Skip to main content

Tag: Personal insurance

Motoring convictions and the Rehabilitation of Offenders Act

Help us – As part of our policy work we’re working on stopping the sharing of spent motoring convictions by the DVLA

Why is this important?

The Rehabilitation of Offenders Act applies to a number of areas of life, but particularly employment and insurance.

Motoring convictions are treated slightly strangely under the ROA, when compared with other types of offences.

Motoring endorsements

Sadly, the way that endorsements are treated under the Rehabilitation of Offenders Act has not been changed by the 2014 changes. This was in large part because of resistance by the insurance industry. Unfortunately, the knock-on effect of this is that it means that they also remain unspent for other purposes, such as when applying for employment. This is an area that we are actively working on, and are keen to gather evidence of where this is having a disproportionate impact for people.

The result is that an endorsement imposed by a court for a road traffic offence is treated as a sentence under the ROA and becomes spent after 5 years (or two and half years where you are under 18).

Every endorsement has a minimum 5 year rehabilitation period. This is even the case for endorsements that only remain on your driving licence for 4 years. The length of the endorsement is irrelevant. Endorsements that remain on a licence for 11 years do not stop the conviction relating to the offence from becoming spent earlier, subject to the other elements of the sentence.

This also applies to endorsements issued by way of Fixed Penalty Notice for a road traffic offence listed in Schedule 2 to the Road Traffic Offenders Act 1988 (see below for more information).

There remains a lot of confusion about the way that motoring convictions are being dealt with under the ROA, particularly given the way that motoring offences are recorded (or not) on the Police National Computer, and what this means in practice for individuals in terms of applying for employment and insurance. We are working on some specific guidance on this, so if you have any information or experiences that you think would help with this guidance, please send them to policy@unlock.org.uk.

Penalty points

Penalty points imposed by a court become spent when they cease to have effect. Under road traffic legislation, penalty points may be taken into account for ‘totting up’ purposes for three years, hence they have a three year rehabilitation period.

However, it is our understanding that penalty points are only ever issued alongside an endorsement, and so the 5 year period for the endorsement will normally be more relevant.

Driving disqualifications

The rehabilitation period for a driving disqualification is the length of the disqualification. If you are disqualified from driving and at the same time receive another penalty, the longer of the two rehabilitation periods applies.

Driving disqualifications will normally come with an endorsement, so the 5 year period for the endorsement will be applied, unless the period of the disqualification was longer than 5 years, in which case that period will be used to determine the spent date.

If you are banned from driving for seven years and also fined and receive an endorsement on your licence, although the fine becomes spent after 1 year, and the endorsement is spent after 5 years, the rehabilitation period for the conviction would be 7 years.

Motoring fines

A fine on its own under the ROA is 1 year, but for motoring offences dealt with by way of a court imposed conviction, it will normally come along with an endorsement, which has a 5 year rehabilitation period.

Multiple motoring disposals

Where the court imposes more than one sentence or penalty for the offence then the longest rehabilitation period determines when the conviction may become spent.

If you go to court and get convicted with a sentence of a fine, an endorsement, penalty points and a 1 year driving disqualification, the conviction will become spent after 5 years because the endorsement carries the longest period.

Fixed penalty notices for road traffic offences

A Fixed Penalty Notice (FPN) can be used to deal with minor road traffic offences, but it is not a criminal conviction or a caution.

However, if you are given an FPN for a road traffic offence in Schedule 2 to the Road Traffic Offenders Act 1988, and your licence is endorsed, then (in line with s. 58 of that Act) the endorsement is treated as having been given by a court following conviction of the offence and is subject to a 5 year rehabilitation period, from the date the FPN was issued.

A full list of the offences covered by this are available here. Examples include:

  1. Exceeding the speed limit
  2. Failing to provide a specimen of breath for a breath test
  3. Failing to stop motor vehicle when required by constable
  4. Refusing to give, or giving false, name and address in cases of reckless, careless or inconsiderate driving or cycling

Where section 58 of the Road Traffic Offenders Act does not apply, an FPN is not a conviction. FPN’s do not appear on basic disclosure certificates.

Differences between endorsable and non-endorsable offences

Regardless of whether an offence was dealt with by FPN or whether it went to court, it is important to know whether the offence was an ‘endorseable’ or ‘non-endorsable’ offence, as this will determine whether your licence was endorsed and therefore whether the offence is subject to the 5 year rehabilitation period for endorsements.

We are planning to produce specific guidance on this shortly. In the meantime, the easiest way to find out if you received an endorsement on your licence is by checking with the DVLA. You can contact the DVLA by calling 0300 790 6801 or writing to Drivers Customer Services, Correspondence Team, DVLA, Swansea, SA6 7JL.

Differences between spent periods and licence periods

The length of time that motoring offences stay on your licence is governed by road traffic legislation. This is entirely separate to the time it takes for it to become spent under the ROA. It is perfectly possible for a motoring conviction to become spent under the ROA, but still be on your licence.

If you are fined for drink-driving and have your licence endorsed and receive 3 penalty points, the rehabilitation period would be five years (because of the endorsement), although it will stay on your driving licence for 11 years.

There remains some confusion around motoring offences, the ways in which they link with your criminal record, and the reasons for the DVLA retaining data once it is spent under the ROA. For further information about DVLA records see here..

List of motor insurers

Background

  • We have been developing access to fair insurance for people with convictions since 2000.
  • Since then we have worked hard to make it easier for you to get genuine cover at a fair price.
  • Unlock is an independent charity, and so we do not provide insurance directly. We are not FCA regulated and so we’re not able to provide specific insurance advice.
  • We have published below a list of motor insurers.
  • The list is based on the feedback we’ve received from clients who have obtained insurance from mainstream providers of motor insurance.
  • It should be read alongside our guidance on insurance and convictions, and the list of insurance brokers.

Advice on using the list

  • Since April 2013, for personal insurance, if an insurer doesn’t ask you about convictions, you do not have to tell them.
  • If your conviction is spent, you don’t need to disclose it.
  • Many motor insurance companies ask about non-motoring convictions. Where they do, even if you think it’s not relevant, you must disclose (although only what is unspent)
  • However, some mainstream insurance companies do not ask about non-motoring convictions. So long as your convictions don’t fall within the questions that the company are asking, you do not have to tell them.
  • The list contains details of some of the major personal motor insurance providers who do not ask about non-motoring convictions (unless otherwise stated) at quotation stage. However, on receipt of the policy documents, all the insurers on the list will ask the policy holder (and any named driver) to disclose any unspent convictions which have not previously been disclosed. In some cases this may result in an insurer cancelling a policy or increasing your premium.

If you find that any of the details are incorrect, or have suggestions of further additions to this list, please let us know by emailing advice@unlock.org.uk.

In the majority of cases, details of any motoring offences can be found on your driving licence. After a certain time, they may not appear your driving licence as they may have been removed by the DVLA. However if the company asks, you must declare all offences in the past five years, even if they have been removed from your licence.

Download: List of motor insurers [PDF]

 

List of insurance brokers

Background

  • We have been developing access to fair insurance for people with convictions since 2000. Since then we have worked hard to make it easier for you to get genuine cover at a fair price.
  • Unlock is an independent charity, and so we do not provide insurance directly. We are not FCA regulated and so we’re not able to provide specific insurance advice.
  • The list provides details of a number of insurance brokers that provide specialist insurance to people with convictions
  • The list sits alongside guidance on insurance and convictions and a list of motor insurers for those with non-motoring convictions.

Advice on using the list

All of the companies on the list have confirmed to Unlock that they:

  1. Do not require individuals to disclose spent criminal record information (in line with the Rehabilitation of Offenders Act 1974)
  2. Are able to offer individuals, on request, written confirmation of the information they have disclosed regarding criminal conviction

 

COMPANYTELEPHONE NUMBEREMAIL ADDRESSWEBSITEBUILDING INSURANCECONTENTS INSURANCEMOTOR INSURANCELANDLORD INSURANCETENANTS INSURANCETRAVEL INSURANCEEXCLUSIONS
Adrian Flux Insurance Services0800 089 0341quotes@adrianflux.co.ukwww.adrianflux.co.ukYesYesYesYesYesYesSome sexual offences
AJG0800 496 3255insurancepolicyadmin@aig.comYesYesNoNoNoNoNone
Anchor Underwriting020 8418 9747peter@anchorunderwriting.co.ukanchorunderwriting.co.uk/YesYesNoYesYesNoSexual offences
BG Insurance01892 501852motor@bginsurance.co.ukbginsurance.co.uk/NoNoYesNoNoNoSexual offences & fraud
Bond Lovis Insurance Brokers0800 011 3444
0845 077 8800
commercial@bondlovis.co.ukwww.bondlovis.co.uk/YesYesYesNoNoNoSome sexual offences
Broker2U01245 226318deborah@broker2u.co.ukwww.broker2u.co.uk/YesYesYesYesYesNoNone
Bureau Insurance Services01424 222082cover@bureauinsurance.co.ukwww.bureauinsurance.com/YesYesNoYesYesYesNone
Collingwood Insurance Service0345 470 0010insurance@collingwood.co.ukmotorinsurance.collingwood.co.uk/NoNoYesNoNoNoNone
Complete Cover Group Limited0800 112 4258www.completecovergroup.com/YesYesYesNoNoNoNone
CoverBuilder0333 358 3359help@coverbuilder.co.ukwww.coverbuilder.co.ukYesYesNoNoYesNoSexual offences & terrorism offences
Coversure Insurance0330 124 6874sevenoaks@coversure.co.ukwww.coversure.co.uk/sevenoaksNoNoYesNoNoNoSexual offences
Culpeck Insurance Services Limited01733 208278newbculpeckis@gmail.comwww.culpeck.co.ukYesYesNoYesNoNoSome sexual offences
Delite Insurance Agency01634 570020info@deliteinsurance.co.ukwww.deliteinsurance.co.ukYesYesNoYesYesNoSexual offences
DNA Insurance Services Limited0844 573 2400mail@dna-insurance.comwww.dna-insurance.com/YesYesYesYesYesNoSexual offences
Fresh Start01483 806900info@fresh-start.co.ukwww.fresh-start.co.ukYesYesNoYesYesYesNone
GMI Insurance Services020 8850 5531insure@gmi-insurance.co.ukwww.gmi-insurance.co.uk/YesYesNoNoNoNoSexual offences
Guildhall Brokers & Consultants Limited020 8446 6306quote@guildhallbrokers.comwww.guildhallbrokers.com/YesYesNoNoNoNoMore than 5 unspent convictions
H & R Insurance Services0845 130 2800admin@hrinsure.co.ukwww.hrinsurance.co.ukNoNoYesNoNoNoFraud, theft, dishonesty, handling stolen goods
HomeProtect0845 155 1957sales@homeprotect.co.ukwww.homeprotect.co.ukYesYesNoYesYesNoNone
Insurable0845 077 9949info@insurable.comwww.insurable.com/YesYesYesYesYesYesSexual offences
Insurance Choice01926 680710unlock@insurancechoice.co.ukwww.insurancechoice.co.uk/YesYesYesYesYesYesSexual offences, some fraud, theft & robbery offences
Insurance Factory0844 573 4746enquiries@insurancefactory.co.ukwww.insurancefactory.co.ukNoNoYesNoNoNoSexual offences
Intelligent Insurance03333 11 11 10contact@intelligentinsurance.co.ukwww.intelligentinsurance.co.uk/YesYesNoYesYesNoNone
Keith Michaels Plc020 8329 1163
020 8329 1158
mark@keithmichaels.co.ukwww.keithmichaels.co.uk/NoNoYesNoNoNoSexual offences & fraud
LMI Limited0845 260 8010quotes@lmiltd.co.ukwww.lmibroking.co.uk/YesYesNoNoNoNoSexual offences
MyFirst UK0333 305 5116enquiries@myfirstuk.comwww.myfirstuk.comNoNoYesNoNoNoNone
Need to Insure Limited01623 720081unlock@needtoinsure.co.ukwww.needtoinsure.co.uk/YesYesYesNoNoNoNone
One Insurance Solution0845 034 0833tq.leads@oneinsurance.co.ukwww.oneinsurance.co.uk/YesYesYesNoNoNoSexual offences
Park Insurance0117 955 6835enquiries@parkinsurance.co.ukwww.parkinsurance.co.ukYesYesYesNoNoNoSexual offences
Peacock Insurance Services02476 437600info@peacockinsurance.co.ukwww.peacockinsurance.co.uk/YesYesNoYesYesYesSexual offences
Richard Weston Limited020 8543 6166info@richardweston.co.ukYesYesNoYesYesNoNone
Sky Insurance Brokers0330 333 1255commercial@skyinsurance.co.ukwww.skyinsurance.co.uk/YesYesNoYesYesNoSexual offences
Sale Insurance Services Limited0161 969 6040enquiries@saleinsurance.co.ukwww.saleinsurance.co.uk/YesYesYesYesYesYesNone

 

 

 

Insurance and convictions – A detailed guide

Insurance and convictions – A simple guide

Summary

This information provides a quick summary of the issues facing individuals with unspent convictions when purchasing insurance. It applies to ‘consumer’ insurance only. This includes home (buildings and contents) insurance, as well as personal motor insurance. For more information, and for details on commercial insurance, these can be found in our detailed guide.

Key facts

  1. You only have to disclose convictions if you are asked.
  2. If you’re not asked directly, make sure you check any assumptions and terms/conditions of cover (you can usually find these in your policy documents).
  3. If asked, you DO NOT have to disclose any convictions that are spent under the ROA.
  4. If asked, make sure you get written confirmation of what you’ve disclosed.

Why am I asked about convictions?

Most insurance companies ask about criminal convictions because they believe it is relevant to the risk. Although this often seems unfair, they are entitled to ask.

If asked, you need to answer this question honestly and accurately. The questions will normally include the convictions of everyone covered by the policy, such as children or a partner.

If you are not asked, you do not need to disclose.

Rehabilitation of Offenders Act

Once a conviction is ‘spent’ under the Rehabilitation of Offenders Act 1974 (ROA), it never has to be disclosed to insurers. This is the case no matter what question an insurer asks you. Detailed guidance on the ROA is available here.

How do I know whether my convictions are spent?

The ROA is complicated and you may not know whether your conviction is spent or not. However, there are a number of ways you can work out whether a conviction is spent. You can;

  1. Use Unlock’s online disclosure calculator. (You’ll need the date of conviction and details of the sentence or disposal you received in court).
  2. Apply for a copy of your basic Disclosure and Barring Service (DBS) certificate. Anything which appears on this will need to be disclosed to the insurance company.

If you’re not sure what’s on your criminal record, you can apply for a copy of your criminal record (often referred to as a Subject Access Request) from the ACRO Criminal Records Office.

When do I need to disclose?

You will need to disclose unspent convictions when you take out the policy (but only if you’re asked).

Generally, you do not need to disclose any convictions you receive during a policy until the renewal date.  It’s always worth checking that there isn’t an explicit condition in your policy which asks you to disclose..

During 2015, many insurers, brokers and price comparison websites rolled out MyLicence, a database which provides immediate access to information about a person’s driving records.  For further information see here.

What could happen when I disclose an unspent conviction?

Some insurers may:

  • Refuse to offer you insurance
  • Want to charge you more
  • Impose special terms

If you already have a policy and disclose a new conviction, your insurer may cancel the policy or increase your premium.  Alternatively, they may agree to continue your insurance up until the renewal date.

What could happen if I do not declare an unspent conviction when asked?

If you are taking out new insurance, or already have a policy, it is quite possible that nothing will happen. However, you may be acting illegally and if your insurer does find out, your insurance could be cancelled or your premium increased.

How might convictions affect making a claim?

If you disclosed everything that you were asked about when you took out the policy, there should be no problem.

If you didn’t, your insurance company may ‘avoid’ the policy. This means they will treat it as if it never existed and will not pay out on your claim. This may leave you unable to replace what you have insured, such as your house, car or business.

What if my insurer refuses to pay a claim?

In some circumstances, you may be able to challenge an insurer who is avoiding your policy. If your insurer cannot settle your complaint, you can go to the Financial Ombudsman Service (FOS). The FOS deal with complaints in a way that takes account of both the law and industry good practice. They will consider whether the insurer asked clear questions, whether their decision was influenced and whether you failed to disclose recklessly, deliberately, inadvertently or innocently.

Where can I get insurance?

  • Unlock publishes a list of brokers who specialise in insurance for people with unspent convictions, as well as a list of motor insurers who do not ask about non-motoring convictions.
  • There may be other insurers who are able to provide some cover for people with some unspent criminal convictions. Take extra care when seeking insurance from an insurer who does not ask questions about criminal convictions. Check any assumptions and terms/conditions of cover.
  • If you are asked about convictions, ask for written proof that shows you have disclosed your conviction. You can use this if disclosure is disputed at claim stage.

Commercial insurance

Download our list of commercial insurance brokers 

Aim of this page

The aim of this page is to set out what is meant by commercial insurance and what you may need to disclose about your criminal conviction when you are purchasing it.

It forms part of our information section on insurance.

Why is this important?

If you are looking to purchase a commercial insurance policy, you will usually be asked to provide details of all the directors of the company. If any director has ‘unspent’ convictions then these would normally have to be disclosed.

Changes to consumer insurance disclosure law came into force in April 2013 but, these changes did not extend to commercial polices which is why this information is important.

What is meant by commercial insurance?

In most cases, it will be obvious. For example, it will normally involve policies that have a significant commercial element to them, including commercial buildings and contents, public liability, commercial motor or insurance taken out by companies.

Ultimately, if in doubt, the best advice is to check with the insurer, because in some cases, it will depend on the individual case. For example:

  1. A car used for pleasure and business. It will depend on the balance of the use. Personal use, with occasional business use, is likely to be regarded as ‘consumer insurance’.
  2. A van used for both business and pleasure. Again, it will depend on the balance of the use. Business use, with occasional personal use, is likely to be regarded as ‘commercial insurance’
  3. Buy to let insurance. An individual letting his own property out (possibly as part of his pension) could be classed as a consumer, whereas a buy-to-let landlord with numerous properties is likely to be a commercial client.
  4. Taxi insurance. This is likely to be regarded as a commercial insurance policy.

What do I need to disclose for commercial insurance?

On the 12th August 2016, the Insurance Act 2015 came into force. It applies to all commercial insurance contracts and has been described by the UK government as “the biggest reform to insurance contract law in more than a century”.  Part 2 of the Act creates a new ‘duty of fair presentation’ aimed at encouraging active (as opposed to passive) engagement by insurers, as well as clarifying and specifying known or presumed to be known matters.

Previously, insurance law was underpinned by a principle of utmost good faith. Generally this meant that you needed to volunteer any information that a reasonable insurer may have regarded as a material fact. This included any circumstances that could:

  1. Affect the insurer’s willingness to insure a particular risk; and
  2. Cause the insurer to charge a higher premium, or alter the terms of the policy.

On this basis, most insurers may have expected that you would disclose an unspent conviction which related to either yourself or other directors.

Under the 2015 Act, you will be required to disclose sufficient information to put an insurer on notice that they may need to make further enquiries about a potential material circumstance. In this context, it could mean that an insurance company would expect you to notify them if you/fellow directors have unspent convictions. It would then be up to the insurer to decide whether to make further enquiries.

We would advise anybody with unspent convictions to ensure that they disclose all unspent convictions of people who are covered by the policy. This is even where there isn’t a specific question about convictions. Ultimately, if the insurer doesn’t believe it is relevant, they will inform you of this, and you should keep a written record of this if you end up purchasing a policy from them, in the event of a dispute later on down the line.

If you are not sure whether a policy is regarded as consumer or commercial insurance, you should err on the side of caution and disclose all unspent convictions, getting some form of written confirmation of your disclosure, which will be helpful in the event of a dispute.

Remember that you don’t need to disclose spent convictions.

Where can I get commercial insurance?

Unlock’s list has details of companies that can provide commercial insurance.

However, it is also likely that, given this is an area of insurance that is less developed for people with convictions (because it is less common), you are also likely find brokers who do not necessarily specialising in helping ‘people with convictions’ who will be able to help you simply because you are looking for commercial insurance.

Discuss this with others

Read and share your experiences on our online forum.

Below you will find links to useful websites relating to this page. More specific details (including addresses and telephone numbers) of some of the organisations listed below can be found here.

More information

  1. For practical information – More information on insurance and our list of commercial insurance brokers
  2. To discuss this issue with others – Read and share your experiences on our online forum – commercial insurance
  3. Our policy work – Read about the policy work we are doing on ensuring fair treatment by insurance companies
  4. Questions – If you have any questions about this, you can contact our helpline.

Get involved

Help us to add value to this information. You can:

  1. Comment on this page (below)
  2. Send your feedback directly to us
  3. Discuss your views and experiences with others on our online forum

 

We want to make sure that our website is as helpful as possible.

Letting us know if you easily found what you were looking for or not enables us to continue to improve our service for you and others.

Was it easy to find what you were looking for?

Thank you for your feedback.

12.5 million people have criminal records in the UK. We need your help to help them.

Help support us now