Car Insurance for Convicted Drivers
If you have a driving conviction, you might struggle to find the right deal on your car insurance. Insurance companies may see you as a risk, and as a consequence your cover could be more expensive. Read on to find out more about convicted driver insurance.
A driving conviction is issued to you if you are caught breaking a motoring law. If you accumulate 12 points on your licence you could be disqualified for at least 6 months by the court, depending on how serious they deem the offence. The expiry times for these penalty points vary, please see gov.uk to learn more about penalty points (endorsements) and how long they stay on your driving record.
A study by the 2017 Criminal Justice Statistics Bulletin revealed that throughout 2017 there were approximately 664,000 defendants penalised for driving offences through the UK.
- In 2017, there was approximately 176,000 prosectutions for speed driving, making it one of the most common driving offences.
- Vehicle offences relating to ‘Insurance Offences’ were the second most committed motoring offence with approximately 164,000 prosecutions throughout 2017.
- There were 35,000 prosections in 2017 for drivers caughts on their mobile phone devices
- 2017 saw 35,000 prosections for drink driving.
There are many types of convictions, all with different conviction codes which you will need to declare to your insurer. These codes usually contain 2 letters and 2 numbers. Some of the most common codes (ranked in order) can be seen in the table below;
|1||SP30||Exceeding the statutory speed limit on a public road|
|2||SP50||Exceeding speed limit on a motorway|
|3||TS10||Failing to comply with traffic light signals|
|4||SP10||Exceeding good vehicle speed limits|
|5||CU80||Using a mobile phone whilst driving a motor vehicle|
|6||IN10||Using a vehicle uninsured|
|7||DR10||Driving or attempting to drive with alcohol level above limit|
|8||SP20||Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)|
|9||CD10||Driving without due car and attention|
|10||SP40||Exceeding passenger vehicle speed limit|
Note: the variety of convictions vary depending on severity, whether that's failing to comply with road laws and traffic signs, driving unsafely on the road or causing an accident that results in injury or death to other motorists. Every conviction has a different amount of points attached to it.
See the complete list of motoring conviction codes here.
What happens if you don't disclose your convictions?
Typically, insurance companies will either cancel your policy or decline any future claims.
Alternatively, they could make an extra charge for the conviction and not authorize your claim until all outstanding charges have been fully paid.
Failure to declare any convictions might also stay on your licence for life and tarnish your chances with any future insurance applications.
Can you get insured if you've been banned from driving?
Short answer: yes! While it is possible to get insured after being banned from driving, it's also extremely difficult too. However, do not feel too disheartened, because car insurance is a legal requirement. By shopping around, you could find an option that suits you and your driving history. Please visit the Money Super Market website to compare car insurance quotes from various insurance companies.
Once you do find an insurer, it's likely your car insurance premium will be higher than before your ban. This is a no brainer. Insurance companies ultimately see you as a high risk on the road, which is why the car insurance premium is likely to increase. This is also reflected in the excess you need to pay if you do proceed with making a claim. These car insurance costs will affect you for 5 years.
It is important to note that if you drive without insurance you could get disqualified again, and face a hefty charge of £5,000. It gets worse - police now have the ability to take your vehicle and destroy it if you are caught driving without car insurance, so protect yourself and make sure your car is insured.
If you are looking for cheap cars to insure click here.
Which Insurance group is my car in?
The brief list below helps to determine roughly the insurance group your car belongs to. It is important to take into consideration that specific factors, such as mofications, could cause this outline to alter.
|Groups 1-10||Dacia Sandero, Vauxhall Corsa, VW Up!|
|Groups 11-20||Audi A3, Honda Civic, Mini Countryman|
|Groups 21-30||BMW 3-Series, Land Rover Defender, Seat Leon|
|Groups 31-40||BMW 5-Series, Ford Focus ST, VW Touareg|
|Groups 41-50||Audi R8, Jaguar F-Type, Porsche 911 Carrera|
The above table clearly shows which type of cars belong to each individual category. The Vauxhaul Corsa, for example, is a small city car and cheap to insure, therefore it is suited to someone who is on a budget. The Jaguar F-Type is in the highest category, meaning it will carry one of the biggest premiums.
If you want the complete guide to car insurance, as well as advice on speed awareness courses, click here.