stopped by police who tried to stich me up

stopped by police who tried to stich me up

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Discussion

s2bounce

Original Poster:

125 posts

136 months

Thursday 16th April 2015
quotequote all
I got stopped by the police today for some bullsh*t reason, they checked everything out and everything was in order but they contacted my insurance company and gave them details of my convictions. My insurance called me and tried to cancel my policy for not informing them of the convictions, I explained that these were spent and I was not obliged to make them aware of this.

The insurers have given me 5 days to make further payment to them or they will void the policy.

Can the police call my insurer and give them the details of my spent convictions?.

I've also explained to my insurers that the convictions that the police must of told them about are spent and under ROA 1974 I do not have to inform them of these convictions they are now saying I have to prove this, before Loonr1 says im a claims manager I should know I work in the home insurance sector and all I do is manage a team leaders to ensure they are managing their team members.

rallycross

12,747 posts

236 months

Thursday 16th April 2015
quotequote all
Sounds odd
What did they tell your insurer that you have not told them?
Are these from more than 5 years ago ? Or more recent ?

anonymous-user

53 months

Thursday 16th April 2015
quotequote all
s2bounce said:
I explained that these were spent and I was not obliged to make them aware of this.

I am not an insurance expert or a legal expert, so this is just a stab in the dark from me:

In my mind it is irrelevant what the law says, it depends on the terms and conditions of the insurance company.

If they tell you to declare any convictions or claims from the last 10 years, then you have to give them the information they request if you wish to do business with them.
If you don't want to do that, then thats absolutely fine, just find another insurer that only wants to know the last 3 years or whatever.

But your contract is with the insurer and you have to provide them with whatever they ask, without lying to them, otherwise you have broken the agreement.

s2bounce

Original Poster:

125 posts

136 months

Thursday 16th April 2015
quotequote all
These convictions are when I was 17, and this is over 10 years ago

anonymous-user

53 months

Thursday 16th April 2015
quotequote all
s2bounce said:
These convictions are when I was 17, and this is over 10 years ago
And when you took out the policy, what details did the Insurance company ask for?

Did they ask if you had any convictions or claims for that period?

s2bounce

Original Poster:

125 posts

136 months

Thursday 16th April 2015
quotequote all
That's the exact wording

Have you had any convictions, driving bans or convictions, driving licence endorsements or fixed penalties in the last 5 years, including pending offences?

Roo

11,503 posts

206 months

Thursday 16th April 2015
quotequote all
To quote your attitude to this sort of thing from your other recent thread:

s2bounce said:
I don't have a clue and I ain't bothered either.

anonymous-user

53 months

Thursday 16th April 2015
quotequote all
s2bounce said:
That's the exact wording

Have you had any convictions, driving bans or convictions, driving licence endorsements or fixed penalties in the last 5 years, including pending offences?
In that case, what reasons did the insurance company give you when you told them that your claims/convictions were from over 10 years ago and therefore you didn't have to declare?

s2bounce

Original Poster:

125 posts

136 months

Thursday 16th April 2015
quotequote all
The reason I said that was because the guy took the car without permission and was speeding in someone else's car, had it been someone who was innocent then yes I would care and try to help if I could!

anonymous-user

53 months

Thursday 16th April 2015
quotequote all
So what does your policy document say about declaring convictions? If the conviction was for drink/drug driving then it stays on your licence for 11 years even though it's "spent" earlier than that so is that what you're talking about?

If you were less vague you'd get clearer answers.

stevensdrs

3,208 posts

199 months

Thursday 16th April 2015
quotequote all
Could this be an infringement of the data protection act or are the police exempt from this act. Bad form in any case and does the police no favours.

s2bounce

Original Poster:

125 posts

136 months

Thursday 16th April 2015
quotequote all
They said they were told about the convictions by the police but we're not given dates by the police so I have to prove these convictions are spent

Xtravia9

7 posts

121 months

Thursday 16th April 2015
quotequote all
Why not just give them the proof they are asking for?

Greendubber

13,129 posts

202 months

Thursday 16th April 2015
quotequote all
What was the 'bullst reason' you were stopped for out of interest?

anonymous-user

53 months

Thursday 16th April 2015
quotequote all
This doesn't make sense.

The insurer asks you to confirm any convictions/claims in the last 5 years.

You don't have any convictions/claims in the last 5 years so you say you have nothing to declare.

The insurance company then says you owe them money because of your previous convictions/claims that you didn't tell them about.


Is that correct?

s2bounce

Original Poster:

125 posts

136 months

Thursday 16th April 2015
quotequote all
The convictions were for gbh and I was given a fine and community service, all these were when I was under 17 years old now I'm 28

anonymous-user

53 months

Thursday 16th April 2015
quotequote all
Greendubber said:
What was the 'bullst reason' you were stopped for out of interest?
We've all been stopped for bullst reasons in the past.

I wouldn't hold that against anyone smile

supertouring

2,228 posts

232 months

Thursday 16th April 2015
quotequote all
Being a cock?

s2bounce

Original Poster:

125 posts

136 months

Thursday 16th April 2015
quotequote all
NinjaPower said:
This doesn't make sense.

The insurer asks you to confirm any convictions/claims in the last 5 years.

You don't have any convictions/claims in the last 5 years so you say you have nothing to declare.

The insurance company then says you owe them money because of your previous convictions/claims that you didn't tell them about.


Is that correct?
Yes it's like talking to a brick wall they won't listen so I'm waiting for the complaints department to call me next week after they have listened to the call with the police

s2bounce

Original Poster:

125 posts

136 months

Thursday 16th April 2015
quotequote all
Greendubber said:
What was the 'bullst reason' you were stopped for out of interest?
Not wearing my seat belt!