how does car a non motoring offence effect car insurance

[steveo3002]

say if a freind was to pick up a minor non motoring conviction not going to jail , does it wreck your car insurance

we had a quick look on the comparison sits but they seem to say F.O when you tick the have a conviction box

[vikingaero]

Loads of general insurers will immediately refuse to quote if you have a non-motoring conviction. This is on the basis that you have been "proven to be dishonest" and may try to scam them.

[StottyEvo]

vikingaero said:

Loads of general insurers will immediately refuse to quote if you have a non-motoring conviction. This is on the basis that you have been "proven to be dishonest" and may try to scam them.

Seems harsh. Surely the only solution would be to prove them right and not disclose the conviction.

[GG89]

vikingaero said:

Loads of general insurers will immediately refuse to quote if you have a non-motoring conviction. This is on the basis that you have been "proven to be dishonest" and may try to scam them.

Wouldn't it be dishonest to not tell them?

How does having a conviction make you dishonest?

[vikingaero]

Insurers on comparison sites prefer vanilla customers with vanilla cars. If you have a conviction for fraud then you could try it again. If you have a conviction for GBH then you could be a greater liability behind the wheel.

[DrTre]

GG89 said:

How does having a conviction make you dishonest?

Umm...I...err...

(i get what you mean, but it's funny to read)

Edit: must admit, I didn't know any of this

Edited by DrTre on Monday 26th January 19:42

[shovelheadrob]

Your "friend" probably needs to have the conversation with the insurer rather than a computer (comparison sites not keyboard experts!) my "friend" had a conviction for possession of a smallish amount of cannabis, the insurer didn't see it as a problem but said if it was theft or fraud then that's a big no no. HTH

[GG89]

DrTre said:

GG89 said:

How does having a conviction make you dishonest?

Umm...I...err...

Umm..I..err?

Must be dependant upon the crime surely?

Edited by GG89 on Monday 26th January 19:46

[allergictocheese]

What did your friend do (I notice from another thread in SPL that he has community service)?

If it's an offence featuring dishonesty it perhaps be expected to affect insurance premiums and availability. It might be that he's best talking to insurers directly instead of comparison sites.

[steveo3002]

StottyEvo said:

Seems harsh. Surely the only solution would be to prove them right and not disclose the conviction.

i heard the u.s visa waiver thing refuses you if you admit to it , but if you dont they have no way of checking lol

maybe its the same

must be 1000s of folk with minor thing like littering or peeing in the street etc

p.s its not me involved just curious sinse someone i know has been in bother and it got me thinking

[Transiter]

GG89 said:

How does having a conviction make you dishonest?

I'd imagine someone convicted with say fraud might make you dishonest.

Although to be fair, how would they know? I'm assuming they don't have assess to police records so would need to do a paid background check. I've had accidents, although nothing ever serious, but never been asked to confirm if I had any convictions.

[steveo3002]

allergictocheese said:

What did your friend do (I notice from another thread in SPL that he has community service)?

If it's an offence featuring dishonesty it perhaps be expected to affect insurance premiums and availability. It might be that he's best talking to insurers directly instead of comparison sites.

he is abh ,but he doesnt drive, it just got me thinking would i ever be up poop creek if something happend , i never even though twice about it until this

[DrTre]

GG89 said:

Umm..I..err?

Must be dependant upon the crime surely?

Yeah, you're right; like I clarified, it just amused me when taken at face value. No offence implied or taken I hope.

I'm amazed it makes that much difference, it's not something I'd have ever thought of.

[GG89]

DrTre said:

GG89 said:

Umm..I..err?

Must be dependant upon the crime surely?

Yeah, you're right; like I clarified, it just amused me when taken at face value. No offence implied or taken I hope.

I'm amazed it makes that much difference, it's not something I'd have ever thought of.

Not at all chap

[The Turbonator]

steveo3002 said:

StottyEvo said:

Seems harsh. Surely the only solution would be to prove them right and not disclose the conviction.

i heard the u.s visa waiver thing refuses you if you admit to it , but if you dont they have no way of checking lol

maybe its the same

must be 1000s of folk with minor thing like littering or peeing in the street etc

p.s its not me involved just curious sinse someone i know has been in bother and it got me thinking

At least it doesn't say "any crimes involving moral turpitude" any more and instead specifies which crimes.

[HertsBiker]

How frustrating for those who have repaid to society, to be judged again and again. Once you've done your time, why can't it be put behind you? Surely the insurance companies being awkward means more chance of reoffending and or claims?

[moffat]

Insurer's don't do CRB's so this isn't really an issue.

They key things to them are:

1) Motoring offences - which they ask
2) Have you ever been refused insurance or had a policy cancelled - which they ask

[SteveSteveson]

HertsBiker said:

How frustrating for those who have repaid to society, to be judged again and again. Once you've done your time, why can't it be put behind you? Surely the insurance companies being awkward means more chance of reoffending and or claims?

Don't they ask about unspent convictions, IE those that are not yet considered to be fully repaid? I'm a great believer in the need for reform in the penal system, so I'm not saying it's right, but it is not unreasonable as it is.

[TankRizzo]

moffat said:

2) Have you ever been refused insurance or had a policy cancelled - which they ask

Interestingly, does this cover all insurance, not just motor?

I ask because I'm Type 1 diabetic and tried to get life insurance before but was declined for it because of my condition.

Would I have to disclose this to a potential motor insurer? Seems a little unfair if so...

[xRIEx]

TankRizzo said:

moffat said:

2) Have you ever been refused insurance or had a policy cancelled - which they ask

Interestingly, does this cover all insurance, not just motor?

I ask because I'm Type 1 diabetic and tried to get life insurance before but was declined for it because of my condition.

Would I have to disclose this to a potential motor insurer? Seems a little unfair if so...

Erm, shouldn't you be declaring that already? Is it insulin-controlled? If it's declarable to the DVLA it should be declared to insurers.

The wording is usually "insurance refused or cancelled", which is different to having a quote declined. Insurance is refused or cancelled if you've been naughty and messing about; a declined quote is an everyday thing and not an issue.

Insurers are looking for 'moral hazard', i.e. dodgy, untrustworthy people, so that applies to household, business, or any other type of insurance.