a simple guide to getting it right when buying insurance
The simple thing to remember here is, answer the question correctly. Don’t assume and decide for yourself whether something needs declaring or not -
Rehabilitation of Offenders Act Vs DVLA
The Rehabilitation of Offenders Act 1974 says motoring endorsements are declarable for 5 years since the changes in 2014, even though the DVLA say they can remove them after 4 years!!. Maybe these two Government Departments should talk to each other, but that aside, you must declare them. Some insurers will not rate on a conviction after 3 years, so as long as you’ve entered it, your premium will be calculated correctly.
How can I prove my Endorsements details when there is no longer a counterpart licence?
If you have a photocard licence, then you might be aware that since the 8th June 2015 the counterpart licence (the paper bit) became obsolete; so how can you prove a conviction is off your licence? Well, there are a couple of ways; you could get you broker or insurer to do a conference call with the DVLA whilst you’re on the phone to check your details, or you can share your licence via the Government portal https://www.gov.uk/view-
motoring endorsements are declarable for 5 years since the changes in 2014, even though the DVLA say they can remove them after 4 years!!
Nearly out of date claims or convictions are not out of date and you must include them or you could invalidate your policy
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