If you’re driving convicted, insurance might be hard to find

If past motoring offences have led to your being convicted, insurance might be hard to find.

Insurers’ attitudes and policies

Different insurers have different policies towards motoring convictions. Some operate what might be regarded as a very strict policy; others may be more lenient. What is this likely to mean for you, the motorist?

Those insurers which adhere to a strict policy might significantly increase your motor insurance premiums, whatever your convictions. In the case of more serious offences, they might go so far as to decline further cover. Those insurers taking a more lenient view, however, might increase your premiums rather less and continue to accept business from those with even the more serious driving convictions.

Declarations

In order to avoid the risk of your application being declined or of paying increased premiums, you might be tempted to make a false declaration about any convictions. This is not a good idea. Not only might you have a legal obligation to declare them, any insurance you arrange on that basis may be invalid.

Motor insurance specialists

If your previous lapses in driving have led to your being convicted, insurance might still be found through the services of motor insurance service providers specialising in cover for drivers with many types of driving conviction.

As specialists, such service providers are familiar with those insurers with more lenient policies towards driving convictions and trawl the insurance offers available while focusing on those insurers. Typically, they are in some cases, in a position to offer you the most attractive and competitively priced quotes.

Typically, it is their specialist knowledge across the whole motor insurance industry that might help you to identify those policies that suit your particular needs and circumstances. Using the principles, they sometimes also offer similar services to other specialist needs – such as instrcutors insurance, for example.

Following up a quote

Typically, these service providers may have no connection with any particular insurer or group of insurers, but find you motor insurance quotes on an entirely independent basis. If you are interested in a particular quote, therefore, it is simply a question of following that up with the broker or insurance company concerned. When your driving record shows you’ve been convicted, insurance quotes might be usefully sought from such specialist service providers.