Expired Speeding Conviction
I have three points on my licence from a speeding conviction that expired after four years, so why do you ask whether I have had any convictions in the last FIVE years?
Insurers base the cost of their premiums on the risk that they perceive you to be. Statistically drivers who have had motoring convictions in the last five years are more likely to make a claim than those who have not. However, the likelihood of a four-year-old conviction having a substantial impact on the cost of your car insurance in small.