How can a motoring conviction affect your insurance?

How can a motoring conviction affect your insurance?

Posted on September 15, 2017 by

Car keys and drivers licence lying on table

 

If you have received a motoring conviction which led to your licence being revoked, or a driving ban, you are likely to be missing the freedom and convenience that many drivers take for granted. You may also be worried about the effect your conviction will have on your insurance once you are eligible to get back on the road. Read on to find out how a motoring conviction may affect your insurance…

Types of Convictions

There are many types of motoring conviction, ranging from careless and dangerous driving to driving without insurance and drink driving. The penalties of being convicted of an offence vary greatly and you may be faced with anything from a relatively minor penalty such as having 3 points added to your licence, to a driving ban and/or criminal sentence.

The Consequences on Insurance

Insurance premiums are calculated based on risk, as a convicted driver you will be considered a greater risk so your premium is likely to increase. Factors affecting this calculation include the type of conviction received, the type of vehicle you drive and your age.

Do You Need to Tell Your Insurer About Your Conviction?

Yes, under the Consumer Insurance (Disclosure and Representations) Act 2012 you are required to disclose any motoring convictions to your insurer by law. If you don’t, your insurance may be invalid and you could face further convictions.

If you receive a motoring conviction but not a driving ban, you are required to disclose your convictions to your current insurer (which may require you to pay an additional premium), plus any new insurers, for the next 5 years.

Where to find car insurance

Finding insurance once you have a motoring conviction may be difficult and, depending on your conviction type, your premium is likely to rise considerably. Shop around to find a policy that best suits you.

Lifesure provides comprehensive car insurance for drivers with the following convictions:

  • IN10 – Using a vehicle uninsured against third party risks
  • DR10 – Driving or attempting to drive with alcohol level above limit
  • DR20 – Driving or attempting to drive while unfit through drink
  • DR30 – Driving or attempting to drive then failing to supply a specimen for analysis
  • DR40 – In charge of a vehicle while alcohol level above the limit
  • DR50 – In charge of a vehicle while unfit through drink
  • DR60 – Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive
  • DR70 – Failing to provide specimen for breath test

If you have received any of the above convictions, call us on 01480 402460 and speak to a member of our specialist team, who will look to find the best value insurance policy for you.

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