You may find this helpful...

 

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/25/25-disclosure-of-spent-motoring-convictions.htm

 

I foresee a nice juicy cheque as an apology coming your way from the bank

excellent. This is an extremely useful piece of information.

In that case the insurance you are looking for is insurance which you obliged to have by law if you are a homeowner. This means that by not having it you are breaking the law.

 

The convictions which you have were disclosed despite not having any obligation to to do so. They happened 30 years ago. They are not offences of dishonesty. There is no way that they could be said to materially affect the risk which any insurer accepted as part of an insurance contract.

 

I think you should set about as suggested above, contacting small specialist insurance brokers and explain to them exactly what has happened. I expect that you will get insured at some point, but it may cost you a little more. However, you will need to overcome this particular problem.

 

You say that your existing insurer has gone out of business. Generally speaking there is some arrangement for a new insurer to take over their files. Have you investigated this? If you have an existing insurance and you can find out who has taken over the risk, then you would be entitled to renew their insurance automatically. Insurers are not allowed to refuse a renewal – except in very special circumstances.

 

After that, I think you need to deal with the bank. It's up to you whether you think you want to take the trouble – but frankly I would do. You now have convictions on file and you have no idea when they might crop up again. You also have an insurance refusal on file and you have no idea when that will crop up again either.

 

I would challenge the bank. You reposed their trust in them and I think that when trying to sell you a product they owed you a fiduciary duty to have explained exactly what it meant by disclosing convictions and to protect you from getting yourself into exactly the kind of problem that you have managed to do.

 

If you want to do this, we will help you. I would suggest initially a complaint to the bank and to the FOS. You may eventually consider a small action under BCOBS which would be very straightforward and you might find interesting. I'm very clear in my mind that the bank is treated you unfairly.

 

As I have already suggested, you should send the bank an SAR on 25 May to get all the information they hold on you in respect of the insurance and the disclosures you made. You should then insist on their records being erased in respect of these matters. After 25 May this should be a fairly straightforward matter. However, you will also discover with whom they have shared this data and you will then have to contact those people and get them to erase the data as well. I'm not sure whether I have seen that there is some duty on the sharer of data to ensure that all those people that the data has been shared with master raise as well. We had better doublecheck this. It would save you a lot of trouble – but I'm not sure that this is the case.

 

You sound to me as if you're someone who doesn't really like to disclose their details on social media – but it seems to me that when a bank asks you all sorts of personal details somehow or other you seem to lose your inhibitions despite the fact that they are one of the most untrustworthy self-serving organisations you could come across. I think that you have caused a lot of problems for yourself – but we can help you sort them out if you want.

Wow, so we are required by law to insure a house if you own it ?Is there any chance that you can provide evidence of that please as I never ever knew that? I’ve had a quick Google and every result said that it wasn’t, though it is often a requirement of a mortgage (I knew that) What’s the crimalniffence and penalty? That is something else I didn’t know !

Thread title is : "House Insurance renewal has been refused due to a motoring conviction"

 

I'm guessing house insurance .......

Again BF, this is another example of you ignoring the obvious because you are blinded by the chance to jump on someone. What was going to be next...accusations of protecting the company or even being in bed with them?

Wow, so we are required by law to insure a house if you own it ?Is there any chance that you can provide evidence of that please as I never ever knew that? I’ve had a quick Google and every result said that it wasn’t, though it is often a requirement of a mortgage (I knew that) What’s the crimalniffence and penalty? That is something else I didn’t know !

My bad. All these years and I always thought that third-party insurance for a house was obligatory. I checked up and it turns out it's not. It's a good idea – but it's certainly not obligatory.

Thank you

Again BF, this is another example of you ignoring the obvious because you are blinded by the chance to jump on someone. What was going to be next...accusations of protecting the company or even being in bed with them?

thank you again. I'm very grateful for you drawing this to my attention.

Its always a requirement of a mortgage..not often..its part of the T&Cs of the lending...the lender insists you protect their investment.

Did you not try renewing with your existing insurer?

 

When you say that you are looking for house insurance, is this statutory third-party insurance et cetera or are you talking about home contents?

 

What are the rules relating to spent convictions? Surely a conviction of this calibre should have gone ages ago and you would be under no duty to disclose it.

Rehabilitation of offenders act 1974 applies.

You can actually tell them to remove the data and if they ask just state rehabilitation of offenders act.

The date of my conviction was 13/10/1987. Over 30 years ago.

The questions for the insurance quote were presented to me on the bank's computer screen

with an assistant entering my replies to each question.

Quoted wrong reply.

My reply above still stands to tho quote