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Careless driving convition

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  • 30-03-2017 12:42pm
    #1
    irishgeo
    Registered Users Posts: 9,508 ✭✭✭


    does a careless driving conviction ever expire or do i have to tell motor insurance companies about it forever. it happened over 10 years ago.


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    #2
    boardsuser1
    Closed Accounts Posts: 6,196 ✭✭✭boardsuser1


    irishgeo wrote: »
    does a careless driving conviction ever expire or do i have to tell motor insurance companies about it forever. it happened over 10 years ago.

    I was convicted of careless driving 10 years ago, it remains attached to your record for life.

    HOWEVER!!!!!!

    After 7 years it is not disclosed.

    Most companies only ask for convictions within the last 5 years.

    Mine no longer appears for vetting either but indefinitely remains on the garda pulse system.


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    #3
    gustafo
    Registered Users Posts: 1,759 ✭✭✭gustafo


    yes after 7 years it's classed as a spent conviction, meaning you don't have to disclose it to insurance company's when getting a quote.


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    #4
    peteb2
    Registered Users Posts: 1,813 ✭✭✭peteb2


    Spent convinction legislation doesn't matter and insurance companies ask if ever. They don't restrict to 5 years. That's claims.


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    #5
    HeidiHeidi
    Registered Users Posts: 29,374 ✭✭✭✭HeidiHeidi


    peteb2 wrote: »
    Spent convinction legislation doesn't matter and insurance companies ask if ever. They don't restrict to 5 years. That's claims.
    I got a quote the other day (can't remember which company though) and they specifically said not to disclose convictions that were older than 5 (or maybe it was 7, couldn't swear to it but it was definitely a single digit!) years.

    First time I've ever seen that, mind you.


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    #6
    L1011
    Registered Users Posts: 69,013 ✭✭✭✭L1011


    peteb2 wrote: »
    Spent convinction legislation doesn't matter and insurance companies ask if ever. They don't restrict to 5 years. That's claims.

    They can ask all they want - the conviction no longer exists if spent.

    The legislation would be utterly useless if you could simply ask people to continue to disclose. Insurers love people to fall for it though.


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    #7
    9935452
    Registered Users Posts: 2,757 ✭✭✭9935452


    L1011 wrote: »
    They can ask all they want - the conviction no longer exists if spent.

    The legislation would be utterly useless if you could simply ask people to continue to disclose. Insurers love people to fall for it though.

    It depends on the wording though.
    'have you ever been convicted ?'
    The conviction might not exist anymore but you were convicted at some stage .


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    #8
    L1011
    Registered Users Posts: 69,013 ✭✭✭✭L1011


    9935452 wrote: »
    It depends on the wording though.
    'have you ever been convicted ?'
    The conviction might not exist anymore but you were convicted at some stage .

    It doesn't. What would be the point of the legislation if someone could just ask the same question a tiny bit differently?


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    #9
    boardsuser1
    Closed Accounts Posts: 6,196 ✭✭✭boardsuser1


    9935452 wrote: »
    It depends on the wording though.
    'have you ever been convicted ?'
    The conviction might not exist anymore but you were convicted at some stage .

    That's their way of trying to catch you out.

    You declare a conviction they'll load you to the hilt.

    €€€€€€€€€€'s


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    #10
    irishgeo
    Registered Users Posts: 9,508 ✭✭✭irishgeo


    KC161 wrote: »
    That's their way of trying to catch you out.

    You declare a conviction they'll load you to the hilt.

    €€€€€€€€€€'s

    I didn't get a quote when I ticked conviction and I did when I left it out.

    If they could ask for penalty points in the same way and they never expired you would never get a decent quote.


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    #11
    boardsuser1
    Closed Accounts Posts: 6,196 ✭✭✭boardsuser1


    irishgeo wrote: »
    I didn't get a quote when I ticked conviction and I did when I left it out.

    If they could ask for penalty points in the same way and they never expired you would never get a decent quote.

    That's nearly always the way.


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    #12
    9935452
    Registered Users Posts: 2,757 ✭✭✭9935452


    KC161 wrote: »
    9935452 wrote: »
    It depends on the wording though.
    'have you ever been convicted ?'
    The conviction might not exist anymore but you were convicted at some stage .

    That's their way of trying to catch you out.

    You declare a conviction they'll load you to the hilt.

    €€€€€€€€€€'s

    True but if they ask were you ever convicted and you answer no you might be risking your insurance being cancelled for non disclosure.
    It doesnt matter if the legislation has changed.
    If the insurance company asks whether you were ever convicted you should tell them .


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    #13
    L1011
    Registered Users Posts: 69,013 ✭✭✭✭L1011


    9935452 wrote: »
    True but if they ask were you ever convicted and you answer no you might be risking your insurance being cancelled for non disclosure.
    It doesnt matter if the legislation has changed.
    If the insurance company asks whether you were ever convicted you should tell them .

    Except the legislation was changed to stop this. They can ask any way they want but conviction is still gone. You do not need to disclose it, they can't find out and if they did it could not be considered non disclosure as it doesn't exist anymore.


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