Insurance Quotes For Convicted 19 Year Old

I am 19 and lost my licence in May 2007 for 12 months. I was marginally over the limit (so close that the Magistrate did not impose a fine). I have just bought a 797 cc Daewoo Matiz and need to insure it. I will not lie just to get a cover note. The quotes I am getting are so high (£2000+ even with a £500 excess when the car is only worth £1000!) that I can't possibly afford to insure the car.

Question by Josh Green on 15th Sep 2008 at 16:36

Josh,

This is typical when you have a conviction on your licence; you don't usually get cheap car insurance. What makes it more difficult in your case it that you're quite young as well. By the sound of it, you haven't done the driving ban course which knocks off 25% of your ban length. Some insurers would have given you a discount for this.

What you'll need to do is get quotes from insurers which specialise in convicted drivers. The conventional insurers will quote you higher because you now fall outside the criteria for competitive quotes. Try going to eConvicted Quote Direct and see what kind of quotes you get.

If that doesn't help, you might want to consider going for third party, fire & theft insurance cover instead of comprehensive as this would bring your quote further down.

Let me know how you get on with it anyway and if I can be of any further help.

Answer by Gices on 16th Sep 2008 at 04:35