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.
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.
We ask for a few bits of information which we then take directly to our wide-ranging panel of brokers. They will get in touch with you to provide you with a competitive, comprehensive insurance quote.
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:
Covers the cost of any legal expenses incurred after policy start
Roadside assistance for your vehicle in the event of a breakdown
Stayed covered even when using your vehicle to travel around Europe
Protected No Claims Bonus
Maintain your NCB when moving to a convicted driver policy
Ways to Lower Insurance Premium
Once approved for a policy, convicted drivers can lower their premiums with the following:
Higher excess can mean lower premiums.
Restricting mileage lowers vehicle risks
Installing a black box to monitor driving behaviour
Rehabilitation to improve awareness and ability
Most Common Driving Offenses
The most common driving offenses in the UK are drink, speed and dangerous driving related, with the most common being:
Exceeding Statutory Limit on a Public Road
Driving Above the Legal Alcohol Limit
Breaching Control of the Vehicle
Using a Vehicle Uninsured Against Third Party Risks
Disobeying traffic light instructions
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
Most people think that you only need convicted driver insurance if your conviction relates to a driving issue, however this is often not the case. Even if you have been convicted of fraud, theft, or aiding and abetting it is more than likely that some car insurance providers will refuse to cover you as they believe you pose more of a risk. However, the impact of convictions on insurance policies varies, so if you want to make sure you are getting the best price you should always think of convicted driver insurance as an option.
Unfortunately, most insurance providers charge higher premiums for convicted drivers, which is why we talk to a number of them on your behalf in order to get you the best price. There are ways you could reduce the cost yourself however, such as increasing the amount of the excess for the policy. After a few years of careful driving you will also start accruing no-claims periods, which could reduce your insurance premiums in the future.
I bought my insurance online before and the quote process was so lengthy and complicated compared with the process on your site. Great stuff!
Mike Dennis - Woking
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Jenny Doulton - Lincoln
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