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Informing your Insurance of your Convictions

By: Tracy Wilkinson - Updated: 20 Mar 2018 | comments*Discuss
 
Convictions False Statements Motor

If you are convicted of a motoring offence you most probably won’t want to tell anyone, but unfortunately, you will need to.

False Statements and Withholding Information

Under the Road Traffic Act 1998 it is an offence for you to withhold any information that might be considered relevant, or to make false statements in an attempt to gain a Motor Insurance Certificate. For a guideline, you should tell your insurers of any motoring convictions or incidents that you feel may be relevant from the last 5 years.

In many cases, drivers who have been convicted of an offence fear that their motor insurance premium will increase as a result, so they withhold the information and don’t report it.

If you receive a Motoring Conviction, no matter what offence it is for, you must inform your car insurance company. This will often result in a higher renewal premium because evidence shows that people with motoring convictions are a higher insurance risk.

Not declaring motoring convictions is the most common way that people lie to their insurers and it is also the most common reason that policies end up being cancelled. Insurance companies tend to assume that Drivers with Convictions are poor drivers, so charge them more for their insurance, leading to a fear of disclosure from convicted motorists.

Insurance companies are getting tougher on drivers who lie to them, they have a number of ways of investigating anyone they think may not have told the truth.

So What Offences Do I have to Disclose?

Usually when you take out an insurance policy, it becomes your responsibility to disclose any circumstance that may be material or likely to influence the basis of the contract that you have, throughout the life of the arrangement and when you renew the insurance contract.

In this context, a material fact means one that could possibly influence an underwriter when they are determining your premium – details that are particular to you such as any previous incidents.

These previous incidents may or may not have resulted in a previous insurance claim, criminal convictions or motoring convictions and should be disclosed even if you are not specifically asked to provide them.

Failure to Provide this Information

If you fail to provide any information of this nature then any claims you make against your insurance policy may not be paid and your policy may be rendered invalid.

If you aren’t sure whether or not you should disclose something, contact your insurer and discuss it with them. Err on the side of caution and don’t withhold anything that could be pertinent to the information that you have provided in order to obtain suitable insurance.

Responsibility for Disclosure

Above all, remember that it remains your sole responsibility to check that any statements made on proposal forms are full and accurate. It is a breach of the Road Traffic Act 1988 to make a false statement or withhold what might be pertinent information. Make sure that you double check all the information on a form before you sign it, particularly if someone else (including call centre advisors), have completed the form on your behalf.

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[Add a Comment]
Marsgirl - Your Question:
Last year I was caught going 1 second into a red light. I did the awareness course instead of receiving the penalty points. At the time the course providers mentioned that we didn't need to declare this offence to insurers. Now my insurance has come up for renewal but I'm worried about not declaring it incase they find out. There's no record of it when I log into gov.uk to view my driving licence information. Do I need to declare it?

Our Response:
This depends on the questions your insurer asks you at renewal time. You will need check the terms and conditions, some insurers ask that you declare any motoring offences.
NoPenaltyPoints - 21-Mar-18 @ 2:41 PM
Last year I was caught going 1 second into a red light. I did the awareness course instead of receiving the penalty points. At the time the course providers mentioned that we didn't need to declare this offence to insurers. Now my insurance has come up for renewal but I'm worried about not declaring it incase they find out. There's no record of it when I log into gov.uk to view my driving licence information. Do I need to declare it?
Marsgirl - 20-Mar-18 @ 12:04 AM
Joey - Your Question:
Once a ban has been completed does it need to be declared to an insurance company, even if you are never asked about it? I believe the law is that you do not need to delare convictions that have already been 'spent'.

Our Response:
Some insurers ask that you declare any convictions - it's a bit of a complex issue and not easy to answer in the short space here. This excellent feature by Kate Palmer gives a detailed answer.
NoPenaltyPoints - 28-Feb-18 @ 3:02 PM
Once a ban has been completed does it need to be declared to an insurance company, even if you are never asked about it? I believe the law is that you do not need to delare convictions that have already been 'spent'.
Joey - 27-Feb-18 @ 2:28 PM
Hi, I was recently caught for drink driving following an accident. I reported the incident immediately to my insurance, but I am still due to go to court. Is it right for my insurance to cancel my policy while I am still waiting for the court decision ? Any advice...
Pagal - 20-Feb-18 @ 3:18 PM
Laden- Your Question:
Hiya, do your insurance company ask for proof of penalty points ie paper driving license

Our Response:
An insurance company can check online for any endorsements, so they don't normally ask the policy holder for evidence. If you are already insured with the company you should inform them of any new offences though.
NoPenaltyPoints - 20-Feb-18 @ 3:05 PM
Hiya, do your insurance company ask for proof of penalty points ie paper driving license
Laden - 16-Feb-18 @ 4:31 PM
I received speeding fine of £100 & 3 points & also months later, i received a 2 week ban & £325 fine (court fees etc). Im looking into buying a car , however i am aware the points will mean higher premium. With the ban just being 14 days will this increase the insurance premiums further? As on insurance websites they only start from 1 month ban.
Jess - 28-Jan-18 @ 4:13 AM
Hi I have been caught speeding estimated 43 in a 30 I have already done a speed awareness so I will end up in band b fine , this will be either 4-6 points and a weeks wages or a 7-28 day ban , if I opt for the ban do I need to disclose this even if it’s 7 days ? Also does anyone know if itake the points whether they would allow a payment plan for the fine ? I’m so worried I can’t sleep
JenM1986 - 21-Jan-18 @ 9:29 AM
d - Your Question:
I have been approached by an officer over for a belief that I was holding a mobile phone. The officers were quite rude and out of shock I didn't know what to say. As they've come up to me at random. They believed that they actually pulled me over. Although, they still managed to report me for the case. It's been about 2 months, and I have still not received any letters regarding this case. I do have my renewal coming up in three weeks and I have checked my license where the current status says no points. Can you guys tell me where I stand with this?

Our Response:
It could be up to 6 mothns before you hear anything further...did the police officer give you any idea of what their next step would be?
NoPenaltyPoints - 15-Dec-17 @ 10:42 AM
I have been approached by an officer over for a belief that I was holding a mobile phone. The officers were quite rude and out of shock I didn't know what to say. As they've come up to me at random. They believed that they actually pulled me over. Although, they still managed to report me for the case. It's been about 2 months, and I have still not received any letters regarding this case. I do have my renewal coming up in three weeks and I have checked my license where the current status says no points. Can you guys tell me where I stand with this?
d - 11-Dec-17 @ 8:18 PM
Court - Your Question:
Hello, I have just received a 2 week driving ban. Do I have to inform my insurance company?

Our Response:
You usually have to inform your insurer of any changes during your policy lifetime, so it will be wise to check at least.
NoPenaltyPoints - 1-Dec-17 @ 3:44 PM
Hello, I have just received a 2 week driving ban. Do I have to inform my insurance company?
Court - 30-Nov-17 @ 4:58 PM
I got a fine for a driving offence, went to magistrate court and got the fine however didn’t get any points and they never said I had been charged. On my last insurance I explained the situation and the guy checked their database and he said I have no convictions however I have been told whilst doing a driving course through work I technically do have a conviction? Do I or don’t I?! Ps the court never told me I had to send off my license or anything after it happened
Emjay - 24-Oct-17 @ 2:13 PM
jeff - Your Question:
Hi all ive bumped a car in a car park and the insurance paid out to fix that persons car. a month later im receiving a letter from the insurance asking me to pay 700 odd quid because I havent told them about minor driving offences going back 2 years. do I have to pay that ? or just cancel the insurance and shop around? my argument would be although ive not disclosed the points on my licence (tbh was too lazy to check) ive also not had the chance to shop around and compare quotes going back two years since I assumed my current insurer was the best quote. any ideas?

Our Response:
No, you have given fraudulent information, your premiums would have been higher if the insurer had know about them.
NoPenaltyPoints - 20-Oct-17 @ 12:01 PM
Kelly - Your Question:
Help needed. I have recently been pulled for using a mobile phone while driving, therefore I will get 6 points and a fine. Do/if I need to inform my insurance company of this when I receive the letter? If I do, will there be a premium to pay then when they update my policy? Or does it go up when I renew my insurance?

Our Response:
Yes you should inform your insurer. Some insurance companies will charge an administration fee for changes to your policy. The premium should not go up until renewal time, but all insurance companies are different so we can't say how yours will act.
NoPenaltyPoints - 18-Oct-17 @ 3:41 PM
hi all ive bumped a car in a car park and the insurance paid out to fix that persons car. a month later im receiving a letter from the insurance asking me to pay 700 odd quid because i havent told them about minor driving offences going back 2 years. do i have to pay that ? or just cancel the insurance and shop around? my argument would be although ive not disclosed the points on my licence (tbh was too lazy to check) ive also not had the chance to shop around and compare quotes going back two years since i assumed my current insurer was the best quote. any ideas?
jeff - 18-Oct-17 @ 6:55 AM
Help needed. I have recently been pulled for using a mobile phone while driving, therefore I will get 6 points and a fine. Do/if I need to inform my insurance company of this when I receive the letter? If I do, will there be a premium to pay then when they update my policy? Or does it go up when I renew my insurance?
Kelly - 17-Oct-17 @ 7:51 PM
I received a nine month driving ban at crown court in March 2017 at the end of the hearing the judge said nine months no further action so no points and no fine do I need to declare the ban or is it done and dusted once it has ended ? It was a cd10 driving with undue care and attention
Ejit - 6-Oct-17 @ 12:34 PM
I have disclosed penalty points to my insurer on renewal of my policy . They now want ref number of speeding fine ... but threw paper when i paid it ... is any way i can find info ... also emptied my mail box of confirmation .... never realised i would need this
Wills - 13-May-17 @ 7:24 PM
I am really ashamed but I got a drink drive ban for 2 yearsdidn't hurt anyone and did not have an accident I left my side light on in the dark. I don't like to Discuss but it'd been 4 years now does it stay on my record. I am too ashamed To get my license back but guess one day il will.anyone help please. I have intensive therapy for my stupidly,I
Ji - 2-Mar-17 @ 9:40 PM
I have a pending conviction,just read up that i don't need to specifically give that information to them until i get my points ect...
None - 17-Feb-17 @ 4:41 PM
I was banned when I was 17 for drink driving and was wondering how long the conviction would show to insurers as it states on gov.uk that if under 18 they only have access to the information for 30 months (now 21)
Liam - 14-Feb-17 @ 12:01 PM
What will happen if i didnt tell my insurance for 5 prnalty points on my licence? Well.. i thought i told them butit seems i didnt.
Cd10 - 31-Jan-17 @ 7:55 PM
DG - Your Question:
What I really don't understand is what does penalty point has to do with car insurance,why did the uk government gave so much power to Insurance companies and they use it to manipulate people.All this insurance companies are criminals and the government allows it,Like in Europe you only have to insure your car for about £35 to £55 depending on how long you have NCB and anyone with a proper license can driver the with out his or her name on the insurance because it is the car that is insured with the driver and the passengers but here you and your partner will be paying such a huge amount monthly which in unfair anyway why am I complaining no one cares about citizens they just want to make money

Our Response:
Penalty points are usually given for driving offences like speeding, running red lights etc. These are indications of "less-than-safe" driving, so insurers will consider someone with points like this to be a higher risk. The UK is actually only slightly higher than average for motor insurance premiums (per capita). Bear in mind also that other factors like road traffic density will play a part in any actuarial assessments to calculate premiums.
NoPenaltyPoints - 6-Jan-17 @ 2:05 PM
What i really don't understand is what does penalty point has to do with car insurance,why did the uk government gave so much power to Insurance companies and they use it to manipulate people.All this insurance companies are criminals and the government allows it, Like in Europe you only have to insure your car for about £35 to £55 depending on how long you have NCB and anyone with a proper license can driver the with out his or her name on the insurance because it is the car thatis insured with the driver and the passengers but here you and your partner will be paying such a huge amount monthly which in unfair anyway why am i complaining no one cares about citizens they just want to make money
DG - 5-Jan-17 @ 9:45 PM
If i am no longer insured with an insurance company, Do i need to ring them and let them know i was convicted of drink driving whilst insured with them. they have payed out for damage that was done and I no longer need insurance as i am not driving. i was fully comp so regardless of whether i was drunk or not, should they pay out third party and not me? Do i need to ring the insurance company and tell them i was convicted or just leave it as i am no longer insured?
... - 22-Dec-16 @ 10:01 AM
Alan - Your Question:
I am been witch hunted by the police I think they were annoyed that I got 10 points and not disqualified for drinking driving they stopped me and said are you not disqualified I said no got ten points then ask did I report it to my insurance company I said yes then a month later I got a letter from insurance company saying the police rang them and they said did I report a 7 year drinking driving ban to them which at this one I did not this is a old one.insurance company were asking me to send a ph copy of both parts of license what will happen now to me our what can I do ?

Our Response:
You'll just have to wait and see how the insurance company decides to proceed unfortunately as you have obviously given them false information.
NoPenaltyPoints - 13-Dec-16 @ 10:34 AM
I am been witch hunted by the police I think they were annoyed that I got 10 points and not disqualified for drinking driving they stopped me and said are you not disqualified I said no got ten points then ask did I report it to my insurance company I said yes then a month later I got a letter from insurance company saying the police rang them and they said did I report a 7 year drinking driving ban to them which at this one I did not this is a old one .insurance company were asking me to send a ph copy of both parts of license what will happen now to me our what can I do ?
Alan - 11-Dec-16 @ 10:22 AM
My son got a speeding ticket in march. They tried to say he had not provided info and it went to court beginning of October. It was overturned and they said he didn't need to d Clare it. He would have to go to court where offence took place tho plead guilty and he'd be offered speed awareness course. However he was no offered this just fined and given 3 points. Now worried that insurance company will think he lied when he took out new insurance between court cases. What can he do
Trish - 26-Nov-16 @ 1:38 PM
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