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Convicted drivers insurance
Searching for the best convicted driver insurance quotes can be tough, but Quotezone.co.uk has you covered!
If you’ve been convicted of a motoring offence you probably already know that the cost of your car insurance is likely to rise quite considerably when you come to renew your policy, since insurance providers view convicted drivers as higher risk than a motorist with a clean driving record.
However, that doesn’t mean you shouldn’t shop around for the best deals. In fact, when your premiums are likely to rise it becomes even more important that you compare quotes from a wide range of different providers, because that way you increase your odds of finding a suitable convicted driver insurance policy at a price that won’t break the bank.
And that’s where we come in – Quotezone.co.uk’s convicted driver car insurance comparison service can help motorists with points on their licence, speeding convictions, drink driving convictions or other motoring convictions compare quotes from a vast range of different providers side by side. Convicted driver insurance isn’t likely to be cheap, but with Quotezone.co.uk’s insurance comparison system you could just find a policy that’s cheaper.
Do criminal convictions affect car insurance?
If you have convictions then unfortunately you will face higher insurance premiums and may also struggle to find insurers, Many insurance companies will also refuse to insure drivers with unspent convictions. Penalty points on your license will also drive up your premiums with 6 points pushing up premiums by as much as 25%.
Why is car insurance for convicted drivers so expensive?
Insurance providers use a wide range of different variables when they’re calculating a policyholder’s insurance premium, including their location, their age, their occupation, the type of vehicle they drive and how long they’ve held their licence.
Each of these variables are used to compile a ‘risk profile’ for that policyholder, based on what proportion of other motorists with similar attributes claimed on their insurance.
Motoring convictions for speeding, drinking driving, dangerous driving or a host of other violations will also be factored into a policyholder’s ‘risk profile’, with car insurance for convicted drivers usually costing more because insurance claims data suggests these drivers are more likely to be involved in an accident and more likely to claim on their insurance.
I have never claimed on my car insurance, though – surely that counts in my favour when I’m comparing convicted driver insurance?
Given that rules around speed limits, driving under the influence of alcohol or drugs, and dangerous driving have all been implemented in order to prevent road traffic accidents, it shouldn’t come as much of a surprise to learn that drivers who have been convicted of these offences are statistically more likely to be involved in an accident at some stage, and many of those accidents are at-fault accidents which result in insurance claims.
So while the fact that you’ve never claimed on your own car insurance should work in your favour, resulting in cheaper convicted driver insurance than you’d be quoted if you had a motoring conviction and an insurance claim, the fact that convicted drivers are more likely to claim will still push up the cost of your convicted driving insurance.
Is there a way for a convicted driver to demonstrate to an insurer that the behaviour was out of character and won’t happen again?
Although a motorist’s driving conviction might have been an anomaly caused by behaviour behind the wheel that was completely out of character for them, insurance providers have no way to be sure of that fact. Since they don’t have a full picture of that particular motorist’s driving abilities and adherence to the rules of the road, they’re largely forced to rely on insurance claims data.
What can I do to find cheap convicted driver insurance?
If you’re looking to find cheaper car insurance for a convicted driver the most important thing you can do to increase your odds of finding a suitable policy is to compare quotes from a wide range of providers.
Different insurance providers can have very different underwriting terms, which means some insurers might weight risk factors like driving convictions very different from others.
That’s one of the reasons why accepting your existing provider’s renewal quote is rarely likely to be the cheapest option – your risk profile has changed quite considerably following your driving conviction, so an alternative provider might be able to offer you a cheaper quote if their underwriting terms differ.
In addition to shopping around for convicted driver insurance quotes from a range of different providers, there are a number of other things that might help you find cheaper insurance for convicted drivers. For example, some of these suggestions are worth considering:
- Downgrading your car for one in a lower insurance group – while this might sound drastic, it’s worth considering if the cost you’re being quoted for convicted driver insurance is out of your budget. Cars with bigger, faster engines usually fall into higher insurance groups, so by trading in your motor for one with a smaller engine you could benefit from cheaper car insurance for convicted drivers.
- Parking your car in a garage or on a private driveway (assuming you have that option, of course) – cars that are parked on a private driveway or in a garage have a lower risk of being stolen, vandalised or hit by a passing car.
- Letting a more experienced motorist borrow your car from time to time – If you happen to be a younger driver (and statistically speaking, young drivers are more likely to be convicted of motoring offences) you could benefit from cheaper convicted driver insurance if you agree to let a more experienced motorist with a clean driving record borrow your car. You won’t be driving the car yourself when this ‘named driver’ is borrowing it, which should mean you’ll be clocking up fewer miles yourself.
- Opting for a black box insurance policy – One way to help offset some of the risk you represent as a driver with motoring convictions is to provide the insurer with more information about your driving habits and adherence to the rules of the road. Telematics car insurance (or black box insurance, as it’s also known) is designed to give the insurance provider precisely this information, by installing a device in your vehicle that tracks your driving.
- Taking an advanced driving test (such as the ‘Pass Plus’ or ‘RoSPA Advanced Drivers and Riders’ test) – It’s not a universal rule, but some insurance companies might offer you a lower premium because these courses can help to prove that you’re a safety-conscious driver.
- Paying for the full year upfront – This can sometimes be a painful pill to swallow when your premium is very high, but if you’re able to pay the full amount upfront you could save quite a bit of money versus a monthly payment plan.