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Convicted Drivers Car Insurance

If you’ve been convicted of a motoring offence, it may make obtaining car insurance more difficult. In this article we will look at the types of offences and the likely impact on your insurance.

It is really important that you tell your insurer if you have any motoring convictions as this could affect your cover. 

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Motoring convictions

These vary in how serious they are. Each endorsement has a special code and penalty points ranging from 1 to 11. You get more points for more serious offences.

Offence codes and penalty points must stay on your driving record for 4 or 11 years depending on the offence. 

The following offences must stay on your licence for 11 years:

Driving or trying to drive when above the drink driving limit
Driving or trying to drive with drug levels above any limits 

Causing death by careless driving when:

Unfit through drink
Unfit through drugs

All other types of conviction must stay on your licence for 4 years:

  • Accident offences e.g. failing to stop or report
  • Careless driving
  • Construction and use offences which refer to driving a car that is not roadworthy
  • Disqualified or uninsured offences e.g. driving without insurance
  • Failing to obey traffic signals, lights or signs
  • Licence offences e.g. driving when your licence has been revoked
  • Pedestrian crossing offences
  • Reckless or dangerous driving
  • Speeding
  • Other miscellaneous offences e.g. racing on public roads

Driving Bans

You could be banned from driving for any type of driving offence if a court deems it appropriate. Alternatively, if you get 12 or more penalty points (totting up) within 3 years you could face a ban.

Bans can last from 6 months for first time offences up to 2 years for repeat offenders. The court will decide how long the disqualification will last, based on how serious they think the offence is.

Remember that if you’re disqualified for 56 days or more you must apply for a new licence before driving again. You might also have to retake your driving test or take an extended driving test before getting your new licence. The court will tell you if you have to do this.

For new drivers the rules are different. Your licence will be revoked if you get 6 or more points within 2 years of passing your test. If your licence is revoked you’ll have to apply and pay for a new provisional licence and pass both theory and practical parts of the driving or riding test again.

The effect on your insurance

It really is important to let your insurer know about any convictions. Insurers calculate premiums based on your driving record and are likely to determine that you are higher risk as a result of your offence. As the offence stays on your licence for at least four years, you could expect to pay more throughout this period.

Drink driving offences are among the most serious in an insurers’ eyes as the potential for serious accidents is significant. To reflect this, drink driving is likely to have a significant impact on your insurance. You may also find some mainstream insurers refuse to insure you and those that do may demand hefty premiums 

The effect on your insurance

It really is important to let your insurer know about any convictions. Insurers calculate premiums based on your driving record and are likely to determine that you are higher risk as a result of your offence. As the offence stays on your licence for at least four years, you could expect to pay more throughout this period.

Drink driving offences are among the most serious in an insurers’ eyes as the potential for serious accidents is significant. To reflect this, drink driving is likely to have a significant impact on your insurance. You may also find some mainstream insurers refuse to insure you and those that do may demand hefty premiums 

The effect on premium of a conviction varies by age group.**

In February 2016 the average premium for a young driver aged between 17 and 25 was £962.92. Across all types of conviction, a single one increased the premium by 1.5% for this age group, two convictions saw the premium jump 15% and three convictions, 33%.

Again, across all driving convictions, the effect on price for 26 to 35 year olds was 13% for one conviction, increasing to 63% for three convictions.

For 66 to 75 year old drivers who have the lowest average premiums at £239.11 the effect of convictions is greatest. Three convictions in this age group saw premiums rise by 137% to £567.84.

So, if you have driving convictions you could find your insurance at the very least, more expensive. If you’ve got a number of convictions or one of a more serious nature you may find that you need to find specialist providers. Whatever, your situation it could save you money to compare quotes to find the best deal for you.

** February 2016 data average price for car insurance with 1 or more convictions.

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