MOTOR INSURANCE

[anton-1952]

I have just received my motor insurance renewal. Should I inform insurers that I was convicted of fraud and if I don't what are the consequences. If I do mention it and can't get insurance cover how can I legally drive to help us run two businesses, we live out in the country with no public transport and basically are knackered without our car.

[jd_here]

If they ask the question then I suppose you would have to mention it, if they don't, well no problem. Good luck.

[factor-fiction]

You were convicted of fraud? I'm sure you posted a few days ago to say "woohoo, I got away with it"
If the insurers want to know about you need to tell them, otherwise your insurance will be invalidated

[hc4361]

You have a duty of disclosure and this includes unspent convictions.
Failing to disclose can void your insurance.

http://www.fool.co.uk...or-car-insurance.aspx

You will probably need to get your car insurance through a broker - insurance companies are wary of people convicted of fraud.

[hc4361]

"Before we go any further, you are reminded of your duty to disclose material facts before you take out your policy, at each renewal and whenever they change. Failure to disclose material facts is a criminal offence and can result in your policy not protecting you in the event of a claim and the insurance company (after having paid all claims made against you) coming after you to recover all the money they have paid out. Examples of material facts for motor insurance are: unspent convictions, disabilities, modified vehicles, failure to declare accurately where the vehicle is kept, young or poor additional drivers, high mileage, unusual use. This list is not exhaustive if you are in doubt whether a fact is material it should be disclosed."

This is typical.