Insurance

Disclosing criminal records to insurance companies

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Do I need to declare cautions when applying for insurance?

If you have a simple caution, or a reprimand or final warning, you do not need to declare these when applying for insurance. Simple cautions, reprimands and final warnings are spent immediately under the Rehabilitation of Offenders Act. You do not need to declare anything that is spent when applying for insurance.

Conditional cautions are spent after three months from the date of issue, or once the conditions cease to have effect. If you have received a conditional caution within the last three months, you will need to declare this to an insurance provider if you are asked to. Once the conditional caution is spent, you will not need to declare this when applying for insurance.

Do I need to declare convictions when applying for insurance?

If your convictions are spent under the Rehabilitation of Offenders Act, you will not need to declare them to insurance providers regardless of the questions you may be asked. If you are not sure whether your convictions are spent, please see here for further advice or contact us on 0300 123 1999 or helpline@nacro.org.uk.

If your convictions are unspent, you will need to declare them to the insurance provider if they ask you to. You do not need to disclose them if you are not asked.

For certain types of insurance, such as home insurance, you may be asked to declare unspent convictions of everybody living within the household.

Failure to declare unspent convictions when asked to do so can invalidate your insurance policy. For this reason, it is a good idea to ask your insurance provider for a written confirmation of any criminal conviction declarations that you make to them. Keep this as evidence of disclosure in case you need to make a claim.

Do I need to declare fixed penalty notices when applying for insurance?

If you received a fixed penalty notice for a road traffic offence, you will need to disclose this to motor insurance providers for five years if you were 18 or over at the time, or two-and-a-half years if you were under 18 at the time.

If you declare a fixed penalty notice to an insurance provider, it is a good idea to ask them for written confirmation of your declaration in case you need to make a claim.

You do not need to declare fixed penalty notices or penalty notices for disorder that you have received for other offences which are not road traffic offences.