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Getting insured after a conviction
Need insurance but got points on your licence? You're not
alone. Over 100,000 motorists are being pronounced guilty of traffic offences
every year, many of whom committed these offences accidentally. Whilst the
fines, and possible driving bans, are bad enough, a major problem for many car
owners who've been adjudged guilty of driving offences is the cost of buying
insurance. Who can help you?
Specialist brokers may get you the best deals
Statistically, the average motorists who have licence
points for speeding offences or even drink-driving or dangerous
driving records are more likely to have accidents in the future, so all
insurers view them with caution and some just won't cover them at all.
The 'average' driver doesn't exist though. You may have been just
unlucky or a borderline case. Some motorists, indeed, become safer
drivers because they have no wish to go through a court case again.
However a run-of-the-mill insurer will still penalise them the same.
There are some insurance companies, however, that take a more
personalised view and that may be able to offer more competitive
premiums. Motorists with convictions might get a much better deal by dealing
with a broker who specialises in the more non-standard cases.
You can't hide your driving record!
Every year several thousand drivers fail to inform
their insurance companies that they have been found guilty, or have been
charged with, endorsable offences. They are inevitably caught out
because the insurers cross-check details with numerous different
sources; they know more about our driving records than we know
ourselves. Deliberately withholding information leads to, at best, an
increased premium and, at worst, a refusal to pay out on a claim and /or
extreme difficulty in finding future insurance at any price. This could
also lead to a criminal charge of insurance fraud. It is therefore
absolutely essential to be completely up-front about any past
You just cannot drive without insurance
Every vehicle on UK roads has to be insured. This is
enforced by traffic cameras. The number plates of most vehicles are
photographed several times a day and read by number recognition
software. They are then compared with a database which carries details
of every motor insurance policy in Britain. This happens almost
instantaneously so, if no insurance cover is in place, there is plenty
of time for a nearby police officer in a patrol car to be informed. The
result is usually a conviction for driving without insurance and a
possible driving ban. Insurance difficulties can then get far worse than
Price comparison sites are not always the cheapest!
Major price comparison sites are designed to produce
cheap quotes automatically. However: every motorist who has been
accused, or sentenced, for a driving (or criminal) offence is unique,
and this means that producing a fair quotation cannot be done
automatically. A real live human has to be involved and this should be
someone who is familiar with all the major endorsable misdemeanours such
as SP30 (Exceeding The Statutory Speed Limit); SP50 (Exceeding The Motorway Speed Limit; P10 (Speeding In A Goods Vehicle); SP60 (Other Speeding Offences); TS10 (Traffic Light Offences); IN10 (Driving Whilst Uninsured;
DR10 (Driving Whilst Over The Alcohol Limit); LC20 (Driving Licence Related Offences); CU80 (Driving Whilst Using A Mobile Phone);
and CD10(Driving Without Due Care And Attention).
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Just been disqualified? Here's some information on how to appeal