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Motor insurance with criminal conviction


Blackcat13
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Hi all, I was wondering if you could help. 
I got convicted of fraud in October for using my dads blue badge when I shouldn’t have and I’m really struggling to find car insurance I can afford   and it’s due for renewal in a few weeks. 
many help would be appreciated. 
 

 

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You'll need to use a specialist insurance broker and not rely on online price comparison sites. 

 

There's a national charity called Unlock that helps people with criminal convictions. One part of their website deals with motor insurance and has a list of specialist brokers who may be able to help.

 

UNLOCK.ORG.UK

Background We have been developing access to fair insurance for people with convictions since 2000. Since then we have worked hard to make it...

 

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@Blackcat13Just to save people having to read through the 9 pages of your previous thread I'll summarise what happened.

 

On 13th October 2022 you were convicted in the magistrates court of fraud under s1 and s2 of the Fraud Act 2006. The conviction was because you used a Blue Badge [BB] to park in a disabled parking bay in a council car park but it was not your BB and you were not authorised to use it. By using the BB you fraudulently obtained free parking that were not entitled to. You were not charged with having stolen the BB. It had been issued to your late father and should have been returned to the council after his death but in fact was still in your possession.

 

You pleaded Guilty and were fined.

 

How much was the Fine please? Was any other sanction imposed? Costs and Victim Surcharge presumably. Anything else?

 

Do you have any other motoring or non-motoring convictions? Do you have any points on your licence?

 

Knowing the answer to these questions will help people advise you.

 

 

 

 

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I would suggest contacting large brokers.  

 

e.g., Adrian Flux or A-Plan or Towergate.  Or find a brokers local to you.

 

You could call BIBA on 03709501790 to find a local brokers.  BIBA is the brokers association helpline.

 

On the Unlock website, it lists Direct Line, Churchill and Privilege Insurance.  Whilst these Insurance companies don't ask declaration questions regarding criminal convictions, I seem to remember that one of the eligibility criteria for being able to take out Insurance with these companies, is that the person taking out Insurance does not have any unspent criminal convictions.  Therefore do not take out Insurance with these companies, unless you have phoned them to check whether they can Insure you.

We could do with some help from you.

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Appears Direct Line might consider offering cover ?. See link (care, under car and driver criminal convictions not mentioned, but under occupants convictions is an issue.  Select Premier appears to be combined Home and Car Insurance, so convictions a problem for Home Insurance occupants, but not for drivers of car)

 

Before arranging any Insurance, if you are unsure about whether convictions are an issue affecting Insurance always check with the Insurance company.

 

https://www.directline.com/select-premier/assumptions

We could do with some help from you.

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  • You or any person living with you or covered under this policy have never been convicted of and/or charged with any offence (other than motoring convictions and/or any convictions spent under the Rehabilitation of Offenders Act) and do not have any prosecutions pending
     

That’s what direct line says 

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5 hours ago, Blackcat13 said:

It was just a fine of £400 ish can’t remember the exact amount that was including  costs and victim surcharge.

I have no points or motoring convictions 

 

6 hours ago, Ethel Street said:

@Blackcat13Just to save people having to read through the 9 pages of your previous thread I'll summarise what happened.

 

On 13th October 2022 you were convicted in the magistrates court of fraud under s1 and s2 of the Fraud Act 2006. The conviction was because you used a Blue Badge [BB] to park in a disabled parking bay in a council car park but it was not your BB and you were not authorised to use it. By using the BB you fraudulently obtained free parking that were not entitled to. You were not charged with having stolen the BB. It had been issued to your late father and should have been returned to the council after his death but in fact was still in your possession.

 

You pleaded Guilty and were fined.

 

How much was the Fine please? Was any other sanction imposed? Costs and Victim Surcharge presumably. Anything else?

 

Do you have any other motoring or non-motoring convictions? Do you have any points on your licence?

 

Knowing the answer to these questions will help people advise you.

 

 

the key here is too answer these questions...

 

BB Fraud is not classed as a motoring conviction.

 

 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have amended previous post re Direct Line. They have many different policies, so the previous link was only to one product. The convictions bit was under occupants which related to Home Insurance part. Under car and drivers, the convictions exclusion is not mentioned.

 

You would need to clarify with Direct Line.

 

You will need to speak to Insurers or Brokers. They will want exact information on the conviction. And yes ask current company.

  • Like 1

We could do with some help from you.

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I have just contacted direct line and they do not need to be notified of criminal convictions

 

You will not be able to declare that. Please do not add it as we do not need information for such crimes.
 
 
Vaibhav
 at 9:00, Feb 5:
Please be assured!
 
 
You
 at 9:01, Feb 5:
 
 
But it is a criminal convictionRead
Vaibhav
 at 9:01, Feb 5:
We only record motoring and motoring criminal convictions.
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You needed to tell your current Insurers as soon as you were aware of the conviction. By not telling them within reasonable time, you could be invalidating current Insurance.

 

The current Insurers may cancel your policy or charge an additional premium.

 

You don't have any choice but to tell current Insurers.

We could do with some help from you.

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So you are OK getting Insurance with Direct Line if the premium is affordable.

 

Sounds like you are in a position of getting quotes based on all information and going with best option from the renewal date.

We could do with some help from you.

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3. Pleasetelluswhenyourenewyourinsuranceif:
any information shown on the Motor Proposal Confirmation is incorrect
you or any driver on your policy have had any accidents, incidents, thefts, losses or claims (regardless of blame)
youoranydriveronyourpolicyhavehadanymotoringconvictionsorendorsementsduringtheperiodof insurance or received notice of any pending prosecutions
y you or any driver have any unspent non-motoring convictions or if a non-motoring conviction you have previously told us about has become spent under the Rehabilitation of Offenders Act 1974.

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So if that is stated in policy documents, then you tell them before renewal, so they can decide whether to offer renewal and what premium.

 

Some Insurers want the information during the policy year and not just at renewal.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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If they only need the info from renewal, the policy would be cancelled from renewal.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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