Here are some typical premium increases following convictions - we can help make sure yours aren't among them!
Traffic convictions can range from the merely annoying, right up to career-changing serious. Most of us have fallen foul of minor traffic rules one time or another, but what if these all come in quick succession? Totting-up is a real problem for many people whose jobs rely on staying mobile. Unfortunately, insurers offten take a dim view and the double whammy of points and premiums is enough to make even the most resilient drown their sorrows!
So what type of traffic convictions can we help with?
We can help to insure people with previous convictions relating to:
• Drink driving
• Drug driving
• Driving without insurance
• Driving without due care
• Totting up bans
Convicted drivers are considered a higher risk for insurers. But we don’t believe that means you should pay over the odds. Got Points can help you to take the hassle out of it and make the whole thing a lot less complicated.
Why is insurance more expensive for convicted drivers?
Statistically, convicted drivers are more likely to be involved in accidents and therefore to make insurance claims. So they’re regarded by the industry as a higher risk to insure. That’s why premiums are often higher for convicted driver insurance and it’s why some won’t insure convicted drivers at all.
Got Points on the other hand, specialise in policies for people who might otherwise find it difficult to get insurance and we’ve massive experience in helping convicted drivers with competitively priced insurance policies.
Do I have to declare all convictions when looking for insurance?
It’s important that you tell us about all unspent convictions when applying for insurance. Inaccurate information could invalidate any policy.
As a guide, convictions resulting in a fine or community service are deemed 'spent' after five years. Convictions resulting in a prison sentence of up to 6 months are deemed spent after 7 years. Convictions resulting in a sentence of between 6 months and 2 ½ years are spent after 10 years. If you have a conviction that resulted in a sentence of more than 2 ½ years, that conviction is never spent and will therefore always have to be declared when seeking insurance quotes.
If you’re not sure whether or not your convictions are considered spent, we recommend seeking professional advice.