Van Insurance For Convicted Drivers

Compare Van Insurance For Convicted Drivers With The UK Market

Van Insurance For Convicted Drivers

The following are some examples of offences that will dramatically increase the cost of van insurance quotes for convicted drivers:

• Cases of dangerous or reckless driving
• Drink or drug related driving offences
• Speeding offences
• Running a red light

A poor claims history will usually always mean much greater insurance premiums for drivers, convicted drivers can expect to pay even more for their van insurance. Although convicted drivers will have little choice but to pay these extra fees, there are several insurance firms that may offer relatively competitive rates in the right circumstances.

In order to avoid these dramatic increases, it is strongly recommended that drivers use caution at all times on the road to minimise the risk of a conviction. In many instances, abiding by road traffic laws will go a long way in minimising the cost of van insurance.

It is an unfortunate fact that every year many drivers throughout the UK are convicted of driving related offences which can dramatically increase the cost of their van insurance. Although it is often considerably more expensive, there are several specialist companies that may offer van insurance for convicted drivers. Due to the high level of risk that insurers commonly associate with drivers who have been convicted of an offence, underwriters will pay special attention to the individual record of convicted drivers. It should be remembered that in especially serious circumstances, even specialist insurers may refuse to cover certain drivers with especially bad records.

Although low priced van insurance for convicted drivers can be tough to find, shopping around and comparing van insurance quotes may provide customers with a useful way of narrowing down the best offers. For more information on offers from different providers, please see our van insurance comparisons table.

Short Summary

• Understand the distinctions between spent and unspent convictions when seeking van insurance.
• Consider strategies such as increasing voluntary excess, improving vehicle security, and considering telematics or black box insurance to lower convicted driver van insurance premiums.
• Be aware of policy terms & conditions, reporting convictions during the policy term & work related use for an informed decision on van insurance cover.

Understanding Convicted Driver Van Insurance

Obtaining affordable van insurance as a convicted driver may seem like an uphill battle, but it’s not impossible.

Insurance providers typically view convicted drivers as high-risk, which often results in increased premiums and higher excesses.

However, by understanding the types of convictions and their impact on van insurance, you can better navigate this landscape and find the best policy for your needs.

When it comes to convictions, there’s a distinction between spent and unspent convictions.

Spent criminal convictions are no longer legally relevant, whereas unspent criminal convictions remain so, and this distinction has implications for van insurance.

Let’s delve deeper into the types of convictions and the difference between spent and unspent convictions.

Types of Convictions Affecting Van Insurance

While numerous driving convictions can impact your van insurance, some of the most common ones include:

• Speeding (associated with driving penalty code SP30)
• Drink-driving (associated with driving penalty code DG10)
• Operating a vehicle without insurance (associated with driving penalty code IN10)

Each of these convictions, considered a criminal offence, is associated with specific driving penalty codes.

It’s important to remember that not all driving convictions carry the same weight.

For instance, Fixed Penalty Notices (FPNs) are issued for minor offences like marginally exceeding the speed limit or using a mobile phone while driving, resulting in a fine and/or penalty points on your licence.

On the other hand, more severe offences like drink-driving can lead to hefty fines, licence points, driving bans, and even prison sentences.

Spent vs Unspent Convictions

Knowing the difference between spent and unspent convictions is crucial when obtaining van insurance. Here’s what you need to know:

• Spent convictions are no longer required to be disclosed to insurance providers.
• Unspent convictions must still be declared.
• The severity of the sentence imposed for the conviction determines whether it is spent or unspent.
• Convictions become spent after a specified amount of time under the Rehabilitation of Offenders Act 1974.
• Prison sentences of more than four years are never spent.

Failure to disclose unspent convictions when obtaining a van insurance quote can lead to further convictions or even policy termination.

To avoid these consequences, always be honest and transparent with your insurance provider about your driving record and any unspent convictions.

How to Obtain a Van Insurance Quote for Convicted Drivers

Now that you understand the impact of convictions on van insurance let’s discuss how to obtain an insurance quote as a convicted driver.

The first step is to find a specialist provider or broker who caters to convicted drivers.

These specialists can help you compare van insurance policies and offer tailored cover to better suit your needs.

Before requesting a quote, make sure you’re prepared to disclose any unspent convictions and provide details about the van you want to insure.

Transparency is key to obtaining the most accurate and affordable van insurance quote for convicted drivers.

Disclosure Requirements

As a convicted driver, it’s essential to be open and honest about your unspent convictions when obtaining a van insurance quote.

Not disclosing unspent convictions when asked by an insurance provider could result in further convictions or even policy cancellation.

To ensure you’re providing accurate information to your insurance provider, always double-check your driving record and declare all unspent convictions.

This transparency will not only help you avoid potential legal issues, but also enable your insurance provider to offer a policy that accurately reflects your risk as a convicted driver.

Specialist Providers and Brokers

As a convicted driver, you may find it challenging to secure affordable van insurance through traditional van insurance providers.

That’s where specialist providers and brokers come in! T

hese experts focus on convicted driver van insurance, offering tailored policies and competitive rates to cater to your unique needs, including cheap van insurance options.

Make sure to compare quotes from multiple specialist providers to find the best cover at the most competitive price.

You can use our comparison table at the top of this page to compare quotes across the market.

Strategies to Lower Your Convicted Driver Van Insurance Premiums

Securing affordable convicted driver van insurance may seem like a daunting task, but there are several strategies you can employ to lower your premiums.

Some of these tactics include increasing your voluntary excess, improving your vehicle’s security, and considering telematics or black box insurance.

Increase Voluntary Excess

One effective way to lower your convicted driver van insurance premiums is by increasing your voluntary excess.

Voluntary excess is the additional amount you agree to pay in the event of an insurance claim, on top of the compulsory excess.

By increasing your voluntary excess, you’re reducing the amount your insurer will need to pay out in the event of a claim, allowing them to offer lower premiums in return.

However, it’s important to strike a balance between a higher voluntary excess and affordability.

Choose an amount that you can comfortably afford to pay in the event of a claim, as setting your voluntary excess too high could lead to financial strain if you need to make a claim.

Improve Vehicle Security

Another strategy to lower your convicted driver van insurance premiums is to improve your vehicle’s security.

By installing security features like alarms, trackers, and immobilisers, you can reduce the risk of theft or damage to your van, allowing your insurer to offer lower premiums in return.

In addition to installing security devices, consider securing your van in a garage or well-lit area when not in use.

You can also inform your insurer that your van is empty, as this may result in reduced premiums due to the decreased risk of theft or damage.

Consider Telematics or Black Box Insurance

Telematics or black box insurance is another option for convicted drivers looking to lower their van insurance premiums.

This type of insurance involves installing a small device, known as a black box, in your vehicle.

The black box records various aspects of your driving habits, such as:

• speed
• acceleration
• braking
• cornering

This data is then used to evaluate your risk profile and determine your insurance premium.

This type of insurance is particularly beneficial for convicted drivers, as it allows you to actively show your commitment to becoming a safer driver and reducing your risk on the road.

Driving Courses for Convicted Drivers

In addition to implementing the strategies mentioned above, convicted drivers can also benefit from enrolling in driving courses.

These courses, such as speed awareness, drink-driving rehabilitation, and advanced van-driving courses, are designed to help you become a safer driver and reduce your risk on the road.

Speed Awareness Course

A speed awareness course is a re-education program designed to promote safe driving and reduce the risk to others.

The course covers topics such as speed limits and the risks of speeding.

Completion of a speed awareness course can help reduce insurance costs for convicted drivers, as it is evidence that the driver is taking steps to become a safer driver.

This proactive approach to becoming a safer driver can result in lower insurance premiums and more affordable van insurance for convicted drivers.

Drink-Driving Rehabilitation Course

Drink-driving rehabilitation courses are specifically designed to help convicted drivers learn how to drive safely and responsibly while avoiding the dangers of drink-driving.

These courses typically include lectures, videos, and other activities to educate drivers on the dangers of drink-driving and how to prevent it.

This can result in discounts on your insurance premiums, making van insurance more affordable for convicted drivers.

Advanced Van-Driving Course

Advanced van-driving courses are specialised training programs designed to enhance the skills and knowledge of van drivers.

These courses provide comprehensive instruction on various aspects of van driving, including:

• Defensive driving techniques
• Maneuvering
• Parking
• Fuel-saving strategies

   

This can be viewed as a mitigation factor by insurance providers, potentially resulting in lower premiums for convicted drivers.

Additional Factors to Consider for Convicted Driver Van Insurance

When obtaining convicted driver van insurance, it’s essential to consider factors such as policy terms and conditions, reporting convictions during the policy term, and work-related van use.

Understanding these factors and how they may affect your insurance cover can help you make an informed decision when selecting the best policy for your needs.

Let’s explore these factors in more detail and discuss their implications for convicted driver van insurance.

Policy Terms and Conditions

It’s crucial for convicted drivers to thoroughly review and understand the policy terms and conditions when obtaining van insurance.

These terms and conditions outline the type of cover available, the excess payable, and any limitations on the use of the van.

Reporting Convictions During the Policy Term

In the event of a conviction occurring during the policy term, it’s important to inform your insurance provider promptly.

Depending on the severity of the conviction, your insurance provider may adjust your premiums or even terminate your policy.

To avoid any potential consequences, always be transparent with your insurance provider about any convictions that occur during the policy term.

This will allow them to accurately assess your risk as a convicted driver and adjust your cover accordingly.

Work-Related Van Use

Finally, it’s important to consider whether your van will be used for work-related purposes when obtaining convicted driver van insurance.

If your van is used for business operations, such as transporting goods or personnel, your insurance cover may need to reflect this use.

Some insurance providers may be more inclined to provide cover to convicted drivers who use their vans for work-related purposes, as this is perceived as a lower risk.

However, the cost of the insurance may be higher than for non-work-related use.

Make sure to inform your insurance provider of any work-related van use to ensure you receive the appropriate cover for your needs.

Frequently Asked Questions

How long does tt99 stay on licence?

TT99 remains on a licence for 4 years from the date of conviction.

If 12 or more penalty points are accumulated within a 3 year period, the driver can be disqualified under the ‘totting-up’ system.

What is the effect of convictions on van insurance?

Having a conviction can significantly increase the cost of van insurance, with higher premiums and higher excesses being applied.

This can be a major financial burden for those who have been convicted of a crime, as they may not be able to afford the increased cost of insurance.

Fortunately, there are some good ones.

What is the difference between spent and unspent convictions?

Spent convictions are no longer legally relevant and do not have to be disclosed, whereas unspent convictions must be declared as they remain legally relevant.

Are there specialist providers and brokers for convicted driver van insurance?

Yes, there are specialist providers and brokers who offer tailored policies and competitive rates specifically for convicted driver van insurance.

What can I do to lower my convicted driver van insurance premiums?

To lower your convicted driver van insurance premiums, consider increasing your voluntary excess, improving vehicle security, and looking into telematics or black box insurance.

Increasing your voluntary excess can help to reduce your premiums, as you are taking on more of the risk yourself.

Vehicle security can also help to reduce premiums, as insurers are more likely to offer lower premiums for vehicles that are less likely to be insured.