Convicted Driver Insurance
Information for those seeking insurnace for convicted drivers
Finding cheap convicted driver insurance has been made much easier with the abundance of quote comparison services that are being offered online nowadays, but for any UK driver that has motoring convictions on their licence, the same most definitely does not apply. Penalty points are guaranteed to make any mainstream car insurance company nervous; a sense of hesitation rapidly descending to outright refusal depending on the conviction code or circumstances surrounding the less than perfect state of the applicant's personal driving history.
A clean driving licence promises a wide choice of the cheapest car insurance quotes available both online or from high street brokers, but for those who have been proved guilty of anything from causing death by dangerous driving to speeding, the reality of finding any level of cover could be far from easy. Even those who have had to revoke their licence for medical reasons could have a tough job finding an insurer who will cover them for a reasonable price once their licence has been re-instated, so it isn't only the lawless who are penalised for having a flawed motoring career.
While those who have previously been banned for dangerous driving or drink or drug associated offences may be wasting their time seeking cover from any of the more common car insurance providers, there are a number of specialist companies in the UK that will consider anyone who has had convictions or a prohibitive medical condition. Their area of expertise will allow them to assess your situation and provide an insurance quote that may not be exactly cheap, but will be appropriate for your personal needs and circumstances.
Seeing beyond the conviction is what most specialist insurers endeavour to do, as most offenders will have learnt the hardest lesson of all from what may have been a one-off mistake. Reformed drivers will not automatically be deemed the hopeless risk they certainly would be by most mainstream car insurance companies, so asking a specialist provider for a quote is sure to prevent the futility and despair that repeated refusal will bring. All too often rejection forces many into the doomed spiral of driving without convicted driver insurance - a serious offence which is sure to flag you up as one of the worst possible risks once something happens to uncover an offence with potentially catastrophic implications for everyone involved.
Some young drivers habitually take to the roads uninsured, but it will only be a question of 'when' not 'if' they get caught and saddled with more serious problems than they could ever have anticipated. But for the majority of motorists that have been convicted and want to get back behind the wheel legally, it could take a little extra effort - and undoubtedly be more costly - but may somehow seem a better option to pay inflated premiums for a while rather than face a lifetime driving ban and a future marred by guilt and regret.