Compare convicted driver van insurance

If you’ve been convicted of a criminal offence, motoring or otherwise, you may find it harder to get cheap van insurance. But there are ways to find cover that’s both affordable and meets your needs.

If you’ve been convicted of a criminal offence, motoring or otherwise, you may find it harder to get cheap van insurance. But there are ways to find cover that’s both affordable and meets your needs.

Daniel Hutson
From the Motor team
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Posted 3 MARCH 2021

Criminal convictions and van insurance

Any type of criminal conviction is likely to affect the cost of your van insurance. Statistics show that drivers with a criminal conviction are more likely to be in an accident and need to make a claim. An insurance provider is likely to reflect this added risk in the form of a higher premium.

If your conviction was linked to motoring, again, you can expect to pay more for van insurance. If you’re finding it hard to get van insurance from regular providers after a driving conviction, you might need to find a specialist insurance policy.

Did you know?

If you’ve been banned from driving and take your van off the road, you’ll need to declare a Statutory Off Road Notification (SORN). While your van is declared SORN, you won’t need to tax it or have insurance. Just make sure it’s parked off the road, on a driveway, private land or kept in a garage.

What qualifies as a criminal conviction?

A criminal conviction is when a court of law finds you guilty of a crime. Convictions can be anything from failing to pay a fine for littering, to a speeding offence.  

You’ll need to tell a van insurance provider about any unspent convictions you have. Convictions that are considered ‘spent’, under the Rehabilitation of Offenders Act 1974, do not have to be disclosed.

A criminal conviction becomes spent after a specified amount of time, except with prison sentences of more than four years which are never spent.  

Reprimands, final warnings and cautions are spent immediately and don’t have to be disclosed. The charity Unlock has a calculator that lets you know when convictions are spent.

What counts as a driving conviction?

In the UK, there are over 70 types of motoring offences you could be convicted for.

If you commit a motoring offence, you’ll be penalised according to how serious the offence is. At the very least, you could receive a fine and penalty points on your driving licence.

Here are some of the most common driving offences you could be convicted for:

  • Speeding: three penalty points and a £100 fine is the minimum penalty.
  • Using a mobile phone while driving: You could be given a £200 fine and 6 penalty points – you’d also lose your licence if you passed your test in the last two years.
  • Ignoring traffic light signals/running a red light: 3 penalty points.
  • Driving without insurance: You could be landed with six penalty points and fined £300. This could end up being an unlimited fine and you might even be banned from driving, should the case end up in court.
  • Drink driving DR10 offence: 3-11 penalty points

How do van driving convictions work?

If you commit an illegal offence on the road, it could result in you going to court and your driving record is likely to be endorsed. There are two elements to this: endorsement codes and penalty points. Endorsement codes indicate what your offence was – for example, BA10 is driving while disqualified.

Each endorsement comes with penalty points – if you collect 12 points within three years, you’re very likely to be banned from driving for at least six months. If you get six points within two years of passing your test, it’s likely you’ll be disqualified from driving. You’d then have to apply for a new provisional licence and pass your theory and practical driving tests again.

Endorsement codes and penalty points stay on your record for between four to 11 years. The length of time will depend on how serious your offence was.

Do I have to declare convictions when getting a van insurance quote?

You must tell your van insurance provider about any unspent convictions you have.

The charity Unlock has a calculator that lets you know when convictions are spent. But please note, the requirements around disclosure may differ depending on where you live in the UK.

How will a driving conviction affect my van insurance?

If you’re convicted of a driving offence it may be difficult to find van insurance.

If you can find cover, expect to pay more. This is because you’ll be considered a higher claims risk.

If it’s a serious offence, for example drink driving, some insurance providers may refuse to cover you altogether. And it’s not just driving convictions; any criminal offence, even a minor one, can have an impact on finding affordable van insurance.

What can I do to reduce the cost of my convicted driver van insurance?

If you’re a convicted driver, there are things you can do to help reduce the cost of your van insurance:

  • Telematicsblack box insurance could help reduce your premium by showing that you’re a safe and responsible driver. An app, or device fitted to your van, records how you drive and sends the information to your insurance provider.
  • Increase your voluntary excess – the excess is the amount you have to pay when you make a claim. Your policy will come with a compulsory excess, and you can add a voluntary excess as well. The higher the excess, the less you’ll pay for your premium. Just make sure you can afford to pay the compulsory excess and the voluntary excess in the event of a claim.
  • Cut down your mileage – driving less and avoiding rush-hour traffic lowers the risk of being involved in an accident. Keeping your annual mileage down could help reduce the cost of your premium.
  • Take a driving course – if you’ve been banned from driving, certain driving courses, for example a speed awareness course or a drink-driving rehabilitation course, could reduce the length of your ban and possibly lower the cost of your premium.
  • Security features – installing an alarm or immobiliser could reduce the risk of theft. Let your insurance provider know about any security features, as you might be offered a discount.

Comparing van insurance quotes for convicted drivers

It’s important to answer questions about any past driving convictions accurately and in full when comparing van insurance quotes. Failing to disclose any unspent convictions when asked by an insurance provider could result in a further conviction. And because insurance providers share information with one another, you might find it harder to secure cover in the future.

Van insurance providers take different approaches to adjusting premiums for those with driving and/or non-driving convictions. It’s worth running a full price comparison to help you find van cover that meets your needs.

If you’re still finding it hard to get van cover, there are specialist providers and brokers of van insurance. The charity Unlock offers support for people with convictions and might be able to help you with more information and advice.

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