Take Steps To Reduce Your Insurance Premium After A Criminal Conviction

Speeding and DR10 convictions are common and make you a higher risk to the underwriter. If caught for speeding which is the most common offence then take a speed awareness course. You will still be offered insurance, but the price will be high. When you can show that you have taken positive steps to become a more careful and knowledgeable driver, your premium should start to return to normal.

Positive steps include taking an advanced driving course and taking part in national awareness driving schemes. Agreeing to install a black box to monitor your driving should help lower your future premiums if the data proves your driving should pose a low risk.

Convicted Driver’s Insurance For The Following Trades Available

Cover is available for all those that work within the motor trade industry, the panel can also provide competitive quotes for convicted driver van insurance for drivers that use a van as part of their business. 

• Motor mechanics cover available for mechanics with convictions who are mobile or working from premises.
• Car valets cover for operating a mobile service or working in their own premises.
• Drivers who work for a vehicle transporter in the UK and Europe.

Minor Motoring Convictions

The majority of all minor motoring convictions will remain clearly visible to the DVLA for a period of three years from either when the offence took place or from the date of conviction.

Serious Motoring Convictions

The more serious motoring convictions such as drinking and driving charges (DR10) will remain active for a much longer time and can be on your record up to eleven years.

Totting Up Penalty Points

When a driver attains 12 penalty points, their licence is suspended for six months or more. Once the ban is over, the fact that your driving licence was suspended will remain on your record for up to four years. 

Always Declare All Convictions

It is always best to be honest with your insurance provider at all times. Your policy may become invalid if you hold back information. Insurers don’t look favourably on a customer who holds information on convictions back and place you in a higher risk category, increasing your premium costs or being refused cover.

Criminal Convictions

Criminal convictions are relevant when you are applying for motor trade insurance. They should always be disclosed to your broker. Full disclosure is required, the broker will then determine whether they are relevant or not.

Bad Credit History

Having a poor credit rating can make some insurance providers reluctant to take your business, but most will be happy to provide you with bad credit insurance, especially if you agree to pay annually.

Compare High Risk Motor Trade Insurance

If you have any motoring convictions or criminal convictions, and you’re looking to take out a high risk motor trade insurance policy, the best thing you can do is disclose everything right upfront from the very start. This will prevent problems later. If you are not sure, then the absolute best thing to do is ask.