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Convicted van insurance comparison
If you’re an experienced driver you’ll already be well aware that that cost of your van insurance is sure to increase after you receive a motoring conviction.
But by how much is your premium likely to increase when you need convicted van insurance instead of a standard van insurance policy? The answer largely depends on the motoring offence you’re convicted of and how many penalty points you received for that conviction.
Minor motoring offences might only result in 3 penalty points, which could potentially increase your convicted van insurance premium by a relatively modest amount. 5% is the average premium increase for 3 points provided you had a clean driving licence before this conviction.
A conviction that results in 6 or more points, on the other hand, is likely to cause a much sharper spike in the cost of your convicted van insurance – possibly by as much as 25% or 30% for 6 points, and an even sharper increase in cost if you get more than 6.
That’s why it’s even more important than ever to shop around for van insurance quotes when you’ve received a new motoring conviction, because by comparing quotes from lots of different van insurance companies you increase your odds of finding a suitable convicted van insurance policy at a price that won’t break the bank.
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How will it affect my premium if I already had points on my licence prior to this new motoring conviction?
Your history of motoring convictions isn’t the sole factor insurance providers will use when calculating your van insurance premium – a wide range of other variables will go into that calculation too, including your location, age and occupation, as well as the type of van you drive and your estimated mileage.
However, motoring convictions for speeding, drink driving, using a mobile while driving are very important risk factors because insurance claims data indicates that drivers with these convictions are more likely to be involved in an accident and more likely to claim on their insurance.
Similarly, insurance claims data reveals that the more penalty points a driver has the higher risk they represent to the insurer, so if you already have points on your licence when you receive a new conviction this will definitely work against you when it comes to the cost of your convicted van insurance.
Of course, just how much your existing points will affect your premium will depend on how many points you had before the conviction, and how many your licence has been endorsed with for this new motoring conviction.
What happens if the points I receive for this new motoring conviction takes the total number of points on my driving licence to 12 or more?
If you have 9 points on your licence at present and you receive 3 points for a new motoring offence the combined 12 penalty points will result in a TT99 code being added to your licence, which is an automatic driving ban under the ‘totting up’ process.
Drivers with 9 points on their licence are likely to drive more carefully for that very reason, because even a minor offence could result in disqualification. However, it’s worth bearing in mind that the TT99 code will apply no matter how you reach 12 penalty points, so even a driver with 3 points on their licence at present could potentially face a TT99 disqualification if they commit a serious offence that results in 10 or 11 penalty points, such as a DR10 conviction for drink driving or a DR50 conviction for being in charge of a vehicle while unfit through drink.
How do I find cheap convicted van insurance?
After receiving a motoring conviction your first priority should be to shop around for the best convicted van insurance quotes, because that way you stand a better chance of finding a suitable policy at a cheaper price.
Different insurance providers can have very different underwriting terms, which means some insurers might give risk factors like driving convictions a different weighting than others.
In addition to shopping around, some of the following could also help to lower your premium:
- Avoiding vehicle modifications to your van.
- Parking your van in a garage or private driveway when you aren’t driving it.
- Avoid interest fees by agreeing to pay for your full year’s van insurance upfront rather than via a monthly payment plan.