Car Insurance with CCJ
– Compare Quotes & Understand Your Options
Got a County Court Judgment on your record? In the UK, a CCJ doesn’t usually prevent you from getting car insurance, but it can affect whether an insurer offers monthly instalments. If asked, you must declare unspent CCJs when applying. Compare car insurance from a panel of FCA-regulated UK insurance providers in one quick form and see which policies suit your circumstances. See all our car insurance comparison options.
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Acceptance and payment terms are set by each insurer. Free, impartial debt advice is available from MoneyHelper, StepChange and Citizens Advice. Quotes are provided by a panel of FCA-regulated UK insurance providers.
GET MULTIPLE QUOTES →Compare UK CCJ Car insurance policies from leading insurers, including;
Why compare UK CCJ Car insurance with MultiQuoteTime?
If you own a car in the UK, you’re legally required to have car insurance in place.
To help save on car insurance with a criminal conviction, are you considering other models of car insurance, such as pay-per-mile or pay-as-you-go?
The quote comparison tool will enable you to compare 120+ leading UK car insurance providers. The results can be easily filtered using intuitive filters to let you home in on the quotes that meet your individual requirements.
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Some insurers offer discounts for low annual mileage. Consider this if you don’t drive often.
Expert tip from Eamonn Turley
Guide to Car Insurance with a CCJ
County Court Judgements, or CCJs, are court orders that force debtors to pay their debts and, are normally deducted from your salary or wages at source. Having a CCJ against you will make credit almost inaccessible to you, and some insurance providers may view you as having a higher risk of making claims, making insurance more expensive or difficult to find.
This guide is intended to answer question on the factors that affect the cost of private car insurance premiums, especially for drivers with CCJs. For more information on CCJs, please visit the UK Government’s website that provides further insights.
Does a ccj affect car insurance?
Insurance companies consider factors like CCJ and credit scores when setting up their insurance premiums. However, getting car insurance with CCJ while trying to pay bills might be hectic. Although, it’s going to be difficult and expensive.
A CCJ indicates that you have failed to pay a debt. The information is recorded on your credit report, which is visible to your creditors and insurance companies. Your insurer will likely use it to assess your risk level and understand your poor credit history.
Individuals who have CCJs are more likely to be considered high-risk claimants by insurance companies. As a result, insurers might decide to charge you higher premiums, offer limited coverage options, or refuse to offer you car insurance altogether. Despite the challenges, it is possible to get affordable car insurance. Here are some steps to take to get car insurance with CCJ;
How to Reduce Your Car Insurance Costs with a CCJ
Should I Tell My Insurer About My CCJ?
Failing to disclose it is considered insurance fraud. If your insurer discovers an undeclared CCJ, they can:
- Cancel your policy immediately
- Refuse to pay out on any claims
- Make getting insurance in the future nearly impossible
Why Insurers Check
All insurers run credit checks as part of their underwriting process. Your CCJ will appear on these checks, so there’s no way to hide it. Being honest from the start shows integrity and ensures you’re properly covered.
How long before the CCJ expires?
In the UK, County Court Judgement will expire six years after passing the judgement. This means the CCJ will no longer reflect on your credit report or the Register of Judgement, Fines, and Orders.
However, that doesn’t mean you can avoid paying the debt. Legally, you’re obligated to pay the debt, as your creditors can still take legal action against you for not paying up. Creditors might decide to obtain a new judgement, which, of course, is valid, or take enforcement action against your assets.
Can you still get credit with CCJ?
You can get credit even when the CCJ is still valid. But it’s not going to be easy. Lenders might decide to charge you higher interest rates or even deny you the credits at all. This is because they might view you as someone who is more likely not to repay the loan. And such is bad for business, at least.
If you have a valid CCJ against you and are in desperate need of credits, you have to take the necessary steps to pay the debt as soon as possible. You might try confronting your creditor amicably to negotiate a repayment plan that works for you both. Clearing your debt within the specified timeframe will improve your credit score. It will also make it easier for you to obtain more credit in the future.
Get Car Insurance with a CCJ now!
As our company name suggests, we can provide you access to multiple quotes. These quotes are provided by a panel of car insurance providers selected by SEPOA. The Panel may be able to provide quotations in circumstances where you have had a CCJ. Simply click the Get Quotes option below and fill in a quick form to get access to multiple quotes. Then all you have to do is pick the best one!
How to compare CCJ car insurance quotes at MultiQuoteTime.co.uk
Complete online questionnaire
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After entering your basic details, you can choose optional add-ons for extra coverage, such as protection for your no-claims bonus or coverage in case of an accident involving an uninsured motorist.
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