What happens to car insurance if you have criminal conviction in Australia, you must disclose criminal convictions like drink driving, dangerous driving, drug driving and fraud to insurer, as non-disclosure may void policy, and convictions may increase premium 20% to 100% or cause refusal, with drink driving conviction increasing comprehensive premium $800 to $1,500 to $1,200 to $2,500. If you have criminal conviction, especially motoring convictions like drink driving, dangerous driving, drug driving, unlicensed driving and fraud, you must disclose to insurer at application and renewal, as insurance contract requires utmost good faith, and failure to disclose may void policy and claim denied $10K to $50K. Drink driving conviction typically increases comprehensive premium 50% to 100%, from $800 to $1,500 to $1,200 to $2,500, and may require excess increase $500 to $1,500, and some insurers may refuse cover. Non-motoring convictions like theft, assault generally do not affect car insurance premium but must be disclosed if insurer asks about criminal record, though most car insurers only ask about driving convictions in last 5 years, not all criminal convictions. For example, driver with drink driving conviction 2 years ago, comprehensive $20K car premium $800 normally, now $1,400 with 75% loading, with 2 years no claims discount lost. So if you have criminal conviction, disclose driving convictions to insurer, premium may increase 20% to 100% for drink and dangerous driving, or refusal, and non-disclosure may void policy $10K to $50K claim, with non-motoring convictions generally less impact but disclose if asked.
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