I don’t work in the insurance industry, but as far as I’m aware :-1 - They ask about criminal convictions to establish how honest you are i.e. someone with convictions for theft/dishonesty offences is likely to make fraudulent claims etc, and I believe that they consider people with criminal records more likely to be victims of crime.2 - I would phone all the companies who advertise in the back of MCN. A lot of them advertise that they will cover people with convictions.3 - Technically they shouldn’t be able to use your criminal convictions if they’ve been ‘spent’ however I think it depends on the exact question they ask you. The link below may helphttp://www.lawontheweb.co.uk/rehabact.htm The driving convictions are a lot harder to argue against as they have a clear link to the insurance you are buying…but I think there is an explanation on the above web page about that too.Good Luck, but I think it’s going to be expensive
almost everything affects urinsurance quote…from if u dont declare a new sticker on ur petrol tank to if uve ever farted in a crowded car…they make the rules up as they go along i swear…
call EVERYONE…sounds dumb but on one of my quoting sprees…i managed to get my premium down from 1600 about 540 quid on a hypothetical bandit 600…which is quite good considering 0 experience…live in south london with no garage and a record for farting in crowded cars
i thinks it about 5 years…but that may vary company to company…
I think your conviction will be spent after ten years from conviction - Check here
As for why convictions make a difference, insurers suffer a lot from insurance fraud - false details, staged accidents, false thefts etc. People with criminal records are statistically more likely to commit criminal acts.
People who have bans are statistically more likely to have accidents.
I know you don’t want to hear this, but in your situation you would almost certainly be better off building up a no claims bonus on smaller bikes that you can get insured on and getting an r1 in several years time.
Just re-read the original post. If you’re buying a brand new R1 I would try Yamaha Insurance through the dealer, they might be able to cut a deal for you as you are buying a new R1, also try and see what the dealer suggests…it’s in his interests to get some insurance sorted for you, if he wants to sell yo a £9k bike