Motor insurance with criminal conviction

[Ethel Street]

 

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.

 

List of insurance brokers - Unlock

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...

 

[Ethel Street]

@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.

 

 

 

 

[Ethel Street]

And there's a list insurance brokers on the Unlock site.

[Ethel Street]

Before telling your current insurer I would find out if direct line or another insurer is willing to quote you a price that is acceptable.  If you decide to go to that insurer then you don't need to tell your current insurer about your conviction. You just tell them you don't want to renew.  You do not have to explain to your current insurer why you are not going to renew the policy.

 

The risk with telling your current insurer is that they will issue a formal refusal to renew the policy.  That refusal would have to be declared to other insurers for years to come and can make insurance harder to get or more expensive.

[Ethel Street]

How much a month are you paying now? I think you said £135 in your earlier thread.

 

How much per month was the premium from your current insurer when you did a new quote online?

 

How much per month is the quote from Direct Line?

[Ethel Street]

11 minutes ago, Blackcat13 said:

Hi, just doing an online chat with my current insurer and they’re asking for a conviction code held by the DVLA. I’ve logged in and cannot find one. There saying that this fraud conviction details will be held by the DVLA

 

Their chatline doesn't know what it is talking about. It isn't a motoring offence so there won't be a DVLA code and your licence wasn't endorsed.

 

No you dont have to tell the DVLA anything. It  has nothing to do with DVLA, it isn't a motoring conviction.

 

Like on your other thread you aren't listening to the advice you are being given and you aren't approaching this methodically. Asking you insurer to give you a renerwal quote now risks you getting a formal non-renewal that you will have to declare to other insurers. Your policy isn't due for renewal until 25th February. You have plenty of time to talk to them later after you have got quotes from other insurers.

[Ethel Street]

Who is the £400 a month quote from?

 

You need to approach this systematically. 

 

Get a range of quotes from other insurers, insurers who are willing to quote. This will take time but that's what you have to do when you have a fraud conviction. 

 

And ask some of the insurance brokers that have already been suggested to you. 

 

Then come back here and tell us what quotes you have got.