If you\u2019ve had a conviction or two, you may be concerned that insurers will send your premiums through the roof. You may also be wondering if spent or unspent convictions will affect your insurance too.<\/p>\n
Having any type of conviction, be that motoring or criminal, can have an impact on multiple parts of your life but, in this blog, we\u2019re helping you navigate getting the right insurance whether you have spent or unspent convictions.\u00a0<\/p>\n
Do you have a spent or unspent conviction?<\/strong><\/h2>\nIf you\u2019re unsure of what the difference between certain convictions is, no problem, we\u2019re here to break it down.\u00a0<\/p>\n![\"Brass](\"https:\/\/cdn2.adrianflux.co.uk\/wp-fluxposure\/uploads\/2020\/05\/24153145\/tingey-injury-law-firm-yCdPU73kGSc-unsplash-1024x683.jpg\")
<\/figure>\nSpent\u00a0<\/strong><\/h3>\nIf you have a spent conviction, as per the Rehabilitation of Offenders Act 1974<\/a>, this means it has been removed from your criminal record because the specified period of time has passed since you were given the conviction. They won\u2019t come up in something like a DBS check (unless it\u2019s an advanced one) and it is illegal for an employer to refuse you employment due to a spent conviction.\u00a0<\/p>\nUnspent\u00a0<\/strong><\/h3>\nAn unspent criminal conviction is one that is still on your record, be that because you are still in the rehabilitation period or because it will remain permanently on your record due to safeguarding issues. These will be flagged on any form of DBS check.<\/p>\n
How long does it take for a conviction to become spent?<\/strong><\/h2>\nYour rehabilitation period<\/a> will depend on a few factors, including whether you went to prison, the age you were when you committed the crime and the specifics of your offence. They can range between six months and seven years depending on the circumstances.\u00a0<\/p>\nWill a conviction affect your insurance policy?<\/strong><\/h2>\nConvictions can come at a cost when it comes to your insurance, with insurers needing to use that information to consider your risk level, but it is different depending on the type of conviction you have.<\/p>\n![\"Man](\"https:\/\/cdn2.adrianflux.co.uk\/wp-fluxposure\/uploads\/2020\/05\/24153345\/pexels-saulo-leite-1491182-27254207-1024x683.jpg\")
<\/figure>\nUnspent convictions\u00a0<\/strong><\/h3>\nIf it remains unspent, you will need to disclose this to your insurer and this will most likely increase the cost of your premium. If you don\u2019t disclose the conviction<\/a>, motoring or criminal, or you mislead your insurer accidentally (or deliberately), you may have your insurance cancelled or voided, and you could even face criminal charges for insurance fraud.<\/p>\nFor car insurance especially, an unspent driving conviction<\/a> may heavily impact your insurance because, statistically, motorists with convictions are more likely to be a higher risk to the insurance company, so their premium reflects that. At Adrian Flux, we\u2019ll be able to help with this, taking things on a case-by-case basis instead of judging you straight away on your driving conviction.\u00a0<\/p>\nSpent convictions<\/strong><\/h3>\nYou do not need to declare this to your insurance provider so it is highly unlikely to affect the price of your premium. This is the same for motoring or criminal convictions.\u00a0<\/p>\n
Is there an insurance company that won\u2019t ask about your convictions?<\/strong><\/h2>\nAs mentioned above, no matter what, you do need to declare any unspent criminal or motoring convictions you have but, despite this, there are some insurance companies that won\u2019t immediately bump up the price of your insurance.\u00a0<\/p>\n![\"Close-up](\"https:\/\/cdn2.adrianflux.co.uk\/wp-fluxposure\/uploads\/2020\/05\/24153527\/kaitlyn-baker-vZJdYl5JVXY-unsplash-1024x683.jpg\")
<\/figure>\nHere at Adrian Flux, things are different. We know that your past is not necessarily a guide to the future and as experts in finding cover for all types of specialist and unusual situations, our quotes department can search for value for money, high-quality insurance cover whatever your history.<\/p>\n
Convicted car insurance<\/strong><\/h2>\nIf you have spent convictions or unspent convictions, at Adrian Flux, our experienced team can discuss your car insurance needs and search for a quote for convicted driver cover<\/a>.<\/p>\nWe also offer fairplay insurance<\/a> when it comes to all of our policies, where we look at you as an individual, not just an ex-offender.
Call us on 0800 369 8590 or book a callback<\/a> at a time that suits you.<\/p>\n<\/p><\/div>\n
<\/figure>\nSpent\u00a0<\/strong><\/h3>\nIf you have a spent conviction, as per the Rehabilitation of Offenders Act 1974<\/a>, this means it has been removed from your criminal record because the specified period of time has passed since you were given the conviction. They won\u2019t come up in something like a DBS check (unless it\u2019s an advanced one) and it is illegal for an employer to refuse you employment due to a spent conviction.\u00a0<\/p>\nUnspent\u00a0<\/strong><\/h3>\nAn unspent criminal conviction is one that is still on your record, be that because you are still in the rehabilitation period or because it will remain permanently on your record due to safeguarding issues. These will be flagged on any form of DBS check.<\/p>\n
How long does it take for a conviction to become spent?<\/strong><\/h2>\nYour rehabilitation period<\/a> will depend on a few factors, including whether you went to prison, the age you were when you committed the crime and the specifics of your offence. They can range between six months and seven years depending on the circumstances.\u00a0<\/p>\nWill a conviction affect your insurance policy?<\/strong><\/h2>\nConvictions can come at a cost when it comes to your insurance, with insurers needing to use that information to consider your risk level, but it is different depending on the type of conviction you have.<\/p>\n<\/figure>\nUnspent convictions\u00a0<\/strong><\/h3>\nIf it remains unspent, you will need to disclose this to your insurer and this will most likely increase the cost of your premium. If you don\u2019t disclose the conviction<\/a>, motoring or criminal, or you mislead your insurer accidentally (or deliberately), you may have your insurance cancelled or voided, and you could even face criminal charges for insurance fraud.<\/p>\nFor car insurance especially, an unspent driving conviction<\/a> may heavily impact your insurance because, statistically, motorists with convictions are more likely to be a higher risk to the insurance company, so their premium reflects that. At Adrian Flux, we\u2019ll be able to help with this, taking things on a case-by-case basis instead of judging you straight away on your driving conviction.\u00a0<\/p>\nSpent convictions<\/strong><\/h3>\nYou do not need to declare this to your insurance provider so it is highly unlikely to affect the price of your premium. This is the same for motoring or criminal convictions.\u00a0<\/p>\n
Is there an insurance company that won\u2019t ask about your convictions?<\/strong><\/h2>\nAs mentioned above, no matter what, you do need to declare any unspent criminal or motoring convictions you have but, despite this, there are some insurance companies that won\u2019t immediately bump up the price of your insurance.\u00a0<\/p>\n<\/figure>\nHere at Adrian Flux, things are different. We know that your past is not necessarily a guide to the future and as experts in finding cover for all types of specialist and unusual situations, our quotes department can search for value for money, high-quality insurance cover whatever your history.<\/p>\n
Convicted car insurance<\/strong><\/h2>\nIf you have spent convictions or unspent convictions, at Adrian Flux, our experienced team can discuss your car insurance needs and search for a quote for convicted driver cover<\/a>.<\/p>\nWe also offer fairplay insurance<\/a> when it comes to all of our policies, where we look at you as an individual, not just an ex-offender.
Call us on 0800 369 8590 or book a callback<\/a> at a time that suits you.<\/p>\n<\/p><\/div>\n
Unspent\u00a0<\/strong><\/h3>\nAn unspent criminal conviction is one that is still on your record, be that because you are still in the rehabilitation period or because it will remain permanently on your record due to safeguarding issues. These will be flagged on any form of DBS check.<\/p>\n
How long does it take for a conviction to become spent?<\/strong><\/h2>\nYour rehabilitation period<\/a> will depend on a few factors, including whether you went to prison, the age you were when you committed the crime and the specifics of your offence. They can range between six months and seven years depending on the circumstances.\u00a0<\/p>\nWill a conviction affect your insurance policy?<\/strong><\/h2>\nConvictions can come at a cost when it comes to your insurance, with insurers needing to use that information to consider your risk level, but it is different depending on the type of conviction you have.<\/p>\n<\/figure>\nUnspent convictions\u00a0<\/strong><\/h3>\nIf it remains unspent, you will need to disclose this to your insurer and this will most likely increase the cost of your premium. If you don\u2019t disclose the conviction<\/a>, motoring or criminal, or you mislead your insurer accidentally (or deliberately), you may have your insurance cancelled or voided, and you could even face criminal charges for insurance fraud.<\/p>\nFor car insurance especially, an unspent driving conviction<\/a> may heavily impact your insurance because, statistically, motorists with convictions are more likely to be a higher risk to the insurance company, so their premium reflects that. At Adrian Flux, we\u2019ll be able to help with this, taking things on a case-by-case basis instead of judging you straight away on your driving conviction.\u00a0<\/p>\nSpent convictions<\/strong><\/h3>\nYou do not need to declare this to your insurance provider so it is highly unlikely to affect the price of your premium. This is the same for motoring or criminal convictions.\u00a0<\/p>\n
Is there an insurance company that won\u2019t ask about your convictions?<\/strong><\/h2>\nAs mentioned above, no matter what, you do need to declare any unspent criminal or motoring convictions you have but, despite this, there are some insurance companies that won\u2019t immediately bump up the price of your insurance.\u00a0<\/p>\n<\/figure>\nHere at Adrian Flux, things are different. We know that your past is not necessarily a guide to the future and as experts in finding cover for all types of specialist and unusual situations, our quotes department can search for value for money, high-quality insurance cover whatever your history.<\/p>\n
Convicted car insurance<\/strong><\/h2>\nIf you have spent convictions or unspent convictions, at Adrian Flux, our experienced team can discuss your car insurance needs and search for a quote for convicted driver cover<\/a>.<\/p>\nWe also offer fairplay insurance<\/a> when it comes to all of our policies, where we look at you as an individual, not just an ex-offender.
Call us on 0800 369 8590 or book a callback<\/a> at a time that suits you.<\/p>\n<\/p><\/div>\n
Your rehabilitation period<\/a> will depend on a few factors, including whether you went to prison, the age you were when you committed the crime and the specifics of your offence. They can range between six months and seven years depending on the circumstances.\u00a0<\/p>\n Convictions can come at a cost when it comes to your insurance, with insurers needing to use that information to consider your risk level, but it is different depending on the type of conviction you have.<\/p>\n If it remains unspent, you will need to disclose this to your insurer and this will most likely increase the cost of your premium. If you don\u2019t disclose the conviction<\/a>, motoring or criminal, or you mislead your insurer accidentally (or deliberately), you may have your insurance cancelled or voided, and you could even face criminal charges for insurance fraud.<\/p>\n For car insurance especially, an unspent driving conviction<\/a> may heavily impact your insurance because, statistically, motorists with convictions are more likely to be a higher risk to the insurance company, so their premium reflects that. At Adrian Flux, we\u2019ll be able to help with this, taking things on a case-by-case basis instead of judging you straight away on your driving conviction.\u00a0<\/p>\n You do not need to declare this to your insurance provider so it is highly unlikely to affect the price of your premium. This is the same for motoring or criminal convictions.\u00a0<\/p>\n As mentioned above, no matter what, you do need to declare any unspent criminal or motoring convictions you have but, despite this, there are some insurance companies that won\u2019t immediately bump up the price of your insurance.\u00a0<\/p>\n Here at Adrian Flux, things are different. We know that your past is not necessarily a guide to the future and as experts in finding cover for all types of specialist and unusual situations, our quotes department can search for value for money, high-quality insurance cover whatever your history.<\/p>\n If you have spent convictions or unspent convictions, at Adrian Flux, our experienced team can discuss your car insurance needs and search for a quote for convicted driver cover<\/a>.<\/p>\n We also offer fairplay insurance<\/a> when it comes to all of our policies, where we look at you as an individual, not just an ex-offender.Will a conviction affect your insurance policy?<\/strong><\/h2>\n
<\/figure>\nUnspent convictions\u00a0<\/strong><\/h3>\n
Spent convictions<\/strong><\/h3>\n
Is there an insurance company that won\u2019t ask about your convictions?<\/strong><\/h2>\n
<\/figure>\nConvicted car insurance<\/strong><\/h2>\n
Call us on 0800 369 8590 or book a callback<\/a> at a time that suits you.<\/p>\n<\/p><\/div>\n