Getting a criminal conviction is easy to do in
the UK. Finishing up with motoring convictions or merely totting up
points on your driving licence is also easy to do. However, finding
reasonably priced car insurance after you have obtained a
conviction, numerous points on your licence or a disqualification is
not so easy!
To get a criminal conviction, the only thing required is getting
caught while committing one of thousands of actions that successive
governments, whether sensibly or not, have decided were illegal. The
only thing required to obtain a motoring conviction or to tot up
sufficient points for a driving ban is to break one of the
innumerable rules whilst driving on a couple of occasions. This is
simple to do, since there are over 80 different driving conviction
codes in the UK that you may accidentally violate. These driving
codes cover offences that range from driving a vehicle with a
cracked mirror to driving dangerously, or without a licence.
After a conviction, or even whilst a court case
is pending, many drivers find it difficult to get insured at a
reasonable cost. If the worst came to the worst and you were
disqualified from driving
returning to motoring after the ban is lifted is very difficult. One
factor that makes the return difficult is that you could have to
retake your driving test, unless it was just a short-term ban.
However, what makes it the most difficult is obtaining adequate
insurance cover at an affordable price. The fact remains that having
convictions or a high number of points on your driving record makes
it more difficult to obtain car insurance at any price.
Numerous insurers will deny you altogether. Other insurers will sell
you cover, but only at a much higher cost. Some will even insist on
increasing the amounts of excess payable if you were involved in an
accident. There are reasonable prices out there, however, if you
know where to look.
One UK legal information web site conducted surveys of various
insurers in 2004, 2007, and 2009 to find out just how much a
conviction or high points affected the cost of insurance. The sample
quote obtained for the 2009 survey was for a 34 year old male
driving a Ford C Max worth £10,000 with a voluntary £150 excess. The
overall survey results for 2009 were:
• With no points: average premium out of the 66 companies quoted was
• With 6 points, all over 4 years old: average premium out of 61
companies was increased by 7.91% to £406.23
• With 6 points, all over 3 years old: average premium out of 63
companies was increased by 8.82% to £412.88
• With 6 points, with half being older than 4 years old and half
less than 2 years old: average premium out of 62 companies was
increased by 14.31% to £433.48
• With 6 points, entirely within the past 2 years: average premium
of 61 companies increased by 24.35% to £472.79. However, some
companies had increases of over 85 per cent.
• With 9 points entirely within the past 2 years: average premium of
49 companies increased by 46.94% to £542.33
• With a 28 day disqualification for speeding: average premium of 51
companies increased by 23.35% to £468.54
• With a drink drive disqualification: average premium of 38
companies increased by 53.37% to £580.38
Lowering the cost
It’s obvious that the premiums will be much more
costly for those with convictions and high points on their records.
However, there are a few things you can do to lower the cost. The
first way is to shop around for the right insurer. You can save some
time and leg work by getting insurance quotes online, and some
companies offer discounts for online purchasing.
Secondly, find the right insurance policy. Many insurance companies
offer special cover for specific types of convictions and high
points. Often, a smaller company will not charge you as much as a
bigger one will.
After you’ve found the right company and cover to fit your
situation, research all your options. Check to see if the insurer
will lower the premium if you take driving courses, can prove a
change of lifestyles, or seek rehabilitation treatments. Find out if
reducing the amount of driving you do will help to lower the
Sometimes, it can help to add someone else with a clean driving
record and no prior insurance claims as a secondary driver but
conversely, in other cases, it may help if there are no other
drivers besides the car’s owner listed on the policy cover.
Sometimes, an insurer may be willing to lower the premiums if you
increase the vehicle’s security and safety features.
You should also take the time to educate yourself regarding the
types of legal recourse you may have. In some cases, it’s possible
to reduce the amount of time that a conviction or endorsement stays
on your driving record. Since some can stay on your license for up
to eleven years, it’s important to appeal any convictions or traffic
citations that are not warranted. However, be sure to retain the
services of a professional motoring law expert.
Obtaining affordable car insurance after a conviction is not easy to
do. However, it’s not completely impossible. The best way to find a
good deal is to go through an insurance broker or an insurance
specialist who is familiar with your specific type of conviction or