Please help...what is a criminal record and who gets a criminal record this my situation i was with norwich?

union car insurance from 2002 and ended in 2004 in 2003 i had 2 accidents with norwich union which were both seen 2 b my fault i didnt claim for my car my the other parties did for their car. from 2003-2004 i earned from norwich union 1 yr no claims bonus but when they went to renew my insurance they tried to charge me double so i decided to go else where which was with more than i produced to more than the 1 yr no claims from norwich union but did not inform them about the accidents as i thought coz i earnt that one year it wasnt a concern to them. since being with more than for 4yrs i havent claim anything off them. this year 22/12/07 i skidded on ice and hit the back of another car but i have with more than no claims protected bonus for life and 4yrs no claims my worry is they are still investigating the accident but the agent 2day nofity my dad of the claims i had b4 with norwich union and my dad said its nothing to do with them can i get a criminal conviction