A large number of drivers are paying much more than they should be for their car insurance policies.

The DVLA have recently released figures showing that close to three million drivers declare convictions that they no longer need to. By declaring spent convictions drivers are overpaying for their insurance. The average insurance premium increases by £57 if you add three penalty points for a speeding offence to your application.

Due to confusion over conviction dates or by providing more information that required on applications, around 7% of drivers unknowingly declare spent convictions to insurance firms. This equates to around 2.8 million drivers overpaying for their insurance policy.

Questions that are open to interpretation on insurance forms can also lead people to declare points and convictions that they are no longer required to.

If you’re unsure about what information you should provide to insurance firms, honesty is always the best policy. Car insurance for convicted drivers is often more expensive and harder to arrange but things can get much worse if you do not disclose what you are legally obliged to. If you provide information that is untrue or inaccurate you could find that your car insurance policy is void – this could lead to further driving or even criminal convictions.

Malcolm Tarling, who works for the Association of British Insurers (ABI) said “Where an insurers asks about motoring offences you should answer fully and honestly”.

Most car insurance companies will ask you to provide information about any convictions you have received in the last five years. Penalty points received for offences generally remain on your license for a four year period, but must still be disclosed for five years after the date of the conviction. More serious offences, such as drink driving, can remain on your license for much longer.

The bottom line is that if you’re asked something on an insurance application, answer it honestly. Make sure you’re aware of when your convictions no longer need to be declared, though, or you will end up paying more than you need to for your insurance!

If you have driving convictions we’re here to help. We can provide convicted driver insurance for almost all circumstances from criminal conviction car insurance to insurance for convicted drink drivers.