Convicted driver insurance

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Convicted driver insurance

To obtain convicted driver insurance at a reasonable rate can be a challenge. This is why there are specialist insurance brokers that help the convicted find the right insurance coverage to fit their needs. With this help, the cover will be valid allowing you to drive legally on the road.

Why is convicted driver insurance premiums so high?

The insurance industry views those with a conviction to be considered higher risk than a driver with no convictions on their record. This includes both the personal driving convictions of an individual and criminal convictions. As a result Convicted driver insurance will be much more expensive that standard insurance and that is why it is important to search for the best insurance deal for convicted drivers.   

convicted driver insurance

What many people with a conviction on their record do not understand is that when it is applied to driver insurance, a conviction of a non-driving crime is considered less of a risk by the insurance industry than a driving conviction.

What convictions have to be reported when applying for driver insurance?

The reporting of a conviction to an insurance company when applying for coverage is required by law. This reporting has to include all unspent convictions. When a person is convicted of a crime there is a time period this conviction will remain active on their record. Once that time period expires the conviction is then classified as spent and no longer has to be reported to an insurance company.

Conviction of Non-driving offences

  • You receive a community order to work unpaid will have the conviction spent after 1 year from the date of the conviction.
  • You receive a fine for an offence and convicted it will be spent after 1 year from the date of the conviction.
  • 6 months or less in prison will be spent after 2 years from the date of the conviction.
  • 6 months to 30 months in prison will be spent after 4 years from the date of the conviction.
  • 30 months to 4 years in prison will be spent in 7 years from the date of the conviction.
  • For those who spend longer than 4 years in prison, their conviction will never be spent.

Conviction of a driving offence

  • Conviction of causing a vehicle accident AC10 to AC30 will be spent after 4 years from the date of the offence.
  • Disqualified driving convictions codes BA10 to BA60 are spent after 4 years from the date of the offence.
  • Careless driving convictions CD10 to CD30, CD80 and CD 90 are spent after 4 years from the date of offence.
  • Careless driving convictions CD40 to CD70 are spent after 11 years from the date of conviction.
  • Reckless and dangerous driving convictions from DD10 to DD90 become spent after 4 years from the date of the conviction.
  • Drink driving offences DR10, DR20, DR30, DR31 and DR61 are spent after 11 years from the date of conviction.
  • Drink driving offences DR40. DR50, DR60 and DR70 are spent after 4 years from the date of offence.
  • Drug offences DR10, DR60 and DR80 are spent after 11 years from the date of conviction.
  • Drug offence DR40 and DR90 are spent after 4 years from the date of offence.
  • Insurance offence IN10 will be spent after 4 years from the date of offence.
  • License offences LC20 to LC50 are spent after 4 years from the date of offence.
  • Speed limit offences SP10 to SP50 are spent after 4 years from the date of offence.
  • Traffic direction and sign offences TS10 to TS70 are spent after 4 years from the date of offence.

What types of insurance is available for those convicted of an offence?

Third party cover is the minimum level of coverage required by UK law. There is also Third Party Fire and Theft cover that will provide some protection for your vehicle. The Comprehensive cover is the most complete type of cover and protects both you and the third parties involved in an accident. Convicted driver insurance can be provided all 3 levels, the choice is yours

How can I reduce the costs of convicted drivers insurance?

By using a vehicle that has a small displacement engine and is classified as economical will place the cover for it in a group with the lowest possible premium costs. Installing a telemetric device like a black box and or a dashcam will help prove how safe you drive and can make you eligible for a discount.

Parking the vehicle in a secure location like a shed or garage that has securing features such as alarms and exterior lighting can also make you eligible for a discount. Adding an immobilizer or other anti theft device can also make you eligible for a discount from the insurance company.

The higher the voluntary excess is the lower the premium will be. You can also avoid interest by paying the premium on an annual basis instead of monthly instalments.

What must be understood is that not every insurance company will issue a policy for convicted drivers. By using a speciality convicted driver insurance broker to help you will be a path that can be taken where you will be provided with a quote. This type of broker can be contacted at quote page convicted driver. More information on DR10 cover can be found at DR10 car insurance.

Convicted driver insurance