Car Insurance for High-Risk Drivers

High Risk Car Drivers could save up to £504*, Easy Form for multiple quotes

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Find Car Insurance for High-Risk Drivers

When a car insurance provider refers to you as a high-risk driver, Some reason for bring classed as high risk include being a young driver, having convictions, penalty points, accidents, or an unsuitable vehicle on your driving record. However, there's no industry standard for what qualifies a person for high-risk driver cover. It all depends on the insurance company and the criteria they use to decide who is high-risk or not

Typically, car insurance for high-risk drivers has higher premiums than usual because insurers expect these kinds of drivers to be more likely to make a claim.

Compare High Risk Car Insurance

If you are looking for high risk car insurance, We can provide you with access to a range of quotes from a panel of insurance brokers.

In order to get the best deal on any insurance policy, it’s vital that you compare quotes from a wide range of insurance companies.

  • Cover available for all risk categories
  • Polices can be tailored to your requirements
  • Flexible payment options
  • One short form – save time & money

Who is high-risk car insurance for?

High-risk car insurance provides coverage at an increased price to drivers with a higher tendency to make claims or get into accidents. A driver will be considered high-risk for the following reasons:

  • Mileage: Drivers who cover many miles each year are more likely to be involved in an accident.
  • Occupation:  Insurance companies classify some professions and jobs as more risk than others, example over 60s car drivers or retired drivers are less risk than travelling sales person.
  • Performance Cars : Drivers of an expensive, high-performance car or a vehicle that has been modified
  • Dangerous Drivers : Example repeat offenders of speeding, with an SP30 speeding conviction recorded.
  • Driver with a poor or a bad credit score.
  • Young drivers or new drivers without driving experience.
  • Drivers that have been declared bankrupt or have CCJ's or an IVA 
  • Individuals with driving convictions facing big premium charges may benefit from a pay-as-you-go (PAYG) policy.

What are high risk occupations for car insurance?

One of the factors used In arriving at a cost for car insurance includes the occupation of the owner driver. Similar to car insurance, categories are grouped into risk categories, example car insurance for police officers and government workers are considered than those that use their car a lot as the carry-out their work example a mobile beauty beautician or door-to-door sales person that travel a lot during working hours. 

What types of cars are considered high-risk?

Apart from your driving history and occupation, insurers may also consider the type of car you drive. Some insurance companies classify certain vehicles as high risk because they are attractive to thieves and prone to accidents. These types of cars attract high insurance premiums.

Some of these cars include sports cars with powerful engines, high-value cars that are expensive to repair or replace, modified vehicles with high-performance accessories, and cars popular among inexperienced drivers.

When making these classifications, insurance companies may also analyse claims data and use risk ratings like the Association of British Insurers’ group rating to determine whether your car falls into the lowest risk rating or highest risk rating.

Levels of Leicester Car Insurance Available and cover inlcluded

Similar to pay as you go taxi insurance, PAYG car insurance is available at three different levels, from basic third party to full comprehensive cover.

Third party

Third party cover provides the minimum level of cover required by law. This type of cover will only pay out to cover the repair or replacement of other peoples’ vehicles, damage to other people's property, including injury. This is the most basic cover and does provide cover to your own vehicle if in an accident, damaged by fire or stolen

Third party Fire and Theft

This level of cover provides minimum third party cover, but will pay out for the repair of your own vehicle if it’s damaged by fire or for the cost of replacement if it’s stolen.

Comprehensive

This level of cover includes all of the above cover but also, importantly, includes cover for any damage to your car even if you were at fault. Fully comprehensive policies may also provide minimum third party coverage to a trailer or caravan being towed. 

Did you know?  Pay as you go policies are ideal for classic cars that you only take out in the summer months

How do I get cheaper high-risk car insurance?

To find lower premiums and the best deals, you can start by using comparison sites to check quotes and insurance costs for high-risk cover from different providers. To get accurate premiums, ensure that you know your risk profile and provide the correct details. From your options, you can pick the most affordable provider which aligns with your needs.

Another way is to go through insurance brokers with specialist insurance expertise for high-risk drivers. Talk with these brokers to find out if they can help you find better deals than those from mainstream insurers. You can also opt for telematics or blackbox insurance if you believe that you can show your insurer that your driving style is safe. Preferably, you can choose the maximum voluntary excess to reduce your basic premiums.

Take time to read and if possible take action to make savings on your car insurance!

  • Increase Excess :  This approach will mean that you will be liable for a higher amount should you need to make a claim against your insurance provider.
  • Black Box : Install the so-called  "Black Box" or a telemetric device to record your driving so that you can prove to be lower risk and be rewarded with future discounts.
  • Drive Safely : Driving with care will reduce the risk of being involved in a road accident, letting you accrue a no claims discount
  • Keep a Good Credit Score : If you have a bad credit score,  take steps improving your credit score
  • Make Security Improvements: Example by installing approved security devices like an alarm or immobiliser. Simple actions that help to reduce the risk of damage or theft can lower your insurance cost.
  • Choose to pay Annually: If possible, pay high-risk car insurance as a one off annual payment. This should help reduce the overall costs, as most insures will add an interest charges on monthly payment plans
  • Avoid Modifications: Making changes often results in a higher premium, particularly if you decide to map or reprogram the engine. Check first with your insurance provider before embarking on any type of mod., 
  • Advanced Driving Course : Finish advanced driving courses that can demonstrate your driving experience and provide your insurer with the relevant information.

Get access to the high risk car and van insurance options with Multi Quote Time. Simply Click Here, fill a simple form, and discover multiple quotes from several insurance brokers.

Compare High Risk Driver Car Insurance

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*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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