CAR INSURANCE & CONVICTED DRIVERS
An explanation of how Motoring 'Previous Convictions' affect your Car Insurance premiums
If you mave been convicted of a motoring offence you may well be charged a higher premium. Currently if you have a minor endorsement such as an SP30 or three points on your licence this wil not normally affect your premiums, unless you are a new driver. This may well change in the future as some 'minor' offences such as speeding are seen as socially unacceptable and are due for reclassification which could soon carry six licence penalty points.
When you apply for car insurance you wil be asked a question along the lines of;
Previous convictions
Has the proposer or any other person who to his knowledge will drive been subject to a driving disqualification or been convicted of or received notice of any intended prosecution for any offence in connection with any motor vehicle?
If so, give dates and full particulars.
A record of convictions for motoring offences requires close investigation for the underwriting car insurance company. The DVLA have published a list of codes for driving offences and some insurers require the codes to be quoted. Some Car Insurers limit their enquiries regarding previous convictions to the preceding five years for the more common type of offence such as speeding or up to ten years for the more serious offences, such as driving with drugs or a degree of alcohol in the blood in excess of the maximum permitted level. All convictions are covered by the limitations and 'spent' periods as originally defined in the Rehabilitation and Offenders Act 1974.
If you have previous convictions or have had car insurance refused on previous occassions due convictions. we can help get you covered!
We are able to find you cover for Convicted Drivers!
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