I've not had insurance in my own name for over 10 years. I've driven company vehicles and just been on my wifes policy as insured and spouse.
There was no need to let the insurance company know i was banned, But we have left the insurance as it is.
When i get my licence back, I could just jump in my wifes car as i'm on the policy.
If the police pulled me (which is quite likely), Do you suppose they would check with the insurance company to see if i'd disclosed my convictions?
I wouldn't have lied to them in any way. I've just not told them anything.
As to whether the Police will check this specifically, they are unlikely to find out about your deception with initial checks. However.....
There
is/was a need to let your insurance company know you were banned. Do not even think about driving until you have disclosed your convictions to them.
If you dont declare any convictions its a fraudulent declaration and will invalidate your insurance immediately should you try to make a claim or a claim be made against you. This information will be passed onto the Police who will prosecute you and see you back in Court. You could also be liable to pay for any and all damage or injuries caused, which could be
very costly. It is also likely to affect your wife too as she is the policy holder.
Just because you are on the policy it doesnt mean you can drive when you get your licence back because as you havent disclosed any convictions you are effectively driving without valid insurance.
You have a duty to tell them of any convictions (read the policy small print) so to say you havent lied is not a get out clause.
Insurance should
never be messed around with, it needs to be spot on correct. You are either insured or you are not, no ifs no buts.
The penalties for driving without valid insurance are the same as the penalties for uninsured drivers which could get you a fixed penalty fine of £300 plus 6 points on your licence.
Absolutely no offence europhil but you have recently got out of prison for driving whilst disqualified! Have you not learned to abide by the rules of the road after all that?? Is it really worth risking more trouble? I think not.
May sound harsh but the insurance companies will look for any excuse to invalidate any claim or policy so dont give them an easy reason..... fess up and get legal!!