For All Vehicle Claims

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Criminal Convictions

If you are the subject of a criminal conviction(s), to enable insurers to consider the relevance of these, we require specific information in respect of each conviction or outstanding matter,

Please advise for:

each outstanding matter:

    • the date of the offence
    • the present position

for each conviction:

    • the offence description
    • the date of conviction
    • the court at which the matter was heard and
    • sentence imposed.

If exact information cannot be provided, please provide your best estimates when responding. However, the means by which to obtain your record, to acquire the details (offence, conviction and sentence), is via the criminal records checking regime access. Under this regime, you should seek a basic check to determine whether you have any unspent convictions or cautions. Further information about this facility can be obtained at:

Disclosure customer services
Telephone: 03000 200190

Alternatively, advice can be obtained from the Information Commissioner’s Office’s helpline on 0303 123 1113

Please obtain a basic disclosure and provide us with the results as soon as possible. a delay could prejudice your claim.

Note that you will need to find an organisation to undertake the enquiry for you – you as an individual are unable to pursue a DBS check of yourself.

We will consider the information you supply in respect of offence, conviction and sentence in conjunction with the data supplied at the proposal. Our interest is with regard to those offences that are not ‘spent’ under the Rehabilitation of Offenders Act (further information about this is below) at the date of proposal and/or renewal. We may consider post-proposal / renewal offences if they relate to the policy and/or the subject vehicle.

The Rehabilitation of Offenders Act 1974 of the UK Parliament enables some criminal convictions to be ignored after a rehabilitation period. Its purpose is that people do not have a lifelong blot on their records because of a relatively minor offence in their past.

Important Note: This is intended as general guidance only. It is not legal advice and must not be regarded as a definitive interpretation of the 1974 Act. Anyone in doubt should seek their own legal advice.

10 March 2014 – changes to the Rehabilitation of Offenders Act 1974 come into force:

All cautions and convictions may eventually become spent, with the exception of prison sentences, or sentences of detention for young offenders, of over four years and all public protection sentences regardless of the length of the sentence.

Once a caution or conviction has become spent under the 1974 Act, a person does not have to reveal it or admit its existence in most circumstances. Unless an exception applies (see below), then spent cautions and convictions need not be disclosed when filling in a form, or at a job interview.

Note: Insurers’ interest will usually relate to the date of policy inception or the date of renewal. It is possible the above disclosure will not result in all relevant information being disclosed and further enquiries may be necessary.