Insurance after a driving ban .

[outa10]

Could somebody please advise me on buying car insurance after a driving ban has ended .

 

On 13/05/2009 i was banned from driving for five years,

 

Obviously the ban has nearly served its time and

 

i am due to get licence back on 13/05/2014 .

 

What i don't understand is that i have looked online at different insurance companies to try get a rough idea of how much it would cost me to insure a car from that date .

 

Each time i have done this it asks me whether i have had any claims or convictions in the last 5 years ,

 

Well the honest answer to that is No,

because i haven't had a licence during that time period .

 

How do i answer them so that i would be legally covered if i happened to have any claim in the future ?

[dx100uk]

when you actually get your licence back in your hand

 

you honestly answer the questions posed to you.....

 

that would be no

 

get the licence back first

 

dx

[Sidewinder]

So far as I am aware your obligation is to answer all questions truthfully, so if the question asks whether you have any claims or convictions in the last five years then so long as that time has actually passed then you can answer 'No' truthfully. It is down to the insurer to ask the right questions in order to get the information that they want, so if they ask, for example whether you have EVER had any claims or convictions then your answer would need to be different.

 

I wouldn't go looking for too many quotes before the conviction has actually expired though as if you were to save one and take up insurance at a quote which has been given on responses which were not truthful at the time, then this could cause you problems later.

[outa10]

Thank you for your reply .

[unclebulgaria67]

You need to look up the rehabilitation of offenders act period of disclosure relevant to the offence committed. You can search for this online.

 

You need to be truthful to the Insurers and disclose all relevant information they ask for. If the rehabilitation of offenders act means that the offence is no longer legally counted as such, the Insurers cannot use this to discriminate against you.

[green_and_mean]

https://www.insurable.com/convictions.html