Types of convictions that will need a Convicted Driver Insurance Cover
A conviction is something received on your licence after breaking a driving law that has been put in place for everybody’s safety. These convictions can carry penalties such as fines, points on your licence or, in the worst-case scenario, you could receive a driving ban or have to serve jail time.
If you find yourself with a driving conviction you may be worried about what happens to your insurance now. This is a normal worry since it is commonly known that some driving convictions can increase your insurance premiums by a substantial amount. This is because a diving conviction can be an indication of what kind of driver you are, or were previously. Insurance companies often do not want to take the risks with certain convictions and so might not provide a quote at all. If you do have a driving conviction on your licence, this has to be declared to insurers for 5 years.
Fear not though! Not all insurance companies shy away from driving convictions, and some even specialise in providing drivers with convictions, with the best insurance they can get!
Types of driving convictions
There are a multitude of driving convictions, each with its own conviction code. Here are some of the more commonly occurring convictions:
If you happen to be caught driving without valid insurance on your vehicle and get caught by police, you could receive a fixed penalty fine of up to £300 by the officer who stopped you, and 6 penalty points. If this case then proceeds to court, you could potentially receive a disqualification from driving or an unlimited fine. Alongside this, if you’re convicted, you will receive an IN10 Conviction that will remain on your licence for 4 years – this is a conviction that must be disclosed to insurance companies for a year longer than some of the other convictions.
A TT99 conviction is given to a person who has reached their points capacity on their licence. This is what is known as ‘totting up’ points – where the total number of penalty points on their licence reached 12 or more within 3 years. The offence can be followed up with a driving disqualification. When gaining their driving privileges back, anyone with a TT99 still has to declare their convictions for 5 years after the incident occurred.
Unlike driving under the influence, a CD10 conviction is if the offender has been driving recklessly, without care or attention. This offence earns the driver between 3 and 9 points on their licence, depending on the severity of the incident, and these points will last for four years. This endorsement on your licence shows potential insurers that you are an increased risk on their policy due to past behaviour.
Receiving a DR10 means that you have made the decision to drive while above the legal alcohol limit. This conviction can earn the offender between 3 and 11 points on their licence, and this conviction will stay on your licence for 11 years. Not unlike the CD10, this is proof to an insurer that you have been an unreliable driver who is more prone to taking risks on their policies.
With a seemingly increasing drug culture, this is reflected in the number of DG10 convictions. This offence encompasses all kinds of drugs; illegal, legal and even prescription drugs. If your drug levels are found to be above the legal limit, you are convicted with a DG10 offence, where you will then receive between 3 and 11 points on your licence, and the conviction will also remain on your licence for 4 years.
Convicted Driver Insurance Can Get a Cheaper Price
Having a conviction on your licence does not mean it’s impossible to get a reasonable insurance quote. Difficult? Yes. Impossible? No! Certain Insurance brokers specialise in providing convicted drivers with a cheaper insurance policy, they’ll even specify the convictions that’ll be covered. If you’re ever unsure on how to approach an insurance policy due to your convictions, there are many sources with Convicted Driver Insurance Tips on the dos and don’ts of applying for insurance with a conviction.
There are several ways to further reduce the cost of your premium, such as increasing your Excess, which is the amount of money you would have to pay towards a claim, should you ever need to make one. If your conviction happens to involve the misuse of alcohol or drugs while driving, then you may have been offered an opportunity to complete a rehabilitation course. Upon completion of this course, you may be eligible for an additional discount off your premium. Other things such as the choice of vehicle and the number of miles you declare can have an impact on the cost of your policy.
While you may be offered a cheaper insurance policy, it can also be impacted by the severity of your conviction. This is up to the discretion of each individual insurance broker, the underwriters, and their own policies.