If a conviction is 'spent' you do NOT need to disclose it to us or any other insurer- see table below for details of when convictions are 'spent'. If you have multiple convictions you may need to disclose older convictions that would otherwise be 'spent' as later convictions may increase the disclosure period for older offences- see 'Further Convictions' section below chart.
If you have any convictions that are not 'spent' under the 'Rehabilitation of Offenders Act' below then you MUST disclose them to you insurer.
Under the Rehabilitation of Offenders Act 1974 criminal convictions can become spent or ignored after a rehabilitation period, although they remain on the Police National Computer. The rehabilitation period varies depending on the sentence or order imposed by the court - not the offence. Custodial sentences of more than four years can never become spent. The tables below detail timescales of when certain convictions become spent, these periods apply to the ORIGINAL sentence given (not time served):
If a rehabilitation period is still running and the person concerned is convicted of another offence before the previous conviction is spent then neither conviction will become spent until the rehabilitation periods for both offences are over.
Once a conviction becomes spent, it remains spent, even if a person is convicted of other offences later.
The rehabilitation tables relate only to risks where the law of England and Wales apply. Where the law of Scotland or Northern Ireland apply the disclosure periods differ.
- Your home address is in Scotland or Northern Ireland
- The property you are insuring is in Scotland or Ireland
- The vehicle you are insuring is kept at/registered to an address in Scotland or Northern Ireland
The business you are looking to insure is registered to or trades from and address in Scotland or Northern Ireland
If a sentence/disposal is not is covered in the table above, under the changes it has no rehabilitation period and becomes spent immediately (unless it is attached to another sentence/disposal which does have a rehabilitation period).