What are non motoring convictions?

What are non motoring convictions?

A non-motoring conviction is a conviction that is not related to driving, for example breaking into a house or stealing a car would be classed as a non-motoring conviction (however excessively speeding in the stolen car would be classed as a motoring offence!).

Do you have any unspent non motoring convictions meaning?

Spent convictions are those convictions that have reached a set period as defined by the Rehabilitation of Offenders Act 1974, and are removed from an individual’s criminal record. Unspent convictions are those records that have not yet reached this defined time and will appear on a Basic Criminal Record Check.

What’s a motoring conviction?

Being caught breaking a motoring law leads to a driving conviction. Offences such as breaking the speed limit, reckless driving, and driving under the influence of alcohol or drugs are classed as driving convictions and lead to fines and penalty points on your licence.

Do insurance companies check for convictions?

Technically, an insurer could ask you to provide proof of your unspent convictions. However, it’s more likely that your insurer will take more interest in your criminal record when you make a claim. At this point, insurers normally check through with you the details they have.

Do I have to declare non motoring convictions for car insurance?

You must declare any unspent convictions you have. If you don’t disclose your unspent convictions when asked, your insurance will be invalid. Insurers can even get their money back from you if you’ve made a claim with them. Final warnings, cautions and reprimands aren’t convictions, so they don’t need to be disclosed.

Do you have to declare convictions for insurance?

If your conviction is spent, you don’t need to declare it when you apply for insurance, even if you’re asked. Insurance cover might be more expensive if you have an unspent conviction. Mainstream insurers typically refuse to cover those with unspent convictions.

How do I know if my conviction is spent?

If you’re still in your rehabilitation period following a criminal conviction, your conviction is unspent. Any custodial sentence over two and a half years stays unspent. If you were found guilty of a criminal offence by a court, following the specified time-period, your conviction will be considered “spent”.

Is a speeding fine a motoring conviction?

When caught committing an offence such as speeding, driving under the influence or driving without a licence, you will have a motoring conviction and will most likely get points on your licence.

What happens if you don’t declare convictions?

If you deliberately don’t disclose your convictions when asked by the insurance company, your insurance could be invalid. This means it won’t pay out when you make a claim on it. If you’ve already made a claim, the insurance company can ask for the money back.

What happens if you have a non motoring conviction?

Having a non-motoring conviction can lead to higher premiums and, in some cases, the insurance company may decline to cover the driver altogether. What do I disclose? ‘Unspent’ convictions must always be disclosed.

How long does it take for a driving conviction to be spent?

According to the Rehabilitation of Offenders Act 1974, convictions are “spent” after 5 years, which don’t require you to disclose them to your insurance provider after that time. Below is a list of motoring conviction complete with the driving licence conviction codes and the amount of penalty points you could receive for each offence.

What makes a criminal conviction for dangerous driving?

All motoring offences determined by magistrates or at a crown court will lead to a criminal conviction — that can be anything from causing death by dangerous driving or driving under the influence of alcohol, to speeding or failing to wear a seatbelt.

Are there any insurance companies that cover unspent convictions?

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 which are able to provide some cover for people with some unspent criminal convictions.