stopped by police who tried to stich me up
Discussion
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.
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.
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 policeThe 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?
t reason' you were stopped for out of interest?NinjaPower said:
Now we are getting somewhere.
Many insurance companies will not insure anyone with a criminal conviction.
There are specialist insurers who will, but I suspect the price will be different.
http://www.gocompare.com/car-insurance/cover-for-d...
Under the ROAD 1974 I do not have to disclose spent convictionsMany insurance companies will not insure anyone with a criminal conviction.
There are specialist insurers who will, but I suspect the price will be different.
http://www.gocompare.com/car-insurance/cover-for-d...
Roo said:
Yep. And then probably completely failed the infamous attitude test.
He stopped me I pulled over straight away, he came over asked me switch my engine off which I did, I then asked why he had stopped me he said I was not wearing my seat belt when I pulled the belt to dhow him it was on he said I shouldn't of been driving fast! NinjaPower said:
I think you are missing the point.
If an insurer tells you they will not do business with you unless you declare these things, then you need to declare them.
If you do not wish to do so, then simply find another insurer with different terms and conditions that suit you better.
Caveat: hopefully someone who works in insurance can assist with this case.
They asked for convictions in the last 5 years and I have no convictions in the last 5 yearsIf an insurer tells you they will not do business with you unless you declare these things, then you need to declare them.
If you do not wish to do so, then simply find another insurer with different terms and conditions that suit you better.
Caveat: hopefully someone who works in insurance can assist with this case.
Roo said:
Some people are just monumentally unlucky when it comes to dealing with the police.
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
If you're not going to offer any help then do 1http://www.pistonheads.com/gassing/topic.asp?h=0&a...
btcc123 said:
To me this thread looks like the OP is not telling all the story.
I may be wrong but think that if the police want to check if you have insurance they check on a data base and do not ring the insurance company direct.For the police to tell them about convictions you have not told your insurance company about they would have to ring them and I cannot see the police doing that.
I have a motor trade policy and brought the car this morning it takes 24 hours sometimes for it show on the database but it was still showing as insured when I brought it from the previous ownerI may be wrong but think that if the police want to check if you have insurance they check on a data base and do not ring the insurance company direct.For the police to tell them about convictions you have not told your insurance company about they would have to ring them and I cannot see the police doing that.
PAULJ5555 said:
How have you got a trade policy? Did you say you worked in claims management - office work. Just wanted to know how you qualify as I was looking at getting one.
I'm not sure if can name the broker I've gone through but they are aware I have a full time job but they are I trade part time only.Just to update everyone, I have listened to the call between my insurer and the police officer, he first called to ask them if my vehicle was covered to which they confirmed it was, he then commented "this idiot has convictions are you aware" the advisor then replied we have not been informed of any convictions, the officer then gave him details of the convictions but did tell him they were spent, I'm guessing the advisor got excited when taking details of these convictions but failed to note they were spent, they have upheld my complaint and are checking to see if they can convert the file and give me a copy of the recording, now it gets interesting I only became aware of this after my insurers told me that a few minutes after the first call the same officer called and told them the exhaust on my car was modified but the car is standard apart windows tints.
I've asked for the second call but they can't find it at the moment but will get their IT department to see if they can access it.
Can I post the call on here when I get it?
I've asked for the second call but they can't find it at the moment but will get their IT department to see if they can access it.
Can I post the call on here when I get it?
carinaman said:
s2bounce, I'd find it useful to know how long it took them to get the recording of the call to you after you first requested it. Thanks.
I asked for the recording to be played to me whilst on the phone, (call centres can do this) they found it straight away, I made a mistake as I should of recorded the call myself oh well will just have to wait for a copy of the recording which they say could take up to 40 days!"Under the Rehabilitation of Offenders Act 1974 (ROA), ‘spent’ convictions do not have to be disclosed to insurers, irrespective of what questions are asked. However, depending on the sentence, convictions remain ‘unspent’ for many years (sometimes forever). The ROA is very complex, making it difficult for consumers (and insurers) to know what is protected by the Act. However, there are a number of ways to establish whether a conviction is spent."
Spent convictions do not need to be disclosed to your insurer even if they were to ask you to disclose them as the ROA 1974 would protect you
Spent convictions do not need to be disclosed to your insurer even if they were to ask you to disclose them as the ROA 1974 would protect you
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