If you’ve received a driving conviction, you may find it challenging to secure affordable car insurance. Many mainstream insurers hesitate to provide coverage for drivers with convictions, but there are options available through specialist insurers like Insurance Revolution. We specialise in helping drivers with a range of convictions, including drink driving, drug driving, and other motoring offenses, find tailored insurance policies.
What is Convicted Driver Insurance?
Convicted driver insurance is specifically designed for drivers who have faced driving-related convictions, such as driving under the influence, drug driving, or dangerous driving. Mainstream insurers often see drivers with convictions as high-risk and may either refuse coverage or offer prohibitively high premiums. Specialist insurers, however, understand the unique needs of convicted drivers and can offer fair policies that suit your requirements.
Car Insurance for Drink Drivers
One of the most common challenges for convicted drivers is securing car insurance for drink drivers. A drink driving conviction can significantly increase your insurance premiums, as insurers perceive this as a high-risk offense. However, with a specialist insurer, you can find a fair policy that helps you get back on the road without being unfairly penalised.
Factors That Influence Drink Drivers’ Insurance Costs
The cost of drink driver insurance depends on various factors, such as:
- The severity of the conviction (e.g., blood alcohol content at the time of the offense).
- Your age and driving history.
- The type of vehicle you drive.
- The level of cover you choose (e.g., third-party or comprehensive).
While drink driver insurance will likely be more expensive than standard car insurance, specialist insurers aim to provide fair rates without taking advantage of your situation.
Other Consequences of Driving Convictions
A driving conviction can have a lasting impact beyond your car insurance premiums. For example:
- Fines and Legal Penalties: Convictions such as drink or drug driving often come with significant fines, license suspensions, or even imprisonment.
- Employment Difficulties: Some employers may view a driving conviction as a red flag, particularly if driving is part of your job.
- Increased Financial Burden: Higher insurance premiums combined with fines can strain your finances.
It’s essential to focus on rebuilding your driving record and finding insurance that supports your recovery and responsible behaviour on the road.
How to Get Affordable Convicted Car Insurance
If you’re struggling to find affordable car insurance with convictions, follow these tips:
- Use a Specialist Insurer: Work with providers experienced in convicted driver insurance, such as Insurance Revolution.
- Shop Around: Compare quotes from different insurers to find the best policy.
- Consider Telematics Insurance: Some insurers offer telematics policies that track your driving behaviour and reward safe driving with lower premiums.
- Be Honest: Always disclose your convictions accurately to avoid invalidating your policy.
Why Choose Insurance Revolution?
Insurance Revolution is a trusted specialist in providing car insurance for drivers with convictions. Whether you need drink driver insurance, drug driving insurance, or convicted car insurance for other offenses, we can help you find a policy that suits your needs at a fair price.
Final Thoughts on Convicted Driver Insurance
While a driving conviction can make it harder to find insurance, specialist providers like Insurance Revolution are here to help. By working with experienced insurers, you can secure a policy that fits your situation, ensuring you’re back on the road legally and responsibly. For more information, visit our website or contact our team today.