Invalidating a police caution
Invalidating a police caution - average length of time dating before getting engaged
If your convictions are spent under the Rehabilitation of Offenders Act, you will not need to declare them to insurance providers regardless of the questions you may be asked.If you are not sure whether your convictions are spent, please see here for further advice or contact us on 03 or [email protected]
The rise in online ‘prank’ videos is also being blamed for an increase in criminal damage against vehicles.“More than one in eight (12 per cent) owners believed their car was targeted because the perpetrator thought it would be fun or a prank.“People also think that alcohol (nine per cent) and boredom (seven per cent) are reasons for people damaging their vehicles."What’s more is drivers could have their car insurance premium invalidated by being a victim of vandalism.Do I need to declare cautions when applying for insurance?Do I need to declare convictions when applying for insurance?A fifth (20 per cent) of all cautions over the past three years were issued by police to youths, rising from 18 per cent in 2015 to 21 per cent in 2017.
While those who cause less than £5,000 of damage to a car can receive maximum penalties of a £2,500 fine or three months imprisonment, many of those the police investigate for this crime are only given a caution.If you have a simple caution, or a reprimand or final warning, you do not need to declare these when applying for insurance.Simple cautions, reprimands and final warnings are spent immediately under the Rehabilitation of Offenders Act.If you received a fixed penalty notice for a road traffic offence, you will need to disclose this to motor insurance providers for five years if you were 18 or over at the time, or two-and-a-half years if you were under 18 at the time.If you declare a fixed penalty notice to an insurance provider, it is a good idea to ask them for written confirmation of your declaration in case you need to make a claim.What is problematic for the driver is finding a suitable justification where they were absolutely not at-fault.