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Getting insurance at the right price despite convictions
Buying insurance for convicted drivers is not normally a great problem but you need to know where to look. There is no point in searching through a normal car insurance price comparison site because they all make certain assumptions when working out their premiums, and one, them, almost invariably, is that the applicant has had no driving offence convictions within, usually, the last five years or pending hearings. There are however a number of comparison companies which specialise in finding reasonable quotations for motorists with convictions.
Getting insurance at Any price
That is not to say that every motorist will receive an offer of cover, or that quotations will be at similar prices to those enjoyed by motorists who have, to be realistic, never been caught speeding or having the odd glass of wine over the limit. Some motorists have a record which is so bad that car insurers will not offer them a car insurance policy at any price, but even in these extreme cases all is not necessarily completely lost. A way of getting back into the driving seat which has worked for many thousands of previously disqualified drivers has been to ride a motorcycle for some time; after a period without accidents or further convictions insurers are more likely to take a less critical view of these applicants. A rather drastic measure? Well it usually works and many drivers feel it's better to be on two or three wheels than on foot or public transport, possibly for many years. Alternatively some insurers may offer policies to those with serious or repeated offences but only for much smaller cars; again this may be considered a reasonable and temporary compromise by many motorists.
Divulging information to the insurers
It is vital to avoid the temptation, when faced with these problems, of simply failing to let insurance companies know about these previous convictions. It is true to say that a lot of insurance companies will take the money for a policy, and only make their own checks later, or even after their clients have had an accident and put in a claim. Any undeclared offences that came to light would automatically invalidate the insurance cover and a refusal to pay out can follow, leaving the motorist in a very difficult situation indeed. It should be borne in mind that not only do insurance companies have access to public records but they also share information amongst themselves, and they know far more about us than most people realise. Penalties for driving without insurance are of course very heavy and can include imprisonment; the tools available to the police for catching uninsured drivers are now very efficient indeed and include computerised records of the insurance policies of every driver in the UK. So, to compare genuine quotations from specialist convicted driver insurers, and possibly save yourself a great deal of time and/or money, please click on this link now.
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