Motorcycle insurance advice: Should you disclose previous non-motoring offences?
18 September 2009 16:26
If you have received an motorcycle insurance renewal notice from your broker asking if you have ever had a conviction for a non-motoring offence, here's why they're asking, and where you stand...
The Rehabilitation of Offenders Act 1974 enables some criminal convictions to become 'spent', or ignored, after a period of time from the date of conviction. After this period, with certain exceptions, an ex-offender is not normally obliged to mention their conviction when applying for a job or obtaining motorcycle insurance, or when involved in criminal or civil proceedings.
We can't see any justification whatsoever for the insurance broker to have asked for this information assuming the non-motoring conviction was minor.
Bearing in mind insurance policies are policies of good faith it is arguable that any convictions for fraud or related to fraudulent insurance claims would be something they would be interested in and perhaps something that should be disclosed.