Convicted Driver Insurance Quotes

Convicted Driver InsuranceAlthough it may appear to be difficult to get approved for insurance or to get insurance at a reasonable rate after exceeding the speed limit on a public road, driving with alcohol above the limit, driving in a dangerous manner, using a vehicle with defective tyres, or some other conviction, it is not impossible.

Moreover, it is not only possible to get insurance, but you can get exactly the kind of insurance you need at a fair price.

If you’ve shopped around for car insurance while burdened by a conviction, you may be wondering how this is feasible.

The secret to success is to forget about getting regular insurance from a standard insurance company.

Instead, look for Convicted Driver Car Insurance.

Convicted Driver Car Insurance

This is a speciality type of insurance that is available from a company that specializes in helping people who are in your situation. An insurance company that works in this niche will be able to cover you for all types of convictions. It will cover you whether you have a motoring or criminal conviction. In addition, the quotes are reasonable, not exorbitant.

Standard Insurance Companies

Insurance companies as a whole tend to be highly conservative. They guard their financial assets by limiting their risks, preferring those who have clean records over those who have a conviction. When someone who has a conviction asks for insurance, they react in a punitive way by either denying insurance altogether or offering it at a rate that is ridiculously high. They believe that if someone made a mistake in the past, then they pose a high risk. Even if you are convicted of driving with defective tyres because you were not aware of their poor condition, you are treated with little or no respect. Many people trying to get insurance from a conventional insurance company often give up out of frustration.

Speciality Insurance Companies

Fortunately, there are insurance companies who do not treat someone who has a conviction as a bad person. They understand that if someone were irresponsible, they would not be trying to get insurance in the first place. In addition, studies have shown that those who have made a mistake in the past, who have broken a law, are much less likely to do it again. These insurers understand that the past does not equal the future and that a past mistake is not indicative of future errors in judgement. They view a person who has a conviction as a good person who has experienced some misfortune.

This attitude is reflected in their policies. Experienced underwriters will do their best to offer cover at an affordable price. They design tailor-made policies to suit unusual circumstances. They consider your past driving history, the severity of the conviction, and the make, model, year, and condition of the car before offering a quote. Although most have an online presence, they don’t offer online quotes, preferring to talk to you first before calculating the premium.

Tips on How to Get Discounts

Although a speciality company will do their best to give you a reasonable quote, there are many things you can do as a car owner to reduce your premiums even more.

  • If the conviction is because of drinking while driving, you can reduce premium rates by attending a rehabilitation course.
  • Shop around between various insurance specialists as prices vary widely, often by hundreds of pounds.
  • Buy your insurance online rather than from the company’s call centre as discounts are offered for this type of purchase.
  • By accepting a higher voluntary excess, it will reduce your premiums.
  • Limit the policy to include only named drivers rather than one that allows anyone who has your permission to drive.
  • Reduce how much you drive. This will limit the possibility of an accident.
  • Increase motor vehicle security by installing devices approved by Thatcham, the research centre for the insurance industry in the UK. Security systems that conform to their standards are eligible for a discount.

UK Driving Conviction Codes

  • AC10 Failing to stop and/or give particulars after an accident
  • AC20 Failing to give particulars or report accident within 24 hrs
  • AC30 Undefined accident offences
  • BA10 Driving while disqualification by order of the Court
  • BA20 Driving while disqualified as under age
  • BA30 Attempting to drive while disqualified by order of the Court
  • CD10 Driving without due care and attention
  • CD20 Driving without reasonable consideration for other road user
  • CD30 Driving without due care and attention or without reasonable consideration
  • CD40 Causing death – careless driving when unfit through drink
  • CD50 Causing death – careless driving when unfit through drugs
  • CD60 Causing death – careless driving with alcohol level above limit
  • CD70 Causing death – careless driving – failing to supply specimen
  • CU10 Using a vehicle with defective brakes
  • CU20 Using a vehicle with parts or accessories in dangerous condition
  • CU30 Using a vehicle with defective tyres
  • CU40 Using a vehicle with defective steering
  • CU50 Causing or likely to danger by reason of load or passengers
  • CU60 Undefined failure to comply with Construction and Use Regulations
  • DD10 Driving in a dangerous manner
  • DD20 Driving at a dangerous speed
  • DD30 Reckless driving
  • DD40 Dangerous driving
  • DD50 Causing death by dangerous driving
  • DD60 Manslaughter or culpable homicide while driving a vehicle
  • DD70 Causing death by reckless driving
  • DD80 Causing death by dangerous driving
  • DR10 Driving or attempting to drive with alcohol above limit
  • DR20 Driving or attempting to drive while unfit through drink/drugs
  • DR30 Driving or attempting to drive/refusing or failing to supply specimen
  • DR40 In charge of vehicle while alcohol level above limit
  • DR50 In charge of vehicle while unfit through drink or drugs
  • DR60 Failure to provide specimen for analysis other than driving
  • DR70 Failure to provide specimen for breath test
  • DR80 Failure or attempting to drive when unfit through drugs
  • DR90 In charge of a vehicle when unfit through drugs
  • IN10 Using a vehicle uninsured against third party risks
  • LC10 Driving without a licence
  • LC20 Driving while under age. Driving other than in accordance
  • LC30 Driving after making a false declaration about fitness
  • LC40 Driving a vehicle having failed to notify a disability
  • LC50 Driving after a licence has been revoked or refused medical
  • MS10 Leaving a vehicle in a dangerous position
  • MS20 Unlawful pillion riding
  • MS30 Play street Offences
  • MS40 Driving with uncorrected defective eyesight or refusing test
  • MS50 Motor racing on the highway
  • MS60 Offences not covered by other codes
  • MS70 Driving with uncorrected defective eyesight
  • MS80 Refusing to submit to an eyesight test
  • MS90 Failure to give information as to identity of driver etc.
  • NE99 Non-endorsable criminal Act
  • MW10 Contravention of Special Roads Regulations
  • PC10 Undefined Contravention of a Pedestrian Crossing Regulation
  • PC20 Contravention of Pedestrian Crossing Regulations – Moving vehicles
  • PC30 Contravention of Pedestrian Crossing Regulations – stationary vehicles
  • PL10 Driving without ‘L’ plates
  • PL20 Not accompanied by a qualified person
  • PL30 Carrying a person not qualified
  • PL40 Drawing an unauthorised trailer
  • PL50 Undefined failure to comply with conditions of Provisional
  • S 19 Disqualification (“totting – up” procedure)
  • S 35 Disqualification (“totting-up” procedure)
  • SP10 Exceeding goods vehicle speed limits
  • SP20 Exceeding speed limit for type of vehicle
  • SP30 Exceeding statutory speed limit on a public road
  • SP40 Exceeding passenger vehicle speed limit
  • SP50 Exceeding speed limit on a motorway
  • SP60 Undefined speed limit offence
  • TS10 Failing to comply with traffic light signals
  • TS20 Failing to comply with double white lines
  • TS30 Failing to comply with a ‘Stop’ sign
  • TS40 Failing to comply with direction of a constable or warden
  • TS50 Failing to comply with traffic sign
  • TS60 Failing to comply with a school crossing patrol sign
  • TS70 Undefined failure to comply with a traffic direction or sign
  • TT99 To signify disqualification under “totting-up” procedure
  • UT10 Taking and driving away without consent or attempt thereat
  • UT20 Stealing or attempting to steal a vehicle
  • UT30 Going equipped for stealing or taking a vehicle
  • UT40 Taking/driving/be carried in a vehicle without consent
  • UT50 Aggravated taking of a vehicle
  • XX99 To signify a disqualification under “totting-up” procedure

  • Aiding and Abetting Offence code as above, but with zero changed to a 2, e.g. UT10 becomes UT12
  • Causing or Permitting Offence code as above, but with zero changed to a 4, e.g. LC20 becomes LC24
  • Inciting Offence code as above, but with zero changed to a 6, e.g. DD30 becomes DD36