Compare Car Insurance with a County Court Judgement (CCJ) Quotes

Guide to Car Insurance with a CCJ

County Court Judgements, or CCJs, are court orders that force debtors to pay their debts and, are normally deducted from your salary or wages at source. Having a CCJ against you will make credit almost inaccessible to you, and some insurance providers may view you as having a higher risk of making claims, making insurance more expensive or difficult to find.

This guide is intended to answer question on the factors that affect the cost of private car insurance premiums, especially for drivers with CCJs. For more information on CCJs, please visit the UK Government’s website that provides further insights.

Getting car insurance with CCJ

Insurance companies consider factors like CCJ and credit scores when setting up their insurance premiums. However, getting car insurance with CCJ while trying to pay bills might be hectic. Although, it’s going to be difficult and expensive.

A CCJ indicates that you have failed to pay a debt. The information is recorded on your credit report, which is visible to your creditors and insurance companies. Your insurer will likely use it to assess your risk level and understand your poor credit history.

Individuals who have CCJs are more likely to be considered high-risk claimants by insurance companies. As a result, insurers might decide to charge you higher premiums, offer limited coverage options, or refuse to offer you car insurance altogether. Despite the challenges, it is possible to get affordable car insurance. Here are some steps to take to get car insurance with CCJ;

Is it safe to disclose your CCJ?

For your credibility, you must disclose your CCJ to any insurer you apply to for car insurance. The insurer might void your policy if they find out that you have a CCJ. Such action might prevent you from getting any future car insurance.

How long before the CCJ expires?

In the UK, County Court Judgment will expire six years after passing the judgment. This means the CCJ will no longer reflect on your credit report or the Register of Judgment, Fines, and Orders.

However, that doesn’t mean you can avoid paying the debt. Legally, you’re obligated to pay the debt, as your creditors can still take legal action against you for not paying up. Creditors might decide to obtain a new judgment, which, of course, is valid, or take enforcement action against your assets.

Can you still get credit with CCJ?

You can get credit even when the CCJ is still valid. But it’s not going to be easy. Lenders might decide to charge you higher interest rates or even deny you the credits at all. This is because they might view you as someone who is more likely not to repay the loan. And such is bad for business, at least.

If you have a valid CCJ against you and are in desperate need of credits, you have to take the necessary steps to pay the debt as soon as possible. You might try confronting your creditor amicably to negotiate a repayment plan that works for you both. Clearing your debt within the specified timeframe will improve your credit score. It will also make it easier for you to obtain more credit in the future.

Get Car Insurance with a CCJ now!

As our company name suggests, we can provide you access to multiple quotes. These quotes are provided by a panel of car insurance providers selected by SEPOA. The Panel may be able to provide quotations in circumstances where you have had a CCJ.  Simply click the Get Quotes option below and fill in a quick form to get access to multiple quotes. Then all you have to do is pick the best one!

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