Convicted Driver Insurance – The Basics

Having a conviction for a driving offence can be a serious obstacle when it comes to getting car insurance. Convicted driver insurance can help those with a driving conviction find the cover they need. It's important to understand the basics of convicted driver insurance, such as what it is, who it's for and how it works, before deciding if it's the right option for you.

What is Convicted Driver Insurance?

Convicted driver insurance is a type of car insurance designed for people with a driving conviction. It can provide cover to drivers who have been disqualified from driving, have points on their licence, or have been convicted of a motoring offence. It is generally more expensive than standard car insurance, as insurers may view convicted drivers as higher risk.

Who is Convicted Driver Insurance For?

Convicted driver insurance is designed for people with a driving conviction who need to insure a vehicle. It is designed for those who may struggle to get cover from traditional insurers. It is not just for those who have been convicted, as it can also be used by people who have previously been disqualified from driving or have points on their licence.

How Does Convicted Driver Insurance Work?

Convicted driver insurance works in a similar way to standard car insurance. In most cases, the insurer will need to know about the driver's conviction before providing cover. Depending on the conviction, the insurer may require additional information, such as the length of the ban or the number of points on the licence. The insurer may also need to know the details of the offence and the date of conviction.

What Does Convicted Driver Insurance Cover?

Convicted driver insurance typically covers the same things as standard car insurance, such as third party cover, fire and theft cover, and fully comprehensive cover. However, it may not cover all of the extras that standard car insurance does, such as breakdown cover or legal expenses cover. It is important to check the policy details carefully to make sure it meets your specific needs.

How Can I Find the Best Convicted Driver Insurance?

Finding the best convicted driver insurance can be a challenge, as there are a number of insurers offering the cover. It is important to shop around and compare different policies to make sure you get the best deal. It is also important to read any small print carefully and make sure you understand the terms and conditions of the policy before taking it out.