Why do insurance companies ask about non-motoring convictions?

It’s standard for most insurance companies to ask the question about non-motoring convictions. It gives an indication of the moral hazard/risk of the insured. For example, if a driver had been found guilty of dishonesty, fraud or theft then the insurance company is less likely to accept them as a policyholder because of this or will charge more for a policy.

However they don’t ask for the specific details of the non-motoring conviction as there are too many to choose from and they are constantly changing, instead we just ask if you have a non-motoring conviction.

Please note: Spent convictions don’t need to be disclosed under the Rehabilitation of Offenders Act 1974

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