Car insurance, are they allowed to ask if you hold any convictions, excluding motor ones?
I have just be asked.
I havent got any but find it really cheeky, I understand them asking for motoring convictions but what business is it for any other convictions?
Answers:
As they have to insure you they requirement to know in order to cover you properly. If you have convictions and didn't tell them then you wouldn't be covered.
Yes they can. I work in insurance and though we don't ask for our motor insurance policies, we do for our home and/or contents policies. The pretext some ask is, quite obviously, a criminal is more plausible to put in a claim for something than someone who has other been law-abiding.
Indeed, any time you apply for insurance or a job or something close to that, they are entitled to ask the question. That said, you don't always hold to tell them even if you have have some, depending on what the conviction was, what the sentence was and how long ago it be. It depends on the Rehabilitation of Offenders act of 1974 (which I probably have to verbs out of my files once every few weeks). I'll stick a link to the details in the source. Source(s): http://www.lawontheweb.co.uk/rehabact.ht…
Well, I'm guessing that somebody next to multiple drug charges is probably a greater risk of having an accident than someone who doesn't. I can have a sneaking suspicion that of lots of other reasons a record could affect your insurability.
As beside other companies, insurance companies have no obiligation to give you insurance, they can ask in recent times about anything they want to characterize your risk.
the BIGGEST invasion of privacy is that little "black box" beneath your car. it "squeals" on you if:
you don't wear a seat belt
speeding
erratic [ dui ] driving
go amiss to apply brakes in a collision
some even have gps unit built in [ look out Enterprise ] and record out of nouns visits
OnStar has a gadget to inspect your saloon for any kind of maintenance problem and guess who get access to THAT info ??
police
insurance company
and you're worried about a background ? !
All official want every detail of your life to add to the computerised documents they already hold in the UK. Most spied on, most taxed and most brain late population now to judge from the answers to your most credible question.
Yes. If I was an insurer doesn't thing what kind, I wouldn't insure someone that was ever convicted of robbery, murder or felony. I don't want them to file a false claim and pay them money. Most insurers turn back about 10 years or more. You can check online who have what criminal history. Each state has a different website here's Wisconsin's. Click on the I agree button and the next page adjectives you really need is their name(first and last forget the middle). I hold searched using just name and with a birthday and middle name. You will capture people with like names, just force out through it and google (your state) circuit court records I'm sure something will come up. Source(s): http://au.wrs.yahoo.com/_ylt=A0geumamSyt…
Your history of convictions ( bar motoring ) is all part of your assessment to be insured. For example, saloon insurance for musicians, antique dealers and students costs more because your occupation is assessed as a higher risk, neutral or otherwise. Likewise, if you are a model citizen, you will be a better risk than someone with a string of convictions ( on the surface! ). Hence, the question.
Yes
Its impossible to tell apart with public liability insurance, etc
someone with convictions is more promising to be a "risk taker",
they have already tried (unsuccessfully) to get away beside something.
Related Questions:
I havent got any but find it really cheeky, I understand them asking for motoring convictions but what business is it for any other convictions?
Answers:
As they have to insure you they requirement to know in order to cover you properly. If you have convictions and didn't tell them then you wouldn't be covered.
Yes they can. I work in insurance and though we don't ask for our motor insurance policies, we do for our home and/or contents policies. The pretext some ask is, quite obviously, a criminal is more plausible to put in a claim for something than someone who has other been law-abiding.
Indeed, any time you apply for insurance or a job or something close to that, they are entitled to ask the question. That said, you don't always hold to tell them even if you have have some, depending on what the conviction was, what the sentence was and how long ago it be. It depends on the Rehabilitation of Offenders act of 1974 (which I probably have to verbs out of my files once every few weeks). I'll stick a link to the details in the source. Source(s): http://www.lawontheweb.co.uk/rehabact.ht…
Well, I'm guessing that somebody next to multiple drug charges is probably a greater risk of having an accident than someone who doesn't. I can have a sneaking suspicion that of lots of other reasons a record could affect your insurability.
As beside other companies, insurance companies have no obiligation to give you insurance, they can ask in recent times about anything they want to characterize your risk.
the BIGGEST invasion of privacy is that little "black box" beneath your car. it "squeals" on you if:
you don't wear a seat belt
speeding
erratic [ dui ] driving
go amiss to apply brakes in a collision
some even have gps unit built in [ look out Enterprise ] and record out of nouns visits
OnStar has a gadget to inspect your saloon for any kind of maintenance problem and guess who get access to THAT info ??
police
insurance company
and you're worried about a background ? !
All official want every detail of your life to add to the computerised documents they already hold in the UK. Most spied on, most taxed and most brain late population now to judge from the answers to your most credible question.
Yes. If I was an insurer doesn't thing what kind, I wouldn't insure someone that was ever convicted of robbery, murder or felony. I don't want them to file a false claim and pay them money. Most insurers turn back about 10 years or more. You can check online who have what criminal history. Each state has a different website here's Wisconsin's. Click on the I agree button and the next page adjectives you really need is their name(first and last forget the middle). I hold searched using just name and with a birthday and middle name. You will capture people with like names, just force out through it and google (your state) circuit court records I'm sure something will come up. Source(s): http://au.wrs.yahoo.com/_ylt=A0geumamSyt…
Your history of convictions ( bar motoring ) is all part of your assessment to be insured. For example, saloon insurance for musicians, antique dealers and students costs more because your occupation is assessed as a higher risk, neutral or otherwise. Likewise, if you are a model citizen, you will be a better risk than someone with a string of convictions ( on the surface! ). Hence, the question.
Yes
Its impossible to tell apart with public liability insurance, etc
someone with convictions is more promising to be a "risk taker",
they have already tried (unsuccessfully) to get away beside something.
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