Entries on an individual's criminal records. In addition to affecting one's ability to get employment, some lenders may look at convictions when making a lending decision. A conviction for fraud would make an individual a particularly high risk to many financial institutions, whereas speeding or road traffic offences will affect motor insurance policies.

Motoring Convictions Conviction details include a code such as SP30 as well as a number of penalty points. Conviction details can be found on your licence; on photo card licences, details are found on the paper section. Non-motoring Convictions To be eligible for an online car insurance quote, you nor any proposed driver has been convicted of any non-motoring convictions, e.g. theft, dishonesty or fraud within the last 5 years, nor ever suffered a term of imprisonment.

Motor insurers are usually only interested in motoring offences Non motoring convictions should have no effect on your premium

Convictions subject to the Rehabilitation of Offenders Act (ROOA) have to be declared to the Insurer otherwise your policy cover could be voided. Any criminal convictions, including motoring convictions, fixed penalties and pending convictions have to be declared. Watch out for the ROOA as some convictions have to be declared for up to 12 years. If in doubt declare the facts – your Insurer will ignore it if it doesn't apply because they have to by law.

A judgment of guilt against a criminal defendant.