Insurance for Convicted Drivers

For people who have convictions on their driving licence, finding a decent quote for insurance purposes is like looking for a needle in a haystack. As soon as your licence is stamped with penalty points and motoring offence listed, insurers run a mile from you because you’ve made it to their high risk group which can cost them serious money. Getting cheap car insurance for convicted drivers is not an easy hurdle but equipped with the right information and true determination, a reasonable quote can be obtained.

Many insurers will bluntly refuse to consider your application for car insurance if you do not have a clean driving licence and have convictions which are likely to make them doubt your ability to drive. Therefore your choices are quite limited to start off with but there’s still hope.

Drivers who have DR10 (drink driving), DD40 (dangerous driving), DR80 (drug driving) or have caused deaths through their irresponsible driving are more likely to have a hard time getting insured. This is not to say that people who have other convictions will find it relatively easy to get covered. For example, if you have an IN10 conviction code on your licence, insurers will most certainly hesitate to quote you because you’re someone who doesn’t abide by the laws and it is illegal to drive any vehicle without the minimum third party insurance cover.

All too often, this leads to having convicted drivers pushed towards becoming more of an outlaw because society seems to be against them. If you in your goodwill are trying to get insured but nobody is willing to give you a decent quote or just rejecting your application every time, then you are more likely to drive without insurance of any kind. This is not advised though because the consequences can be catastrophic afterwards. You can be fined a huge amount and face criminal prosecution which can lead to jail sentence and imprisonment is not something that anyone really wants.

Whether you have received convictions whilst using your bike, driving your van or your car, the best solution is to contact specialist insurance companies instead of going to the common insurers. Mainstream insurance companies are fine when you have a clean driving record, that is, no penalty points and convictions. Insurers specialising in convicted drivers will be able to give you the cheapest quote because that’s their area of expertise. They will be able to assess your application for insurance more appropriately and disregard any prejudice that mainstream insurers show and you will therefore obtain as cheap a car insurance quote as you will ever get based on your circumstances. Some specialist companies will even take into consideration your previous no claims bonus (NCB) provided it is within the last 2 years.

So whether you are a young convicted driver or an experienced driver who has received his first even conviction, don’t get your hopes down just yet. Mistakes happen in life and if you’re a reformed driver now, then there are insurers who will see past your motoring offences and offer you a reasonable premium. There are many drivers who have been banned and disqualified from driving for a number of years and the mere thought of getting back on the roads can be daunting especially if you have contacted mainstream insurance companies first and you’ve got the shock of your life at how much it’s going to cost you to insure your vehicle.

The advice is that for convicted driver insurance, only specialist companies can give you decent quotes. So you will probably waste your time contacting the usual common insurers and you might even feel hopeless and frustrated and in order to avoid any disappointment of any sort, it is best to get in touch with the people specialising in the business for drivers with convictions.