Convicted Driver Car Insurance
We know the most important thing is to look after our customers – and that’s what we do.
Many motorists have driving convictions and it can be very difficult to find car insurance that is competitively-priced, whilst also giving you the right cover.
- In 2016 2.2 million speeding offences were committed. The highest since 2011. (Department for Transport).
- In 2016 the UK seen the highest number of motoring offences since 2007. With speeding offences on the rise while convictions for dangerous, careless, or drunk driving fell. (Department for Transport).
Despite this worrying increase, there is better news when it comes to obtaining your car insurance. Here at Aim4aGreatQuote our highly trained team is on-hand to listen to your individual circumstances and we will endeavour to find you the best policy at the best price.
We will access our large panel of Insurance Companies to ensure that you get the cover you require on your car insurance.
Aim4aGreatQuote can cover All driving convictions : including totting up, drink driving, death by dangerous driving and more. We have insurance partners who specialise in drivers with motoring convictions and serious motoring convictions.
Our experienced advisors are here to get you a great deal on your car insurance, no matter what your driving history.
Must I declare my non – motoring convictions when getting car insurance?
Never be tempted to hide your conviction just to get a cheaper quote. Failure to reveal convictions could invalidate your policy, meaning that any claims would be refused and you would essentially be driving whilst uninsured. If you are unsure, always disclose your criminal conviction, then the insurers can fairly assess any risk and we can advise you from there.
However when finding car insurance quotes, you only need to be honest about any convictions if they are ‘unspent’. Criminal convictions become spent, or can be ignored, after a certain period, the length of which depends on your sentence.
So, for example, if you were given a fine or community service, your conviction could be spent after five years. After this, you don’t have to declare it to insurers, but how long this takes depends on your sentence.
Other examples being : a prison sentence lasting less than six months would be spent two years after, according to the Rehabilitation of Offenders Act. However, a prison sentence lasting over four years will never become spent and must always be declared.
It all comes down to personal circumstances and your personal sentence. If you are not sure whether your conviction is spent or unspent, then declare it and your insurers can advise you from there.
Do I need to disclose my motoring convictions on my car insurance?
In short, yes.
It is also very important to remember that at your renewal, you have an obligation to tell your insurance company. We for example ask you at renewal if there are any changes that we need to know about, this includes any new convictions that may have been picked up.
This also includes everyone covered by the policy, so make sure you have details handy of any named drivers.
If asked and you fail to disclose unspent convictions, your car insurance could be invalid. Apart from the potential financial implications, driving without valid car insurance cover is itself an offence.
That said, motor convictions also eventually become ‘spent’, under the Rehabilitation of Offenders Act. However exactly when that happens ultimately depends on your personal circumstances. Some insurers also don’t require disclosure after 5 years, unless you have a serious conviction, in which case you need to disclose.
Never be tempted to hide your conviction just to get a cheaper quote. Failure to reveal motoring convictions could invalidate your policy, meaning that any claims would be refused and you would essentially be driving whilst uninsured. If you are unsure, always disclose your motoring conviction, then the insurers can fairly assess any risk and we can advise you from there.
If I have a conviction, can I still get insurance?
In short, yes.
Aim4aGreatQuote deals with many specialised car insurers, who specialise in non-standard risks. If you have a criminal conviction, a serious criminal conviction, a motoring conviction or a serious motoring conviction, we are able to obtain car insurance cover and competitive prices for you.
We may need to take extra information from you, but we have been dealing in car insurance since 1959. So we know who to talk too and obtain the right cover at the right price for you.
How does a Drink-Driving Conviction affect my car insurance?
If you have been convicted of drink-driving, you will more than likely have been issued with one of the following insurance codes: DR10, DR30, DR40, DR50 or DR70, on your driving licence.
The most common being a DR10 – Driving, or Attempting to Drive, with Alcohol Level above Limit.
In England and Wales, the alcohol limit for drivers is
- 80 milligrams of alcohol per 100 millilitres of blood,
- 35 micrograms per 100 millilitres of breath,
- or 107 milligrams per 100 millilitres of urine.
The alcohol limit for drivers in Scotland is different than in the rest of the UK. In December 2014 the limit was reduced to
- 50 milligrams of alcohol in every 100 millilitres of blood.
- The breath alcohol equivalent reduced to 22 micrograms of alcohol per 100 millilitres of breath.
The amount of alcohol it takes to put an individual person over the limit varies widely and can be influenced by their sex, age, weight and metabolism, as well as what and how much alcohol they have drunk, when they last ate and their emotional state. It is always safest to abstain from alcohol when driving.
Drink driving penalties can be severe. Depending on the type and gravity of the offence, imprisonment, an uncapped fine and a driving ban are all possible repercussions. Any offender can also expect to receive between three and eleven penalty points.
Any drink driving offence is a strict matter for the magistrates’ court, with certain high-risk offenders having to also pass a medical examination before getting their licence back.
If this is the case, you may struggle to find affordable car insurance for some time following your conviction, especially if you received a driving ban. However, it is possible to find car insurance for serious offences too.
The length of time these convictions impact your car insurance for depends on your code, any driving bans, your age and how long you have been driving.
How long do points stay on my driving licence?
Endorsements stay on your driving record for 4 or 11 years depending on the offence. This can start from either the date you’re convicted or the date of your offence
Visit link below for more details :
How much can penalty points add to your car insurance?
Having just one to three penalty points on your driving licence can push up your car insurance by anything from £10 to £75 a year. It all depends on which insurance company you are with.
Equally after one 1 year, 3 points for a speeding offence – SP30 – may make no difference at all to your car insurance premiums.
However, never be tempted to hide your conviction just to get a cheaper quote. Failure to reveal motoring convictions could invalidate your policy, meaning that any claims would be refused and you would essentially be driving whilst uninsured. If you are unsure, always disclose your motoring conviction, then the insurers can fairly assess any risk and we can advise you from there.
What’s a speeding awareness course?
The National Speed Awareness Course (NSAC), is designed to allow the Police to send low end speeding motorists on a re-education course.
To qualify for a National Speed Awareness Course the driver’s speeding needs to be within certain limits :
- In a 30mph zone, your speed needs to be between (and including) 35mph and 42mph.
- On motorways, the figure needs to be between (and including) 79mph and 86mph.
- Furthermore, you will not be offered a Speed Awareness Course if you have taken one in the three years prior to your most recent speeding offence.
The National Speed Awareness Course is a half-day theory based workshop designed to help you recognise speed limits, address the reasons for speeding and give you information to help you reduce the likelihood of speeding in the future. Completing the workshop means that you will not have to pay the Fixed Penalty Notice and you will not get penalty points on your licence.
The speed awareness course is a popular choice.
- 2014 nearly 1.2 million drivers completed the course.
- 2015 over 1.2 million drivers completed the course, to avoid receiving penalty points and a fixed fine.
Is a speed awareness course classed as a conviction?
In short , No. A speed awareness course is not a conviction, so it might not make any difference to your car insurance premiums.
However you have a duty to answer all questions honestly, so if you are asked about taking a speed awareness course, you must answer yes. Not all insurers ask whether you have taken a speed awareness course. However, Admiral Insurance Group is one insurer that does and they also increases premiums.
Insurance firms use many databases to check information and fraud. The insurers for example can and do contact the DVLA about your history. With regards to Speed Awareness Courses, this information is currently not held at the DVLA, but rather it is held by local police forces, so insurers currently do not have access to these databases. However, if you are asked and you failed to reveal that you have been on a speed awareness course, you could find that your policy is invalid. So always err on the side of caution and disclose this information if you are asked.
Opting for points on your licence as an alternative to attending a speeding course is likely to increase your insurance premium even further. Please see above to how much it can affect your car insurance premiums.
Do I need to notify my insurers if I get a speeding ticket?
In short, Yes.
Insurers do require you to report changes in your driving record when you take out a new policy and more importantly at any renewal of a policy. All insurers will ask at the renewal. Vitally, you driving record can easily be checked by the insurers on their anti fraud databases and the DVLA. So the insurers can quite easily find out, if and when a claim occurs.
Always disclose any new motoring offences.
UK motoring offence codes :
Each endorsement has a special code and is given ‘penalty points’ on a scale from 1 to 11. You get more points for more serious offences. The table on the Government website shows the offence codes that can be put on your driving record. It also shows how many penalty points you can get for them. Some offences may also involve a disqualification.
Offence codes and penalty points must stay on your driving record for 4 or 11 years depending on the offence.