charge, and oddly when he goes to renew his insurance, he wont have to declare it!


Don't they usually ask about bans seperately to convictions?


One of my friends was banned for drink driving and he only had to tell them for 5 years

alistairolsen - 20/7/09 at 10:39 AM

yep, no claims or convictions in the last 5 years you just click no. if you click yes then they as about ban length, points, fine etc.

So basically hes done 5 years and then hes just a new driver with no history, no points, no NCD, nothing.

3 year ban and hed have been going to them saying "Ive been bad.."