Getting declared with a driving conviction, you have to face a lot of issues and not all the insurers are going to be friendly with you. For getting the right convicted driver insurance, you have to go through a lot. This doesn’t really matter what the conviction if for, but the name itself is enough to leave you in trouble.
Convictions are reported to uplift the cost of your driving insurance and numerous factors lead towards conviction, including breaking any motoring law, driving in another lane, and over-speeding, etc.
For the first five years, the penalty points are taken into consideration by the insurers.
Though getting car insurance for convicted driver is a bit difficult when you have got a conviction, still with a few precautionary steps, things can be way better for you.
Why declare driving conviction?
This depends upon the severity and nature of your crime. A driving conviction can be:
- Spent driving conviction
- Unspent driving conviction
A spent driving conviction means that whatever you committed before is no longer to be mentioned in your criminal record, as it has spent a specific time limit. In most of the cases, convictions become spent, unless it’s a prison sentence case of over 2.5 years.
Signing up any car insurance contract, you need to
disclose all the material facts that you are going to be asked about. When
applying for convicted
driver insurance, you don’t even need to mention when the conviction is
spent, unless you are specifically asked about it.
Disclosing a conviction is perceived differently according to different situations. There are some policies that state you must declare the conviction. Whereas, the most typical ways of declaring the conviction is either by being caught on a mobile or a static speeding camera or being caught by breaking the motor law.
Being involved in an accident due to any illegal behavior can also result in trouble for you. the chances are, you will end up paying a higher amount for insurance premiums.
How to Get Cheap Car Insurance for Convicted Drivers?
Getting the best-convicted driver insurance quotes is never easy, with the high premium rates for such type of insurance. Somehow, the costs of such premiums can still be lowered if you make the following changes to your driving routine:
Try to cast an impact on the insurer about the safe side of insuring you. If in any case, the insurer gets an idea of the risk factors involved with insuring you, they are going to double charge the amount of insurance and would not even offer the whole range of covers due to high risk involved with your insurance.
- Make your vehicle as secure as you can, installing a number of safety devices and CCTV cameras.
- Try to park the vehicle in a garage overnight, instead of parking it on roads, which increases the chances of theft even more. Keeping them in the garage ensures that your vehicle is safe enough to be insured.
- Try to add a business sign to your vehicle. This makes your vehicle identifiable and thus there are minimized signs of theft, as the thief, if clever enough, would know about the risk factor involved with stealing your vehicle too.
Not to forget, shop around for options. You might have overlooked some of the best insurers in your range and shopping around can help you in getting the right quotes at the most affordable rates.
Convicted driver car insurance is an issue for anyone. Still, these drivers can get proper and cheap insurance quotes if they pay attention to several factors interlinked with the insurance costs.
Ensurance Compare is the best option in range, to help you out with insurance of your convicted car, with the right quotes and coverage options for your needs.