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picky28
Hi all can anybody answer my query? I am 28 years old and back in 2005 i was abit stupid and managed to get the following convictions put on my provisional licence, ut50,dr10 and in10. I passed my test last year in May (2008), i went out bought a car and insured it, i have a fiat punto 1.2 sporting on a 52 plate and my yearly premium is over 1600.00.

Thing is i now need a bigger car due to having another baby, have found a 1.6 astra which is only a group 5 insurance (punto is group 7) but my current insurance wont cover me on it for some reason, have gone on the comparison websites and confused.com said i could only add convictions gained after i got my licence, so carried on and did not add my convictions, premium came back as 400 quid!!!!

How much trouble would i get in if i didn't tell them about my convictions and can they find out about them? Do i even have to tell the insurance companies because the convictions were 3 years before i got my licence?

Any advice greatly appreciated
Teufel
you have duty to disclose info likely to influence the granting of insurance
else you may well find the insurance invlaid - in general this applies as a duty to you
regardless of what they ask - there is usually a cach all question at the end

for motoring this is normally taken as any offences comitted (ie relevant date is offence)
up to 5 years prior the the quotation date

you might be best to take out monthly insurance with ful dislosure at the high rate
and then when 5 years has past from the offence in 2005 (later this year) find a better
quote (as then no dislosure required) and cancel the previous policy

this may mean hanging onto your current car a bit longer
ict_guy
QUOTE (Teufel @ Sun, 22 Feb 2009 - 13:22) *
you might be best to take out monthly insurance with ful dislosure at the high rate
and then when 5 years has past from the offence in 2005 (later this year) find a better
quote (as then no dislosure required) and cancel the previous policy


We are in year 2009 aren't we?
jobo
youve got a duty to answer the questions asked,complete the form truthfully

if they ask have you got any current convictions the answer is no,

you dont need to volunteer additional information
southpaw82
Additionally, lying in order to obtain insurance is fraud and carries a potential sentence of up to ten years in prison (if memory serves). Don't lie.
davepoth
I would be very surprised if the insurance company didn't want to hear about those. Even if they don't ask for them, I think it would be silly of you to not inform them because it's quite likely that they will deny you cover.

the DR10 will stay on your license until 2016, the IN10 is on there until the date of the offence this year, and the UT50 is the same as the IN10.

Try one of the firms that specialises in convicted motorists, they should be able to give you a better quote.
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