Car Insurance - Taking out new policy before old policy runs out...

[Ethel Street]

If you get a quote on any comparison site then go back and edit it to change things like your accident record or conviction history

 

each new quote and the changes you made to your details are seen by the companies who are quoting if/when you go forward to get cover from that company (ie when you transfer onto the company's own site).

 

It's one of the flags for them for possible fraudulent insurance activity. Apparently a lot of people get quotes initially using their real claims/conviction details then go back and remove them to see if they get a lower price. That makes insurers suspicious (understandably).

Edited May 15, 2018 by dx100uk
Spacing

[Ethel Street]

This is what I did, just to see the difference.... Bad move? But did not use my name, but obviously used the same car... Shall I just leave that now?

 

 

I don't know enough about how it works in detail to comment. But obviously if the insurer's quote you want to buy has been given using your correct vehicle/accident/claims/convictions etc information there shouldn't be a problem if all you have done is amend a typo - your house number for example. I wouldn't support giving false information to insurers to get a lower quote (and I don't think CAG would either).

[Ethel Street]

Yes, the DR10 does not become 'spent' until 5 years from date of conviction so must still be disclosed to insurers until then.

 

http://hub.unlock.org.uk/knowledgebase/motoring-convictions-and-the-rehabilitation-of-offenders-act/

 

There is no way of getting it 'spent' sooner and no way of getting insurers to ignore it until the 5 years is up. And as the comments on the link show many insurers (probably illegally) still penalise for motoring offences after 5 years if they manage to find out about them.

 

The only thing I can suggest is finding a specialist insurance broker dealing with finding motor insurance for for people with drink/drive convictions and see what they can do for you. You were asking about online comparison sites on another thread. They work well for people with "minor" convictions but aren't that good for people with drink/drug convictions. They tend to just produce 'no quotes'.