Good bit of advice there Friendlycopper.

However, I've failed to come across a 'Friendly Copper' before - so you've changed my mind lol! Worked in Essex Police for a very short stint and I thought to myself "Do I really want to end up like these arrogant tit's when I'm older?" and handed in my resignation.

Besides, bit off topic, but good advice! :)

The rehabilition of offenders act does not apply to motoring points it would only apply if it was a serious offence say death by dangerous driving.  You have to supply you insurance company with your points for 5 years so they can look at the risk you hold if they insure you.

 If you do not declare those points and you are later need to claim they will not pay out also you may be arrested and charged with obtaining a pencuairy advantage this means that you have gained fininically due to the fact that you have not declared the points. This conviction does come under the rehabilition of offenders act. Good chance you would go to prison on your first offence. Do not bother it is not worth it. I have had to deal with people that did this and they did go to prison on a first offence.

mpower:

i spoke to a dvla adviser and asked her about a speeding conviction which was taken off my licence but was within the 5 year period. I asked her details about it as i couldnt remember. She told me if its not on the licence you dont have to tell them. Thats dvla for you mate. 

The DVLA are wrong - cos the law (rehabilitation of offenders act) says otherwise. 

RGB:

mpower:if its not on your licence dont tell them

That's really not helpful advice.

I've had two instances today where people have failed to provide important details. One involved in an RTA which someone was unfortunately killed instantly. The insurance are disputing it based on a DD conviction which was 4 years ago, but not declared despite clearly being asked "Within the last 5 years".

I doubt they will pay out the claim and this will leave the uninsured pretty much screwed. But then it's deserved in my opinion.

Always answer the questions fully.... if the company ask up to 5 years and it's off your licence after 3... declare it!

i spoke to a dvla adviser and asked her about a speeding conviction which was taken off my licence but was within the 5 year period. I asked her details about it as i couldnt remember. She told me if its not on the licence you dont have to tell them. Thats dvla for you mate. 

mpower:if its not on your licence dont tell them

That's really not helpful advice.

I've had two instances today where people have failed to provide important details. One involved in an RTA which someone was unfortunately killed instantly. The insurance are disputing it based on a DD conviction which was 4 years ago, but not declared despite clearly being asked "Within the last 5 years".

I doubt they will pay out the claim and this will leave the uninsured pretty much screwed. But then it's deserved in my opinion.

Always answer the questions fully.... if the company ask up to 5 years and it's off your licence after 3... declare it!

The reason insurers ask about driving convictions in the last 5 years is that you are duty bound to disclose ALL fines received in the last 5 years (they are not spent until then), even if the endorsement is removed from your licence you have still been fined!

Having said that most insurers will ignore older minor offences, some more serious offences like drinking and driving are on the licence for 11 years.