Car Insurance And Driving Convictions

If you have a driving conviction you are legally obliged to tell your insurer. They will take it into account when deciding what to charge you, and the chances are your car insurance premium will be considerably higher than if you did not have any convictions because you will be considered to be at higher risk of making a claim.

In the UK driving offences are punished with points on your licence, bans, fines and even prison sentences. When you get your licence it has no points, and offences that add points will affect your insurance premium.

Your age and the type of conviction will make a difference to the policy. Speeding convictions may add less to the cost of your insurance than a drink driving conviction for instance.

It is not only dangerous and illegal to drink and drive, but the repercussions can affect you for longer than any ban, and the cost of your higher insurance premiums may be more than any fines. Some insurance companies make the premiums so high that it effectively excludes all but the richest drivers with convictions.

The good news is that you only have to disclose information about your convictions for five years, after that time your insurance premiums will be lower again. However, do not be tempted to cover up a conviction within the five years because that would mean breaking the Rehabilitation of Offenders Act 1974.

Your insurance policy could be invalidated and you could be in trouble with the law if you fail to disclose your conviction. Otherwise, the insurance company may refuse to pay out for any claims until you pay them the extra you would have been charged if you had told them about your driving conviction.

There are companies who specialise in drivers with problem track records including driving convictions, so if you really need to be back on the road, shop around. It goes without saying that if you get another conviction, your insurance premiums will skyrocket and you may be turned down completely, so be on your best behaviour.

Don’t forget that driving without insurance is in itself an offence, and can get you a fine and points on your licence or even a ban. Do not let your insurance lapse, because if it parked on a public road, you can get into trouble for being uninsured even if you do not drive the car during the uninsured period.