Compare Car Insurance with a County Court Judgement (CCJ)

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Guide to Car Insurance with a CCJ

By Eamonn Turley
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Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.


Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
from the MultiQuoteTime Editorial Team - Reviewed

The team at MultiQuoteTime will fact-check content to ensure accuracy at the time of writing. In addition, we also review and update content on an ongoing basis. We aim to keep the content fresh and useful. If you are considering applying for any of the products, please take note that it is important that you read the terms and conditions that are applicable.

Dec 2023

Last Update June 2023 by MultiQuoteTime Editorial Team

County Court Judgments, or CCJs, are court orders that obligate debtors to pay their debts within a specified period. If you have a CCJ against you and require car insurance, you should understand that it can affect your financial stability. Having a CCJ against you will make credit almost inaccessible to you, including car insurance. As a result, insurers view you as having a higher risk of making claims. But you can change that with budget-friendly insurance policies.

Car insurance with a CCJ order

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;

  • Improve your credits: If you have a poor credit score, you have to review it constantly. Check for irregularities that might be affecting your rates. The faster you pay off your debt, the better your credit will improve. This will allow you to secure credits and make you a more attractive customer to insurers. And they might lower your premiums.
  • Compare quotes from different insurers: An insurance provider might specialise in providing individuals with CCJ coverage. Consult them and compare their quotes, as some might be willing to offer you affordable rates.
  • Keep your mileage low. For an insurance provider, low mileage means less time on the road, meaning less risk of an accident and a claim. This choice is not for everyone, but if you are on a tight budget, it may be worth considering.
  • Pay the car insurance annually. Paying monthly means interest on your monthly instalments, so generally they are more expensive.
  • Go for higher voluntary excess. This may seem a bit frustrating but if you are a confident and careful driver then ideally you will be avoiding any collisions and claims on the insurance, so you won’t be paying this higher excess anyway! This option also makes your overall policy cost cheaper.
  • Car Insurance Group : Are you driving a car in one of the higher risk groups, changing to a ca that sits in a lower insurance group will result in a cheaper car insurance premium.
  • Consult a specialist broker: Specialist brokers have access to several insurers. They might help you find an insurer with coverage that meets your needs.
  • Use telematics policies: Telematics policies involve your insurer monitoring your driving behaviour through tracking devices. If you are a safe driver, this might sign you up for some rewards or discounts.

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.

Temporary Car Insurance with a County Court Judgement (CCJ) is also available!

A panel of specialist insurance providers can help you with temporary car Insurance with a County Court Judgement (CCJ) – compare and save!

Get Car Insurance with a CCJ now!

As our company name suggests, we can provide multiple quotes. These quotes are provided by a panel of car insurance providers selected by SEPOA. The panel is able and willing to provide insurance with a CCJ order of those with a bad credit score. 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!

Compare Car Insurance with a CCJ  

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Car insurance with a CCJ order

*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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