Getting cheap insurance when you have convictions

In today’s world, it is becoming extremely rare to find a person with a clean licence. If you’ve have convictions on your licence because you have committed a motoring offence, it doesn’t necessary mean that you are a bad person and you shouldn’t be able to find cheap convicted driver insurance. After all, you wouldn’t even bother looking at insurance cover at all if you were the “bad guy” now, would you?

Common driving convictions

Below is a list of motoring convictions which can make getting insurance a nightmare:

• SP30 - Exceeding speed limit on public road
• DR10 - Driving or attempting to drive with alcohol above limit
• IN10 - Using a vehicle uninsured against 3rd party
• DD10 - Driving in a dangerous manner
• TS10 - Failing to comply with traffic light signals
• DD40 - Dangerous driving
• SP60 - Undefined speed limit offence
• CU30 - Using a vehicle with defective tyres
• SP50 - Exceeding speed limit on motorway
• DR80 - Failure or attempting to drive when unfit through drugs

There are many other offences besides the ones listed above which can result in high insurance premiums or difficulty in finding adequate insurance cover because insurers are likely to decline to quote due to your convictions.

How to get affordable premiums for banned and convicted drivers then?

You may have lost your no claims bonus because you were at fault in an accident and find that renewals quotes for insurance are staggering or have received a driving ban and now that you are back to driving, you wonder whether it’s worth getting insured at all. Don’t panic! Drivers with convictions can get insurance at a fair price if they go to the right insurers. Mainstream insurance companies will not want to provide cover for you because you have a record of breaking the law when driving but there are insurers who specialises in insurance quotes for people with convictions.

They will consider your past driving history and be more sympathetic towards you as the core of their business is you, the driver with endorsements on his licence. They will then give you a quote for convicted driver insurance based on the severity of the motoring offence, the car you want to insure and you, the driver looking for the car insurance policy.