Convicted Driver Insurance Comparison
Convicted Driver Insurance
If you have been convicted of a driving-related offence, such as driving under the influence, reckless driving, or speeding, you may find it difficult to obtain car insurance. However, it is still possible to get car insurance, but you may have to pay higher premiums due to the increased risk that insurance companies associate with drivers with convictions.
Some insurance companies specialise in providing coverage to drivers with convictions. These companies may offer higher premiums than other insurers, but they can provide the necessary coverage you need to get back on the road legally.
When looking for car insurance as a convicted driver, it is important to be honest about your convictions and any other relevant information. Failing to disclose this information could lead to your policy being invalidated, leaving you without insurance coverage in the event of an accident.
Additionally, you may be required to install a telematics device in your car that monitors your driving behavior, such as your speed, braking, and acceleration. This is because insurance companies consider convicted drivers to be higher risk, and they want to ensure that you are driving safely.
Ultimately, the cost and availability of car insurance for convicted drivers will depend on the severity of your convictions, your driving record, and other factors. It is best to shop around and compare quotes from different insurers to find the best coverage at a reasonable price.
What can be covered under Convicted Driver Insurance
Third-Party Only (TPO) Cover: This is the minimum level of car insurance required by law in the UK. It covers you for any damage you may cause to other people and their property in an accident, but it does not cover any damage to your own vehicle.
Third-Party, Fire, and Theft (TPFT) Cover: This type of cover offers the same protection as TPO cover, but it also covers your vehicle if it is stolen or damaged by fire.
Comprehensive Cover: This is the highest level of car insurance cover available and offers the most extensive protection. It covers you for any damage you may cause to other people and their property in an accident, as well as any damage to your own vehicle. Comprehensive cover also includes additional benefits, such as coverage for theft and fire, as well as legal expenses and personal injury protection.
In addition to these three main types of cover, there are also a number of optional extras that you can add to your policy, such as breakdown cover, windscreen cover, and courtesy car cover. It is important to carefully review and compare different policy options to determine which type of cover and additional extras best meet your needs and budget.
It's important to carefully review the terms and conditions of any travel insurance policy to understand what is covered and what is not covered, as well as any limits or exclusions that may apply.
Here is a link a convicted driver specialist who may be able to provide you with several quotations:
Types of UK Driving Convictions that may effect Car Insurance
In the UK, driving convictions are often identified by a unique code that corresponds to the specific offense. Here are some common driving convictions and their corresponding codes:
DR10: This code relates to a conviction for driving or attempting to drive with alcohol above the legal limit.
DR20: This code relates to a conviction for driving or attempting to drive while unfit through drink or drugs.
DR30: This code relates to a conviction for driving or attempting to drive and failing to provide a specimen for analysis.
SP30: This code relates to a conviction for exceeding the speed limit on a public road.
IN10: This code relates to a conviction for driving without insurance.
CU80: This code relates to a conviction for using a mobile phone while driving.
CD10: This code relates to a conviction for driving without due care and attention.
DD10: This code relates to a conviction for dangerous driving.
LC20: This code relates to a conviction for driving otherwise than in accordance with a license.
TS10: This code relates to a conviction for failing to comply with traffic signals.
It is important to note that the penalties for each of these offenses can vary depending on the specific circumstances and the severity of the offense. It is always advisable to seek legal advice if you are facing a driving conviction.
