Driving may well be a passion for yours and you may also be a safe and competent driver, but accruing even a minor driving conviction could prove very costly for you (both now and into the future). Car insurance is obviously a necessity, and driving itself may well be part of your job. If this is the case, then finding car insurance with a conviction may be difficult and might even put you at risk of losing your job. Your driving record (including any tickets received), is all taken into account when your rate of car insurance is calculated.
Any violation of the traffic regulations, record of accidents etc., will all result in you paying more for your car insurance.
Statistics: As per figures in 2019, a breakdown of driving offences is listed as follows:
- 48% of offences involved breaking the motorway speed limit.
- 86% of cars are recorded as speeding on 20mph roads.
- Around 85,000 people are prosecuted for drink driving every year.
- Insurance is the second most convicted driving offence (after speeding).
- 92,343 insurance offences were recorded in 2017.
- Around 1,000 people received driving bans for underage driving.
Figures state that drivers with penalty points on their licenses tend to have more driving incidents, and thus are likely to make more insurance claims. If you have a history of driving offences, you are placed in this bracket and your premium prices will reflect this.
Convicted Driver Insurance – The reality is that the cost of car insurance with a conviction is likely to be higher, but will still offer the same level of protection as regular car insurance. At Try Compare, we can compare the whole insurance market and get the most competitive and cheapest quotes for you. We can retrieve car insurance with conviction quotes with a premium costing as little as £24 per month. From speeding to drunk driving tand including a whole host of motoring offences, no matter your conviction we are here to help you find a policy and ensure you are suitably covered to drive on the road.
Tips to lower the cost of your car insurance premium with a conviction
Insure through a specialist – Get a quote with a convicted driver insurance specialist like Try Compare. We work with a collection of insurance brokers to help you compare the most competitive insurance prices, by tailoring each quote to suit your specific needs and circumstances. Our aim is to ensure that you receive the most competitive prices for your insurance products.
Raise your excess – Generally, the higher the excess on your premium, the lower the cost of cover, as you are then essentially accepting more of the risk yourself. If it is affordable for you, paying a larger voluntary excess should lower the overall premium.
Reduce your mileage – Driving less miles means less chance of being involved in an accident and this will be reflected in your premium price. However, full disclosure of the actual miles covered is absolutely essential. False information could lead to refusal by your provider of any future claim you might make.
Make your car more secure – Take steps to put in extra security for your car such as an immobilisation device, burglar alarm or tracking device – anything that reduces the risk of your car being stolen or vandalised.
Driver Rehabilitation Courses – The purpose of this course is to help convicted drivers become safe drivers. Not only does this course reduce the length of the driving ban but also reduce the cost of premium once you are ready to get back on the road again.
At Try Compare, we help customers compare free car insurance with conviction quotes from providers throughout the UK and we help the convicted drivers out there to get back on the road. Get Your FREE Quote Today: www.trycompare.co.uk. Complete your details on our quotation form and see how low your quote could be!