Please find below a sample blog post written for an insurance broker website:-
If you have a criminal conviction, whether driving related or not, you may find it difficult to get car insurance at reasonable rates, particularly if you have been previously banned from driving. The reason insurers have a problem with criminally convicted drivers is that they are statistically more likely to be involved in accidents and to make claims, even if the criminal conviction was not driving related, therefore are considered high-risk. However, there are specialist insurers who can help, companies that specialise in providing car insurance for convicted drivers, but obviously, premiums will be more expensive to cover the higher risk.
Note that even if you are finding it difficult to get insurance cover, no matter how high the prices you are quoted, car insurance is compulsory. It is illegal to drive without insurance cover and in addition your car must be insured at all times due to the Continuous Insurance Enforcement rules which took effect in June 2001, unless you have completed a SORN (Statutory Off Road Notification).
When getting car insurance quotes, you need to be upfront about any convictions you have had if they are unspent. Failure to reveal criminal convictions when applying for car insurance cover could invalidate your policy, which means that any claims are likely to be refused. Criminal convictions become spent after a certain time period which depends on your sentence. For example, criminal convictions for which you were given a fine or community service, are spent after five years so you no longer have to declare the conviction to insurers after this period. For prison sentences of six months or less the period is seven years, sentences between six months and two and a half years are not spent for 10 years, but prison sentences of two and a half years and over are never spent so always have to be disclosed to insurance companies.
If you have a criminal conviction and you are having trouble finding an insurer who will accept you, the National Association of Reformed Offenders can provide a list of insurance brokers who specialise in convicted driver insurance cover.
Driving related convictions such as dangerous driving, persistent speeding or drink-driving are even more troublesome for many insurance companies. Any driving offence which resulted in a driving ban, even after the ban is lifted, means that many car insurance companies will not offer insurance cover at any price. Once again you may have to deal with specialist insurers and pay a significant premium to find cover.
Specialist insurance brokers and comparison services can usually offer quotes for most conviction codes including DR10, SP30, TT99 and LC10. Companies such as Adrian Flux, GSI Insurance, GSI Insurance Services, Quotesearcher Convicted Driver Insurance, Quotezone, 5 Star Insurance Services, Entire Cover, Think Insurance and Well Dunn Insurance Revolution Services. Each of these specialists will offer car insurance quotes for convicted drivers.
Once you have managed to find car insurance cover, you will discover that the premiums can be eye watering! But there are various ways drivers can help to keep the cost of convicted driver insurance down. A simple way is to increase your excess, the portion of the insurance claim which you need to pay yourself before claiming. But you need to be realistic with this tactic, if you make the excess amount so high that you wouldn’t be able to pay it in the event of a claim, then this really defeats the point of having motor insurance in the first place! other methods of reducing the insurance costs include driving less to lower annual mileage and making your vehicle as secure as possible by keep it in a garage overnight if possible and fitting an approved alarm and immobiliser system.
But the best option for convicted drivers to reduce insurance costs has to be telematics or “black box” car insurance. This means having a black box recording device installed in the vehicle which monitors driving behaviours to provide a premium based on the policyholders actual driving rather than simple statistics.