Drink driving bans - insurance

[NarcissistMum]

My mother has recently had an operation and while she recovers she has put my sister on her car insurance so she can take her for appts etc. I asked DM if it cost her extra, and she said no, when she added my sister she got a £2.50 rebate!

My sister has a conviction for drink driving and was banned for a year, about 9/10 years ago. My mother definitely does not know this. I don't drive myself, so have never arranged motor insurance so don't know what you have to disclose. My fear is that if my sister is witholds that information from the insurance co and there is an accident, any insurance would be null and void and that other people could suffer financially. Does a driving ban become spent, and you don't have to mention it after a certain period of time?

I am NC with sister, but I know my mother would be horrified if she thought she was driving around with effectively no insurance.

www.thinkinsurance.co.uk/personal/convicted-driver-insurance/finding-car-insurance-after-a-drink-driving-ban

It seems that yes, your mum will have to mention this to insurance as your sister will have points on her licence if this is less than 11 years ago.

The requirement is to declare the conviction if the insurer asks the question (I believe) and will vary between insurers as to timeframe. Eg some will ask for any convictions in last 5 years (others will ask re a longer period). So technically your mum may well have answered correctly if asked for convictions in last 5 years. Although it sounds like she may have answered correctly by default .... if the question was "any D/D convictions in last 10 years", that should probably be a different answer.

So, only by knowing the questions asked by your mum's insurer and the exact date of your sister's disqualification would you know for definite.

And yes it's possible it could invalid the insurance in the event of any claim, if your mum answered incorrectly (whether intentionally or not).