Insurance for ex prisoners?
Discussion
I know a few on PH have been inside for non motoring offences, so what difference does it make to your car insurance?
My son is currently inside and when renewing my car insurance today, I noticed it asked " have you been convicted of any non-motoring offences". I assume this pushes the cost up, but not sure of the relevance!! I'm interested to know as I assume he'll have lost his NCB as well. His Impreza's in the garage, but insurance could well be an issue when he gets out!!
My son is currently inside and when renewing my car insurance today, I noticed it asked " have you been convicted of any non-motoring offences". I assume this pushes the cost up, but not sure of the relevance!! I'm interested to know as I assume he'll have lost his NCB as well. His Impreza's in the garage, but insurance could well be an issue when he gets out!!
Depends what he is inside for and the severity of it. If he was convicted of any sort of fraud then he may aswell forget trying to find any insurers willing to insure him. Some insurers don't like insuring for example a murderer due to retaliation, bad publicity etc.
There are insurers out there that will insure him but it will be at an increased premium due to risk associated with insuring such an individual i.e. he took a risk to break the law so what kind of risks will he be willing to take in a car. He may be a very slow driver etc but he will fall into a certain bracket.
I think you will probably find if you clicked "yes" to non-motoring convictions on a comparison site most would come up with no quote so you will have to try specialist insurers.
There are insurers out there that will insure him but it will be at an increased premium due to risk associated with insuring such an individual i.e. he took a risk to break the law so what kind of risks will he be willing to take in a car. He may be a very slow driver etc but he will fall into a certain bracket.
I think you will probably find if you clicked "yes" to non-motoring convictions on a comparison site most would come up with no quote so you will have to try specialist insurers.
Edited by Saag Aloo on Friday 13th March 17:59
Plotloss said:
Not that I am suggesting that you or he do this but,
A persons criminal record is their business and their business alone, the answer to the question posed the insurance companies have absolutely no way of ratifying.
No truth in that whatsoever. A person has a duty to disclose all criminal convictions if relevant; not doing so is fraud. A persons criminal record is their business and their business alone, the answer to the question posed the insurance companies have absolutely no way of ratifying.
Plotloss said:
Not that I am suggesting that you or he do this but,
A persons criminal record is their business and their business alone, the answer to the question posed the insurance companies have absolutely no way of ratifying.
But were the insurer to find out (tip off, press reports etc) then they will likely cancel cover which is another black mark against him when applying for further insuranceA persons criminal record is their business and their business alone, the answer to the question posed the insurance companies have absolutely no way of ratifying.
Plotloss said:
Not that I am suggesting that you or he do this but,
A persons criminal record is their business and their business alone, the answer to the question posed the insurance companies have absolutely no way of ratifying.
Are you sure about that?A persons criminal record is their business and their business alone, the answer to the question posed the insurance companies have absolutely no way of ratifying.
Court hearings are public a quick google search can reveal lots.
The insurance company may not be able to get certified record of conviction. However, the suspicion followed by an allegation of obtaining a pecuniary advantage would soon reveal all.
Futuramic said:
Plotloss said:
Not that I am suggesting that you or he do this but,
A persons criminal record is their business and their business alone, the answer to the question posed the insurance companies have absolutely no way of ratifying.
No truth in that whatsoever. A person has a duty to disclose all criminal convictions if relevant; not doing so is fraud. A persons criminal record is their business and their business alone, the answer to the question posed the insurance companies have absolutely no way of ratifying.
So how would they find out?
If someone grassed (unlikely, how would they know you didnt declare it?) then you'd be potentially open to fraud, more likely obtaining pecuniary advantage.
It is a technical offence in reality as they have absolutely no way of checking an individuals criminal record unless they request that individual signs a disclosure.
Plotloss said:
Futuramic said:
Plotloss said:
Not that I am suggesting that you or he do this but,
A persons criminal record is their business and their business alone, the answer to the question posed the insurance companies have absolutely no way of ratifying.
No truth in that whatsoever. A person has a duty to disclose all criminal convictions if relevant; not doing so is fraud. A persons criminal record is their business and their business alone, the answer to the question posed the insurance companies have absolutely no way of ratifying.
So how would they find out?
If someone grassed (unlikely, how would they know you didnt declare it?) then you'd be potentially open to fraud, more likely obtaining pecuniary advantage.
It is a technical offence in reality as they have absolutely no way of checking an individuals criminal record unless they request that individual signs a disclosure.
longblackcoat said:
There may be no proper way of checking, but at the same time the driver wouldn't want to have a crash....the insurers would (rightly) be able to claim that the insurance was invalid.
With what justification?Ah right sir, you've had an accident, ok, would you sign this CRB disclosure?
otolith said:
So it's just in the realms of lying about who is the main user of the car, or about modifications- it's fine if you can get away with it? Isn't it a bit morally, err, despicable?
I'm not saying its morally correct, not at all.Modifications etc are easily checkable though, send an engineer, bosch, claim dismissed.
This isnt, to blithely allow corporations access to the most private of information would seem to be equally morally bankrupt, on the face of it.
Plotloss said:
otolith said:
So it's just in the realms of lying about who is the main user of the car, or about modifications- it's fine if you can get away with it? Isn't it a bit morally, err, despicable?
I'm not saying its morally correct, not at all.Modifications etc are easily checkable though, send an engineer, bosch, claim dismissed.
This isnt, to blithely allow corporations access to the most private of information would seem to be equally morally bankrupt, on the face of it.
I am, perhaps, a little old fashioned politically; but to me it's one's own bloody fault for getting a criminal record in the first place. Say what you will about the justice system, but it's reasonably fair - therefore why should anybody who has committed a crime not suffer ongoing consequences. The law exists as a set of rules that must not be broken. End of.
Futuramic said:
Moral bankruptcy? What!
I am, perhaps, a little old fashioned politically; but to me it's one's own bloody fault for getting a criminal record in the first place. Say what you will about the justice system, but it's reasonably fair - therefore why should anybody who has committed a crime not suffer ongoing consequences. The law exists as a set of rules that must not be broken. End of.
So by that rationale you'd have no issue whatsoever with your life insurance company profiling their risk and adjusting their payments on the back of your Tesco Clubcard data? Or your employer refusing to employ you because they could freely see that you are a recovering alcholic, as they've checked your medical records?I am, perhaps, a little old fashioned politically; but to me it's one's own bloody fault for getting a criminal record in the first place. Say what you will about the justice system, but it's reasonably fair - therefore why should anybody who has committed a crime not suffer ongoing consequences. The law exists as a set of rules that must not be broken. End of.
Data privacy is an important right.
You also, from your argument dont believe that a conviction should be able to become spent and that you should be marked for life as an ex-offender and that information should be freely available to anyone who can be arsed to look?
t they use to batter peoples premiums up for something that bears no relation to the subject in hand.Plotloss said:
Futuramic said:
Plotloss said:
Not that I am suggesting that you or he do this but,
A persons criminal record is their business and their business alone, the answer to the question posed the insurance companies have absolutely no way of ratifying.
No truth in that whatsoever. A person has a duty to disclose all criminal convictions if relevant; not doing so is fraud. A persons criminal record is their business and their business alone, the answer to the question posed the insurance companies have absolutely no way of ratifying.
So how would they find out?
If someone grassed (unlikely, how would they know you didnt declare it?) then you'd be potentially open to fraud, more likely obtaining pecuniary advantage.
It is a technical offence in reality as they have absolutely no way of checking an individuals criminal record unless they request that individual signs a disclosure.
"Sorry but I have to ask. Can you confirm you've never had any criminal convictions?" I fully expect the answer to be no. (Whether or not, I imagine!)
The question is asked so that in the event of a problem and a criminal record coming to light and being relevant and us not being informed we're entitled to dismiss the individual.
It's more complicated than the above - but that's the gist.
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