Do I need to declare criminal convictions?
You only need to give details about unspent convictions to a car insurance provider; convictions considered spent under the Rehabilitation of Offenders Act 1974 do not have to be disclosed. Criminal convictions become spent after a specified amount of time – the amount of time depends on the sentence that you were given.
For example, if you were sentenced to less than six months in prison, your conviction would become spent two years after the end of your sentence. However, if you were given a sentence of more than four years, your conviction will always be considered unspent. Cautions, reprimands and final warnings are spent immediately and do not have to be disclosed.
If you’re unsure whether your conviction is spent, you can check here.
If you don’t tell your insurance provider about any unspent convictions, it could make your car insurance invalid. And that means if you make a claim, your provider might not pay out, leaving you with a potentially very large bill to pay. You might also find it even more difficult to get insurance in the future.