Old SP30 insurance question
Discussion
Just got my docs through for my insurance renewal.
The 'proposal' or 'statement of insurance shows a question 'have you ever had a conviction......' whereas the meerkats etc ask about the last 5 years.
Is an SP30 from a while back automatically 'spent'?
Do I really need another 90 minutes on the telephone?
I'm at the point of thinking we need to record calls to brokers.
The 'proposal' or 'statement of insurance shows a question 'have you ever had a conviction......' whereas the meerkats etc ask about the last 5 years.
Is an SP30 from a while back automatically 'spent'?
Do I really need another 90 minutes on the telephone?
I'm at the point of thinking we need to record calls to brokers.
I think it's quite a complex area when dealing with when motoring convictions are "spent" with regard to the Rehabilitation of Offenders Act. It looks to me that an SP30 is spent after 5 years from the conviction date.
Then are insurance companies allowed to ask about spent convictions (have you ever been convicted of)? Are you allowed to not disclose spent convictions?
Looks like I haven't a clue
Then are insurance companies allowed to ask about spent convictions (have you ever been convicted of)? Are you allowed to not disclose spent convictions?
Looks like I haven't a clue
BertBert said:
I think it's quite a complex area when dealing with when motoring convictions are "spent" with regard to the Rehabilitation of Offenders Act. It looks to me that an SP30 is spent after 5 years from the conviction date.
Then are insurance companies allowed to ask about spent convictions (have you ever been convicted of)? Are you allowed to not disclose spent convictions?
Looks like I haven't a clue
I've found some wibble on the net suggesting the ombudsman insists that motoring offences are to be discarded after 5 years.Then are insurance companies allowed to ask about spent convictions (have you ever been convicted of)? Are you allowed to not disclose spent convictions?
Looks like I haven't a clue
Can't find it on the ombudsman's website though.
Why can't these <esteemed providers of insurance> keep things simple?
Is it a test to see if we read the stuff they send us?
Even if it's "spent" for the purpose of totting up, if insurers ask: "have you got points in the last 5 years?",
the question is clear, no?
Whether they "should " ask is moot - one can use another insurer if their terms don't agree with you
Whether people answer honestly is another question, as is what will happen if you get caught telling fibs in your insurance proposal documents.
the question is clear, no?
Whether they "should " ask is moot - one can use another insurer if their terms don't agree with you
Whether people answer honestly is another question, as is what will happen if you get caught telling fibs in your insurance proposal documents.
Ian Geary said:
Even if it's "spent" for the purpose of totting up, if insurers ask: "have you got points in the last 5 years?",
the question is clear, no?
Whether they "should " ask is moot - one can use another insurer if their terms don't agree with you
Whether people answer honestly is another question, as is what will happen if you get caught telling fibs in your insurance proposal documents.
The point is they asked (via compress the polecat) about offences in the last 5 years, and then gave me a statement which alleges that I'd told them I had no convictions, ever. They are in fact alleging that I've told them a lie which is easily proven to be a lie.the question is clear, no?
Whether they "should " ask is moot - one can use another insurer if their terms don't agree with you
Whether people answer honestly is another question, as is what will happen if you get caught telling fibs in your insurance proposal documents.
As well as being concerned that this untruth gives them a cop-out on my insurance I am properly annoyed about this.
It's not complicated.
If they really want to concern themselves with an SP30 8 years ago, they had every opportunity to ask the question when I was on the phone.
Do they think they are being clever by creating these doubts and uncertainties?
OutInTheShed said:
Ian Geary said:
Even if it's "spent" for the purpose of totting up, if insurers ask: "have you got points in the last 5 years?",
the question is clear, no?
Whether they "should " ask is moot - one can use another insurer if their terms don't agree with you
Whether people answer honestly is another question, as is what will happen if you get caught telling fibs in your insurance proposal documents.
The point is they asked (via compress the polecat) about offences in the last 5 years, and then gave me a statement which alleges that I'd told them I had no convictions, ever. They are in fact alleging that I've told them a lie which is easily proven to be a lie.the question is clear, no?
Whether they "should " ask is moot - one can use another insurer if their terms don't agree with you
Whether people answer honestly is another question, as is what will happen if you get caught telling fibs in your insurance proposal documents.
As well as being concerned that this untruth gives them a cop-out on my insurance I am properly annoyed about this.
It's not complicated.
If they really want to concern themselves with an SP30 8 years ago, they had every opportunity to ask the question when I was on the phone.
Do they think they are being clever by creating these doubts and uncertainties?
It is a standard question at insurance quote time.
A clear question about the previous 5 years. Simple answer...yes/no. If yes they ask for details and you give them.
From memory, points stay on your license for 3 years then dropped off. Kept on record ( database) for another year. Then removed. After 4 years you have a clean sheet. This is for the usual SP30 simple speeding scenario without any other convictions. That may be changed these days to 5 years not 4 but I think I am correct from personal experience a few years ago!
What was the old - 8 years ago- conviction? Simple speeding or more serious?
A clear question about the previous 5 years. Simple answer...yes/no. If yes they ask for details and you give them.
From memory, points stay on your license for 3 years then dropped off. Kept on record ( database) for another year. Then removed. After 4 years you have a clean sheet. This is for the usual SP30 simple speeding scenario without any other convictions. That may be changed these days to 5 years not 4 but I think I am correct from personal experience a few years ago!
What was the old - 8 years ago- conviction? Simple speeding or more serious?
sospan said:
It is a standard question at insurance quote time.
A clear question about the previous 5 years. Simple answer...yes/no. If yes they ask for details and you give them.
From memory, points stay on your license for 3 years then dropped off. Kept on record ( database) for another year. Then removed. After 4 years you have a clean sheet. This is for the usual SP30 simple speeding scenario without any other convictions. That may be changed these days to 5 years not 4 but I think I am correct from personal experience a few years ago!
What was the old - 8 years ago- conviction? Simple speeding or more serious?
OP states above, it was an SP30. A clear question about the previous 5 years. Simple answer...yes/no. If yes they ask for details and you give them.
From memory, points stay on your license for 3 years then dropped off. Kept on record ( database) for another year. Then removed. After 4 years you have a clean sheet. This is for the usual SP30 simple speeding scenario without any other convictions. That may be changed these days to 5 years not 4 but I think I am correct from personal experience a few years ago!
What was the old - 8 years ago- conviction? Simple speeding or more serious?
Although your licence is effectively a clean sheet after 4, it is 5 years for the offence to be spent under the rehabilitation of offenders act.
Just did a quick check on .gov
https://www.gov.uk/penalty-points-endorsements/how...
Not specific to SP* endorsments but shows 4 years. Hence the query about the 8 year old incident.
https://www.gov.uk/penalty-points-endorsements/how...
Not specific to SP* endorsments but shows 4 years. Hence the query about the 8 year old incident.
Edited by sospan on Tuesday 18th October 17:08
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