Why is it harder to find insurance with a conviction?

Insurance companies often view those with convictions, especially those in high-risk jobs, as more likely to make a claim. This isn't always fair, but it's the reality. Your job might already put you in a category that insurers consider high-risk, and a conviction adds another layer to their assessment. However, it's not all doom and gloom. Understanding how insurers think can help you present yourself in the best light.

What can you do to improve your chances?

• Be honest: Always be upfront about your conviction and occupation. Trying to hide details can backfire massively.
• Shop around: Not all insurers will view your situation the same way. Look for companies that specialise in insurance for those with convictions.
• Consider a broker: Insurance brokers can be lifesavers. They have the know-how to find companies willing to take on what they consider 'higher-risk' clients.
• Improve your driving: Taking an advanced driving course can not only make you a safer driver but also show insurers you're committed to being responsible on the road.

How can you find the right insurer?

Finding an insurer that understands your situation involves a bit of detective work. Start with specialist providers. These firms have experience with clients in high-risk occupations or with convictions, and they often provide more sympathetic terms. Utilising comparison sites can also offer a broad view of the market, but remember, not all insurers appear on these platforms.

What should you consider when choosing a policy?

Choosing the right policy isn't just about the price. Here are some things to think about:

• Excess: A higher excess might lower your premiums, but make sure it's an amount you can afford if you need to make a claim.
• Restrictions: Check for any restrictions that could affect you, like mileage limits or requirements for additional security measures on your vehicle.
• Customer service: Look at reviews to gauge the insurer's customer service. Good support can make a world of difference if you need to claim.

Are there ways to lower your premiums?

Yes, there are several strategies you can employ to help reduce your premiums:

• Secure your vehicle: Adding security features like an alarm or immobiliser can make your car less of a risk in the eyes of insurers.
• Increase your voluntary excess: Agreeing to pay more towards any claim can lower your premium, but ensure it's an amount you're comfortable with.
• Limit your mileage: Lower annual mileage can reduce your risk profile, leading to cheaper insurance.
• Park securely: Parking your vehicle in a garage or get location overnight can also help reduce premiums.

Finding the right car insurance post-conviction, especially within high-risk professions, is about knowing where to look and how to present your case. It's not always straightforward, but with a bit of persistence and the right approach, getting adequate cover at a reasonable rate is achievable.

Remember, each step you take towards proving you're a responsible driver helps in rebuilding trust with insurers. And, in time, your conviction will have less of an impact on your insurance options.

It's tough, no doubt. But it's not insurmountable. Keep pushing, and don't let your past dictate your future. And when you're ready to take the next step, click the quote button for convicted driver vehicle insurance quotes.