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Why QuoteSearcher for Convicted Driver Insurance?
A driving conviction can happen to even the best of drivers. Each year, more and more vehicles are crowding UK roads, meaning more accidents, more traffic, and more driving stress. And with technology improvements in speed cameras and traffic control, there are more ways to be caught for an infringement. Although a driving conviction can be a costly experience, it can still be affordable to ensure you and your vehicle, and allow you to build up your NCB again.
Whether you were convicted under a DR10 Drink Driving Conviction , an SP30 Speeding Conviction, a TT99 Conviction (penalty points exceed 12 within 3 years) or you were caught driving without insurance (IN10 Conviction), all of them will affect your insurance premium, with many UK insurers taking harder stances than others. We can help you find insurers who specialize in insuring individuals with driving convictions.
At QuoteSearcher, we have a lot of experience in dealing with convicted driver insurance, and indeed the brokers that offer such policies. We know that maintaining a driver’s license is integral, which is why we aim to take as much of the legwork from you as possible.
Policy Features
Having a driving conviction has an impact on your insurance as it makes you a higher risk. Our specialist brokers provide unique policies tailored for drivers with convictions. Despite paying a higher premium to be insured, these are some of the features your policy could include:
Legal Cover
Covers the cost of any legal expenses incurred after policy start. Find out more about Legal Cover for convicted drivers.
Breakdown Cover
Roadside assistance for your vehicle in the event of a breakdown. Find out more about Breakdown Cover.
EU Cover
Stayed covered even when using your vehicle to travel around Europe. EU Cover for convicted drivers.
Protected No Claims Bonus
Maintain your NCB when moving to a convicted driver policy
Most Common Driving Offences
The most common driving offences in the UK are drink, speed and dangerous driving related, with the most common being:
SP30
Exceeding Statutory Limit on a Public Road
DR10
Driving Above the Legal Alcohol Limit
CU80
Breaching Control of the Vehicle
DD40
Dangerous Driving
IN10
Using a Vehicle Uninsured Against Third Party Risks
TS10
Disobeying traffic light instructions
TT99
Penalty points exceed 12 within 3 years
Ways to Lower Insurance Premium
Once approved for a policy, convicted drivers can lower their premiums with the following:
High Excess
Higher excess can mean lower premiums.
Low Mileage
Restricting mileage lowers vehicle risks. Find out more about Limited Mileage Cover.
Telematics
Installing a black box to monitor driving behaviour.
Driving Courses
Rehabilitation to improve awareness and ability.
Disqualified Driver
Disqualification means you are banned from driving. This is either as a result of being convicted of a serious enough driving offence, or by accruing 12 or more penalty points (endorsements) within a 3 year period. The length of the disqualification depends on the nature of the offence, as follows:
- 6 month ban if you get 12 or more points in 3 years
- 12 month ban if you get a 2nd disqualification within 3 years
- 24 months if you receive a 3rd disqualification
If you are disqualified for more than 56 days, you must apply for a new license before you can start driving again. The court may order you to retake your driving test or take an extended driving test before getting your new license. You may apply to have your disqualification period reduced after you have been banned from driving for:
- 2 years if the disqualification is between 2 and 4 years
- Half the disqualification period if it is between 4 and 10 years
- 5 years if you disqualification is for over 10 years
Frequently Asked Questions About Convicted Driver Insurance
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I just wanted to say how impressed I was with the ease in which I managed to purchase my very reasonably priced insurance online.