When Do You Need Convicted Driver Insurance?
Finding a car insurance after conviction is difficult and expensive, make it easier and cheaper with extensive Ensurance Compare
Are you recently convicted on an offence or is someone in your family convicted of a crime?
Your ordinary insurance can become invalid after the conviction whether it was a DUI offence or shoplifting.
No matter how small the conviction is, it can still put you off the list of drivers with the clean record. Even the offences that are not related to driving can make it harder for you to find car insurance.
In these circumstances, you need Convicted Driver Insurance to help you stay protected. The insurance companies are usually unwilling to offer insurance to the drivers with conviction and can charge super hefty amounts to provide you with a cover.
At Ensurance Compare, we know the top companies providing the best UK Car Insurance and can help you compare the quotes and buy the best one online.
You will need convicted driver insurance if you are found guilty of
- Driving Under the Influence/ Driving While Intoxicated
- Reckless Driving
- Causing Injury or death in accident
- Damaging Property
- Possessing Drugs
- Any other offense
However, the driving-related offences are dealt more strictly than the other convictions and can cause a significant hike in your premium in case your policy is not cancelled. Majority of the car insurance companies are only concerned about the convictions such as reckless driving, death due to reckless driving or DUI.
Specialize in Convicted Driver Insurance
At Ensurance Compare, we specialise in acquiring the best coverage at an affordable price for hard-to-cover drivers even if they want multi car insurance within thier budget. When other Insurance Compare websites ignore the need of convicted drivers, we take a step further in making insurance easier for them.
We have established connections with specialist convicted driver insurance brokers that provide cover to convicted drivers. It enables us to get you the lowest prices and the best convicted driver insurance deals from the industry.
Convicted Driver Insurance Quote Process
Driven with lightning-fast technology, Ensurance Compare saves your time and money. Follow the quick 2-step process to find out the lowest price and maximum coverage deals that rock the industry.
Fill in the Form
The first step is to fill our ‘Get Quote’ form. Everything you mention in the form is protected and secured. Fill the form that only takes 3-5 minutes.
Once you submit the form, our specialist broker will contact you directly at the provided contact information and will provide the cheapest quote along with top quotes.
Why to Get Convicted Car Insurance
The convicted drivers are considered as high-risk clients. With a conviction your probability to get into an accident increases which means you can file more frequent insurance claims. On the other hand, insurance companies prefer clients with minimum claim record.
Therefore, the insurance companies are reluctant to offer a policy to drivers with a conviction. The convicted insurance policies are more expensive and specialised policies that are provided to the clients who are found guilty of the offence.
Use Ensurance Compare to Get Convicted Car Insurance
There are hundreds of car insurance companies in the United Kingdom. But, not all of them provide car insurance for the convicted drivers. It is also not possible to find great deals for car insurance with a driving license with conviction.
You will end up wasting your time and money by getting quotes from various insurance companies without knowing the specialist brokers for convicted car insurance.
At, Ensurance Compare, we have made things easier and simpler for you. We believe that everyone should get a second chance. Working with a team of specialist broker and highly intelligent customised system, we fetch the quotes for car insurance for convicts and make it easy for you to compare them.
Ensurance Compare takes less than 3 minutes to connect to the specialist brokers, get quotes, process them and present you the simplified results. The results are displayed in a pattern where you can easily compare the cost, pros and cons, and maximum coverage of the policy.
Not just it, you can buy the policy that meets your requirements with a single click.
Which Convictions to Declare
When you are searching for the quotes or buying an insurance policy, you are required to declare your convictions. There are two types of convictions.
Spent convictions are those that have reached a set period according to the Rehabilitation of Offenders Act 1974. The period of validity depends on the type and length of your sentence. After the specified period, these offences are removed from a person’s criminal record. For example, if you have been sentenced to community services, it can become invalid after five years. Or if you have been jailed for a month, your conviction is spent after two years.
The unspent conviction is the ones that have not reached to the set period and are part of a person’s basic criminal record. For example, if only six months have passed to your conviction in which you were sentenced 1-month jail time, then it is an unspent conviction. Some penalties such as jail time for more than four years always remain unspent.
When comparing car insurance quotes for vehicles or buying insurance, you are required only to declare convictions that are unspent and are still part of your primary criminal record.
Why Should You Declare Convictions?
Unspent convictions make it harder to get an insurance policy for your car. Many people are tempted to hide the convictions and get a lower insurance quote.
But, here is why it is not a good idea and can cause you more harm than good.
How to Declare Convictions
When you are filling the form of Ensurance Compare, you are required to fill in your details. The conviction details are part of your record.
You should declare your convictions according to the form and must fill appropriate information in every column. From mentioning the year in which you were convicted and type of sentence to the term of sentence, you must be open and honest in providing the details. Our custom-designed software analyses your requirements and declaration and fetches the relevant quotes. It is important to note that the accuracy of the information significantly affects the accuracy and relevance of the quotes.
How to Save Money on Convicted Car Insurance
Ensurance Compare not only helps you find the discounted convicted driver insurance deals for car insurance, but it also helps you to keep your premiums low.
It is our goal to help every driver find the best insurance deals and assist our clients at every step of the way from comparing the quotes, buying insurance to keeping premiums low.
You can save money on Convicted Driver Insurance by
Adding A Trustworthy Driver with you
If you are investing in a couple or family insurance policy, it can lower your convicted driver insurance cost. The convicted drivers can benefit from reduced rates if they add another non-convicted driver to their insurance. It adds to their credibility and can reduce the insurance cost.
Enrolling in Driving Rehabilitation Program/Community Service
The Driving and Motor Vehicle Authority offers rehabilitation programs for drunk drivers or drivers convicted of driving-related charges.
Even though the enrollment fee in these programs is high, it can save you hundreds of pounds when it comes to saving on insurance policy for drunk drivers. The convicted driver insurance companies offer a better price to the drivers who have completed the rehabilitation program.
Comparing Insurance Quotes
Comparing insurance quotes is necessary if you want to find out the best Convicted Driver Insurance for you. Ensurance Compare’s specialised software helps you compare the insurance quotes for drunk drivers through simple steps within few minutes.
Do not fall for the false claims when you can compare the best deals for free at Ensurance Compare.
Raise Your Excess
Another way of lowering your Convicted Driver Insurance premium is to raise your excess which is the amount you pay in excess to your claim amount.