Why does my home insurance application ask me if i hav a criminal copy?
do i have to put all of my convictions down even if they are 15 years ago? caution i had for shoplifting n coup¨¦ crime etc? i mean what impact do these have on my application? what happen if i dont declare any?
Answers:
I guess because they think citizens with a conviction are a higher risk. If you tell stories AND later have a loss they will look for any defence not to pay you- and bingo--you gave them one.
Insurance companies only want to take on clients who represent low risk. If you hold a string of (even minor) offences they'll consider you a person who might be tempt to make a fraudulent claim. If you don't declare your ancient convictions and you make a genuine claim, the average insurance company will use that omission (should they find out) as a polite reason not to pay you. So get a note of your past, but point out the convictions occur when you were young and new.
An insurance contract is a contract of the utmost good reliance - you have to tell the insurer of anything that might be valid. Unless you are in a jurisdiction where convictions can be spent AND the insurer say you don't have to list unspent convictions, later you should list them.
You don't say where on earth you are. If it is in the UK, then caution are not convictions, and you don't have to list them (unless the insurer is also asking you to account cautions).
Come the end of the day, it is unlikely they will be interested surrounded by cautions that are 15 years old, even though they are crimes involving dishonesty. But if they are interested contained by them, and it is relevant to your premium or whether they would accept you as a risk in the first place, and you don't aver them, then your insurer could void the contract latter (that is, it could deny you a claim).
So my advice would be: (i) check whether they are asking for you to disclose cautions that happen 15 years ago; and (ii) if they do, or if you are unsure as to the answer, disclose them.
If you enjoy a felony you have to put it down. Misdemeanors don't count for much. The reason is they want to know if you own a tendency for fraud.
If they appear on a police check then yes.
1 They don't want to be open to fraudulent claims
2 They will do anything not to earnings the claim and if you have lied or misrepresent anything on the form; the insurance is void.
everything asks if u enjoy a criminal record.
no I don't think so. I think the conviction stays on transcript for 7 years, not sure!
They might see it as a giant risk and charge you more..
Being a criminal increases your chances of anyone shot, getting injured or killed.
chance of fraud.
Related Questions:
Answers:
I guess because they think citizens with a conviction are a higher risk. If you tell stories AND later have a loss they will look for any defence not to pay you- and bingo--you gave them one.
Insurance companies only want to take on clients who represent low risk. If you hold a string of (even minor) offences they'll consider you a person who might be tempt to make a fraudulent claim. If you don't declare your ancient convictions and you make a genuine claim, the average insurance company will use that omission (should they find out) as a polite reason not to pay you. So get a note of your past, but point out the convictions occur when you were young and new.
An insurance contract is a contract of the utmost good reliance - you have to tell the insurer of anything that might be valid. Unless you are in a jurisdiction where convictions can be spent AND the insurer say you don't have to list unspent convictions, later you should list them.
You don't say where on earth you are. If it is in the UK, then caution are not convictions, and you don't have to list them (unless the insurer is also asking you to account cautions).
Come the end of the day, it is unlikely they will be interested surrounded by cautions that are 15 years old, even though they are crimes involving dishonesty. But if they are interested contained by them, and it is relevant to your premium or whether they would accept you as a risk in the first place, and you don't aver them, then your insurer could void the contract latter (that is, it could deny you a claim).
So my advice would be: (i) check whether they are asking for you to disclose cautions that happen 15 years ago; and (ii) if they do, or if you are unsure as to the answer, disclose them.
If you enjoy a felony you have to put it down. Misdemeanors don't count for much. The reason is they want to know if you own a tendency for fraud.
If they appear on a police check then yes.
1 They don't want to be open to fraudulent claims
2 They will do anything not to earnings the claim and if you have lied or misrepresent anything on the form; the insurance is void.
everything asks if u enjoy a criminal record.
no I don't think so. I think the conviction stays on transcript for 7 years, not sure!
They might see it as a giant risk and charge you more..
Being a criminal increases your chances of anyone shot, getting injured or killed.
chance of fraud.
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