a simple guide to getting it right when buying insurance

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Why does it matter whether you have “non-motoring convictions” on a motor insurance policy.  

As with any kind of insurance, the insurer is accepting a risk and they want to be sure that you are going to adhere to their terms and conditions.  As such, if you have a non-motoring conviction, they say you have broken a law before and therefore, you could be someone who doesn’t stick to rules - tarring everyone with the same brush right!  It seems that way, but it’s not discrimination, it’s all based on statistics, cold hard facts and they show that people who have had a criminal conviction costs an insurer more money in the event of a claim than those who haven’t.  

The insurer wants to be able to assess whether you pose a significant risk to them, so they will look at each case on it’s individual merits.  Depending on how severe the conviction was or what it was for can sway their decision (again it’s statistics based mostly, but there can be an element of moral high ground), so if you have a conviction for insurance fraud, well, you might struggle.  

A custodial sentence can also be something they are not willing to entertain.  However, there will always be an insurer who will cover you, it might just take a bit more shopping around and likely cost more.  Basically, you just need to be up front with them and advise what your conviction was for, the fine, when you got it and what the sentence was.

Check the Rehabilitation of Offenders Act to see whether your conviction is still declarable, as it could be spent.  More serious convictions where a custodial sentence of over 4 years never become spent.  So, if you have one of these, it is always going to be an issue. As I have already mentioned, there will be someone who will insure you, it’s just a case of finding them. Search online for “get motor insurance with criminal conviction” for further advice and hopefully details of insurers who can accommodate you.

What has a non-motoring conviction got to do with my insurance?

…there will be someone who will insure you, it’s just a case of finding them