Convicted Driver Car Insurance

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This may be because the conviction represents a higher level of risk, and insurers increase premiums for these drivers accordingly. Call us on to add this to your cover. How long this takes depends on your sentence.

Minimising Premium Costs While it could prove tricky to get convicted driver insurance cheap, a convicted driver may have a number of options to try and reduce the cost of premiums. You will have to declare your motoring offences and unspent criminal convictions for three to five years, depending on the insurer. Convicted Driver Insurance Some insurers will charge those who have drink driving or speeding convictions unreasonable prices, or shy away from them altogether, but we recognise that our customers need affordable insurance for their vehicle before they can make the best of their second chance.

Convicted Driver Car Insurance

Why might you need car insurance for convicted drivers? A criminal conviction could make it difficult for you to get , and even if you do find cover, car insurance for convicted drivers is often much more expensive than for those without convictions. This means drivers with a conviction are sometimes considered too high-risk to insure. Will I get insurance if I have a conviction? If you have a conviction for burglary, for instance, you might get car insurance cover, but you could be refused if you were convicted for dangerous driving. But, regardless of however difficult you might find it to get cover, and whatever price you are quoted, car insurance is compulsory so you must sort out a policy of you intend to drive. Not only is it illegal to drive without cover, but your car must be insured at all times. Failure to have at least a third party car insurance policy in place could result in your car being clamped, seized or even destroyed. Criminal convictions become spent, or can be ignored, after a certain period, the length of which depends on your sentence. So, for example, if you were given a fine or community service, your conviction could be spent after five years. How long this takes depends on your sentence. A prison sentence lasting less than six months would be spent two years after, according to the Rehabilitation of Offenders Act. A prison sentence lasting over four years will never become spent and must always be declared. Failure to reveal convictions could invalidate your policy, meaning that any claims would be refused and you would essentially be driving whilst uninsured. Getting insurance when convicted of driving offences Insurance for drunk drivers: Not unsurprisingly, drink driving is seen as a very serious offence by insurance companies because the potential for both damage to property including your own car and for injuries or death, is substantial. To reflect this, you can expect your car insurance premium increase to perhaps double, you will have to pay much larger voluntary excess if you claim, and some insurers will refuse to insure you altogether. You must declare a drink driving conviction for three to five years, depending on the insurer. However, if your driving offence is more serious — death by dangerous driving, for example — then you will see the conviction stay on your licence for up to 11 years. The same goes for driving whilst under the influence of drugs. Insurance for banned drivers: If you are banned disqualified from driving for getting points on your license 12 or more penalty points within three years from either speeding, driving erratically or driving either uninsured or without a license you will face higher car insurance costs. Car insurance with points: Different offences have a different tally of penalty points, ranging from three to 11 points and depending on how serious the offence was, will stay on your licence for four to 11 years. Understandably, the more points you have the higher your insurance premiums could be. You do not have to tell your insurer about your attendance on the scheme and NDORS will not disclose the information to anyone, but if you choose to disclose it yourself then your insurance premium may increase because you have broken the rules of the road. They can also advise people on which brokers accept which kind of convictions. You should always try to from as many different insurers as possible to ensure you find the right deal at the right price. How to get cheaper car insurance for convicted drivers Once you have found cover, there are various ways that drivers with convictions can keep the cost of convicted driver insurance premiums down. The voluntary excess is the portion of any insurance claim which you must pay yourself. The lower your mileage, the less your premiums will cost. Insurance is based on risk, so the more you are on the road the higher the risk of an accident. Keeping your car in a well-lit area if possible, and make sure the car is fitted with an approved alarm and immobilizer, should help reduce the cost of your quote. Otherwise known as , this is when a device records your driving abilities to calculate your premiums. Registered Office: Moneysupermarket House, St. David's Park, Ewloe, CH5 3UZ. Telephone 01244 665700 Important information Here's some important information about the services MoneySupermarket provides. Please read and retain for your own records.

Criminal convictions become spent, or can be ignored, after a certain period, the length of which depends on your sentence. If you have a conviction for burglary, for instance, you might get car insurance cover, but you could be refused if you were convicted for dangerous driving. Excess Recovery will refund all or part of your excess in the event of a claim for an accident, a theft or fire, or an incident where there is no third party to claim from. The insurance broker could explain to the insured the cost of higher limits may be much less than the consequences of having inadequate insurance limits is a catastrophic claim occurs. Options could include breakdown insurance, which provides roadside assistance in the event of a breakdown, and legal expenses cover for situations where a third party involved in an accident makes a compensation claim. Use Quotezone to get motor insurance with convictions Excessive points on your license, speeding, or dangerous driving can all lead to a driving ban, and you may have to retake your test.