WHAT CONVICTIONS SHOULD I DISCLOSE?

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.

 

Rehabilitation of Offenders Act 1974

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):

 

Note on Multiple Convictions

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.

 

IMPORTANT INFORMATION

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.

 

Examples of where the law of Scotland or Northern Ireland will apply:

For private individuals:

- 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

 

For businesses:

The business you are looking to insure is registered to or trades from and address in Scotland or Northern Ireland

If you are in any doubt as to what law applies, please contact us on 0800 4402414

Please CLICK HERE for disclosure periods relating to Scotland and Northern Ireland.

 

Rehabilitation Periods – Adults

Adults Rehabilitation Table

 

Rehabilitation Periods – Under 18

Under 18 Rehabilitation Table

 

Notes about the tables

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).

  1. The term ‘prison’ includes suspended prison sentences, youth custody, detention in a young offender institution or corrective training.
  2. From the day on which the sentence (including any licence period) is completed.
  3. From the day on which the sentence (including any licence period) is completed.
  4. From the day on which the sentence (including any licence period) is completed.
  5. Passed under section 91 of the Powers of Criminal Courts (Sentencing) Act 2000 or under section 206 of the Criminal Procedure (Scotland) Act 1975
  6. Starting from the date of conviction relating to the sentence.
  7. Starting from the day on which the sentence is completed.
  8. From the date of conviction.
  9. The date on which the payment is made in full.
  10. From the end of the order. This period starts from the last day of when the order given by the court has effect. Where no such date is provided, the rehabilitation period for the order is 2 years, starting from the date of conviction.
  11. From the last day on which the order is to have effect.
  12. The day provided for by or under the order as the last day on which the order has effect.
  13. Under the Mental Health Act 1983.
  14. Spent as soon as issued.