Bear in mind that every insurance company works out the insurance premium for convicted drivers differently. However, the vast majority consider your age and the type of offence.
The consequences of a driving offence conviction will usually result in a fine or points on your licence. Serious car accident incidents in which you are at fault could even result in prison time.
But another consequence of being convicted for a driving offence is it can affect your car insurance.
The good news is, it is possible to get insurance after a driving conviction. The bad news is, it can be more challenging.
Applying for car insurance after a driving conviction
When you get car insurance, you will be asked whether you have any driving convictions. The reason insurers ask that is simple: drivers with motoring convictions are viewed as higher risk.
That means if you do have a driving conviction and the insurer accepts your application, your premium will be higher than for the typical motorist.
You are legally obliged to tell the insurance company about your conviction before you take out a new policy or renew your policy.
If you do not disclose the information, when it comes time to make a claim, the insurance company could refuse your claim because your insurance policy would be invalid.
Understanding SR22 insurance
You should always check what the rules are for getting insurance after a driving conviction for your own country, as rules and laws can vary from one country to another.
For instance, in the U.S., you need to get SR22 car insurance. You can learn more about this at CheapInsurance.com.
But in brief, SR22 insurance is required if you have committed a serious offence. It is a certificate of financial responsibility that acts as an insurance company’s guarantee to the state’s
Department of Motor Vehicles that the policyholder has obtained the legally required car insurance.
So, can you get car insurance if you have been convicted for a driving offence?
The short answer is yes: you can potentially get car insurance if you have been convicted for a driving offence.
However, in addition to having to pay a higher premium, it can be more challenging to find an insurer. But, there are a number of specialist providers who could offer you cheap sr 22 insurance.
As long as you spend time shopping around, you should be able to find an insurance company that will accept your application. By spending time comparing different insurers, you can also find the cheapest deal.
Bear in mind that every insurance company works out the insurance premium for convicted drivers differently. However, the vast majority consider your age and the type of offence.
Your age
Young drivers are seen as high-risk by insurance companies, so their premiums are already high.
If you are young and you have a driving conviction, your premium is sure to be even higher because your insurer will regard you as even more high risk.
The type of offence
Regardless of the amount you paid in fines or the number of points you received on your driving licence as a result of your driving conviction, insurance companies will look at each offence differently.
That means some insurers could impose only a small increase to your premium for something like a speeding offence, whereas other offences could result in larger premium increases.
For instance, if you are caught using a mobile phone while driving, your premium can be higher than a speeding offence. An insurer could refuse to insure you at all.
Speeding may sound more dangerous, but the reason that a mobile phone offence results in a higher premium is you cannot use your phone accidentally, whereas accidental speeding can occur.
What to do if you cannot find cover
If you are having trouble finding an insurance company that will insure you, all is not lost. Search for charities and NGOs that can give you advice and help you to get your car insured.
