When you have a driving conviction, there are many insurers that will not insure you for general car insurance. Even with only minor convictions, some insurers may still refuse to insure you. This is because statistically you are seen as a higher risk of being involved in an accident. When this happens, one option open to you is convicted driver insurance. This insurance is designed for people with convictions and the risks that are involved in insuring them.
As a result of being a higher risk driver, the insurance cover for convicted drivers is also more expensive than general car insurance. This is a result of the fact that statistically convicted drivers make more claims on their insurance.
It is important when seeking out convicted driver insurance that you tell the truth about all of your convictions. If you are found to be withholding information, your insurance will be void. Once this happens, it makes it a lot harder to get covered in the future, as you are seen as an even higher risk.
3 top tips on how to keep the cost of Convicted Driver Insurance low
There are a few things convicted drivers can do to keep the cost of their insurance down. Although sometimes a little inconvenient, these are good tips if you’re trying to reduce your premiums.
- Keep your mileage low
- Leave your vehicle in a safe place, such as on a drive or in a garage
- Raising your amount of excess
Although some of these ideas may limit your driving, such as low millage, they do make you less of a risk to the insurers. As a result you will see the cost of your insurance decrease.
What Axios Insurance & Reinsurance Solutions DMCC Offer
Here at Axios Insurance & Reinsurance Solutions DMCC, we have years of experience providing drivers who have convictions with insurance. We work with a whole host of underwriters meaning we can search the market to help match insurance to your individual needs. However big or small your conviction we will help to provide you with sufficient cover.
Visit the convicted driver page on our website, and you can also view the list of the convictions we cover here. These include accident offences, careless driving, insurance and license offences and speeding offences, as well as much more.
If you are still unsure about what you need and one of our team will be happy to help you.