Home > Driver Offences > Insurance Consequences After a Driving Offence Conviction

Insurance Consequences After a Driving Offence Conviction

By: Garry Crystal - Updated: 3 Dec 2015 | comments*Discuss
 
Driving Convictions Offence Insurance

Drivers who have been convicted of a driving offence will find it hard to obtain reasonable insurance premiums. Some insurers will now no longer provide insurance for drivers who have been convicted of drink driving offences.

Are Drink Drivers Being Blacklisted by Insurers?

Any driver who has been convicted of a drink driving offence is more than likely to be hit with a large rise in their insurance premiums. According to insurance analysis data it does seem as if insurers will either massively hike up their insurance premiums or refuse to insurer drivers who have been convicted. But there will always be some insurers who will be willing to insure as long as the driver is willing to pay the massive increase.

Do Any Insurers Offer Reasonable Rates for Drivers Who Have Been Convicted?

There are insurers who do offer specialist policies for drivers who have been convicted of drink driving offences. Certain insurers will take drink drive rehabilitation courses into account when providing an insurance quote. A rehabilitation course can lower insurance premiums and can also cut a driving ban by as much as twenty five percent. Statistics show that many drink drivers do learn after their convictions. But around 12% of drink drivers will re-offend within 10 years of their first conviction.

How Much Can Premiums Increase After a Conviction?

The rise in insurance premiums will depend on the individual insurers but the rise can be as much as £300 per year. Aside from the rise, one of the major obstacles is trying to find an insurer who will quote for drivers with drink driving convictions. It is increasingly common for insurers to simply refuse quotes if convictions are less than five years old. Many insurers will simply refuse quotes if they find that drivers have received a DR10. A DR10 is an endorsement for driving or attempting to drive with a blood alcohol level above the legal limit.

Are There Ways to Find Lower Car Insurance for Convicted Drivers?

There are a few routes to take that might make insurers lower their premiums. If drivers do undertake a large amount of mileage then it might be an idea to limit the amount of driving they do. The less driving undertaken the less chance there is of the driver being involved in an accident. Another method is to limit the actual policy cover and only list the owner as the specified driver with no other person allowed to drive the vehicle. Increasing security on a vehicle such as anti-theft devices may also reduce insurance premiums.

Is it a Good Idea to Obtain Multiple Quotes?

Obtaining quotes from various insurers may be worthwhile but will take a lot of work. Using an online comparison site to compare insurance quotes will take some of leg work out of finding the lowest quote. Online only insurers will often be able to provide less expensive insurance quotes as they have fewer overheads. Many insurers will actually offer discounts if customers use their websites rather than going through their call centres.

Will Accepting a Higher Voluntary Excess Lower the Premiums?

In general, the higher the voluntary excess paid the less the insurance premiums will cost. If a driver pays a higher voluntary excess it will mean the insurance company pays out less if a claim is made. Offering to pay a higher voluntary excess during the quote assessment can mean lower insurance premiums.

Will Stipulating Someone Else as the Main Driver Help to Lower Premiums?

If a responsible driver with no convictions is named as the main driver then this could lower insurance premiums. The main driver should have a clean record and no previous insurance claims. If another driver is going to drive the car for the major percentage of time then it can help to lower the actual insurance premiums.

Will All Driving Convictions Make a Difference to Insurance Premiums?

In most cases insurance companies will apply higher premiums for drivers who have been convicted of driving offences. Even totting up penalty offences can make a difference to insurance premiums. Insurance companies are looking at the likelihood of their company having to pay out in the event of a claim. Any driver who has been convicted of a driving offence is seen as a risk to an insurance company.

You might also like...
Share Your Story, Join the Discussion or Seek Advice..
I need an urgent advice please. I originally lived in Hampshire but a few months a go I moved to Birmingham for a new temporary job, rent a place there and failed to update the address on my car insurance on time. Even though I was fully insured with the option to drive other vehicles the police invalidated my insurance on the spot and seized my car. The policeman advised that the MIB cancelled the insurance. I now received a letter where I need to choose between guilty (£300 fine and 6 points) or not guilty and go to court. They basically treat me like someone who had no insurance at all. I called the MIB on 01908 830001 and they said that they have no power to cancel an insurance policy so I am confused about the whole situation and the right steps I need to take from here. Any advise would be very helpful please.
Nik - 3-Dec-15 @ 2:43 PM
Share Your Story, Join the Discussion or Seek Advice...
Title:
(never shown)
Firstname:
(never shown)
Surname:
(never shown)
Email:
(never shown)
Nickname:
(shown)
Comment:
Validate:
Enter word:
Latest Comments
  • Wilksey
    Re: Notice of Intended Prosecution
    My partner was stopped by the police for not wearing a seatbelt correctly in her lorry, this happened over 5 weeks ago. She was…
    20 May 2018
  • Boris
    Re: Running a Red Light
    Hi I went through a amber light witch could have changed to red seconds as I went past it but not sure also had a red light camera pointing…
    20 May 2018
  • Adi
    Re: Challenging a Speeding Fine
    Hi, I have been cached on hand held camera doing 35 on 30, Im sure I have been going 30 and now Im planing to contest the fine and…
    19 May 2018
  • NoPenaltyPoints
    Re: Disabled Bays and Illegal Parking
    Benny - Your Question:Hi,A member of public took the photo of my car when I stopped at Disabled bay at Morrison to draw…
    18 May 2018
  • NoPenaltyPoints
    Re: Driving Offences on a Motorway
    ithw888 - Your Question:Can anyone explain how and when a variable speed limit is enforced? I keep hearing its only during peak…
    18 May 2018
  • NoPenaltyPoints
    Re: Notice of Intended Prosecution
    Matt - Your Question:Hi was giving a nip 4 days after receiving my acknowledgment of no longer being the registered owner of a…
    18 May 2018
  • Benny
    Re: Disabled Bays and Illegal Parking
    Hi, A member of public took the photo of my car when I stopped at Disabled bay at Morrison to draw money from the ATM. My…
    18 May 2018
  • ithw888
    Re: Driving Offences on a Motorway
    Can anyone explain how and when a variable speed limit is enforced? I keep hearing its only during peak traffic times or when…
    17 May 2018
  • Matt
    Re: Notice of Intended Prosecution
    Hi was giving a nip 4 days after receiving my acknowledgment of no longer being the registered owner of a vehicle. Change of…
    17 May 2018
  • Ryan
    Re: Penalty Points and the New Drivers Act
    I have had my license for over 2 years ni in my first year I got 4 points for speeding but last summer I got pulled…
    17 May 2018
Further Reading...
Our Most Popular...
Add to my Yahoo!
Add to Google
Stumble this
Add to Twitter
Add To Facebook
RSS feed
You should seek independent professional advice before acting upon any information on the NoPenaltyPoints website. Please read our Disclaimer.