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Having car insurance ensures you are covered financially if the worst were to happen to your car. Such incidents could involve damage from an accident, theft, vandalisation and fire damage. Car insurance means you won't have to dig into your pocket to pay for potentially huge repair or replacement costs.
Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of coverage you must legally have is third-party car insurance. Third-party insurance covers the damage to another person's car, for example, in a collision accident, but provides limited cover for your vehicle.
Car insurance is either made up of an annual or monthly premium. Annual premiums are paid in a single lump sum when a policy is purchased; monthly premiums require a deposit and a monthly direct debit. Many factors come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums.
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Motor convictions have become quite common in recent years, yet many leading insurance providers often persecute convicted drivers. Most insurance companies do not support convicted drivers. Often insurers deny their applications or charging a high premium. However difficult, it is not impossible to find convicted driver insurance.
A conviction may be for many reasons, and not all of these should prevent you from driving again. Based on the reason for your conviction, your insurance premium will vary. For example, you might be convicted of drunk driving, drugs, rash driving and speeding.
Convictions can affect insurance rates for varying durations, typically from 4 to 11 years, depending on the severity of the offence.
Attending recognized rehabilitation courses might reduce premiums, depending on the insurer and the nature of the conviction.
Personal identification, driving license, details of the conviction, and current or previous insurance documents are typically required.
Premiums vary significantly; more serious offences like DUI typically result in higher premiums than lesser offences like minor speeding violations.
Some insurers might offer flexible payment plans or higher deductibles to lower monthly costs, but this varies widely.
For a comprehensive understanding of convicted driver car insurance, it’s crucial to consider the reasons for conviction and their impact on insurance rates, options for reducing premiums through rehabilitation courses, and how different insurers approach such policies. Using car insurance comparison tools can aid in finding more favourable options.
Finding affordable car insurance with driving convictions can seem challenging, but specialist providers offer tailored solutions for motorists looking to get back on the road. Through QZ’s comparison service, drivers can access multiple specialist insurers who understand that past convictions shouldn’t necessarily determine future premiums.
| Conviction Type | Premium Impact |
|---|---|
| SP30 | 20-30% increase |
| IN10 | 50-100% increase |
| DR10 | 80-150% increase |
| CU80 | 30-50% increase |
| TS10 | 15-25% increase |
Through QZ’s comparison service, drivers with convictions can access multiple specialist insurers offering tailored policies. The platform compares providers understanding rehabilitation periods and offering appropriate coverage levels. To begin comparing quotes, simply input vehicle and conviction details below to receive quotes from providers specialising in convicted driver insurance.
Please note: This Insurance comparison tool is provided for your use by SEOPA. Insuro.co.uk and novi. digital is not responsible for the contents of the comparison you receive.
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