It is difficult to get convicted driver insurance because not all insurance companies offer it. Convicted Driver Insurance includes various offences from drink/drug driving to speeding (which is considered a minor offence). Convicted drivers with previous bans can face up to 70% more on top of their insurance costs. Not telling your insurance company that you have points will make your insurance invalid.
Below are a few tips to reduce your costs of your Convicted Driver Insurance as painless as possible.
Reducing your Insurance quote
A no claims discount accrued before conviction could help reduce costs.
Increasing the security of your car can bring down the costs. For example: including an immobiliser or tracker, or any Thatcham-approved devices will help.
Improve your overnight parking. E.g. parking in a garage makes it a lot safer than parking on a road or on the driveway.
Reducing your annual mileage.
Adding a second driver who’s over 25 and an experienced driver.
Paying in one instalment can cut the premium by 10%.
Do not customise your car as this renders your car more likely to be stolen.
Taking our 3rd party insurance only does not cover you for personal injury of the driver or passengers, where the policy holder is at fault for the accident.
Do not withhold information on the car insurance application form. If you are found out to be doing this it will label you as dishonest and it will NOT reduce your premium.