The Insurance Myths Convicted Drivers Need to Stop Believing
If you’ve been convicted of a driving offence, getting back on the road can feel daunting, particularly when it comes to securing car insurance. Unfortunately, many convicted drivers are misled by persistent myths that can make the process even more stressful than it needs to be. Understanding the truth behind these misconceptions is crucial for finding the right coverage and securing a fair deal.
Here are some of the most common insurance myths convicted drivers need to stop believing:
Myth 1: “No insurer will cover me.”
Perhaps the most damaging myth is the belief that convicted drivers are uninsurable. While it’s true that some mainstream insurers may decline cover or charge higher premiums, there are plenty of providers who specialise in convicted driver insurance. These brokers understand the unique challenges faced by those with motoring convictions and offer tailored policies to suit their needs.
Specialist brokers such as Riviera Insurance provide dedicated services to help convicted drivers find competitive quotes without the hassle.
Myth 2: “My conviction will affect my insurance forever.”
Most driving convictions have a finite impact on your insurance premiums. For example, points for speeding (SP30) or driving without insurance (IN10) will typically remain on your licence for four years, although insurers typically ask about convictions from the past five years. As time passes and your driving record improves, you’ll likely see your premiums decrease—provided you drive responsibly and remain claim-free.
It’s also worth noting that not all convictions carry the same weight. A drink driving offence (DR10) will have more serious consequences than a minor speeding violation. Insurers assess risk based on the nature and recency of the conviction.
Myth 3: “I should hide my conviction to get a cheaper quote.”
Never be tempted to omit or falsify your conviction details when applying for insurance. Doing so could invalidate your policy, leaving you uninsured and liable in the event of an accident. It’s also a form of insurance fraud, which could result in further penalties or even prosecution.
Honesty is always the best policy. By being upfront, you can avoid serious legal consequences and ensure your cover is valid.
Myth 4: “My insurance will always be sky-high.”
While your premiums may be higher immediately after a conviction, there are ways to reduce your costs. Consider the following:
- Shop around – Don’t settle for the first quote you receive. Use comparison tools and specialist brokers.
- Increase your excess – Voluntarily opting for a higher excess can lower your premium.
- Improve your vehicle’s security – Installing an approved alarm or tracker can make you a lower risk.
- Take a rehabilitation course – Some courses, particularly for drink driving offences, can result in reduced premiums.
Myth 5: “I can’t get comprehensive cover.”
Some convicted drivers wrongly assume they are only eligible for third-party policies. In reality, comprehensive cover is available and may not always be significantly more expensive. In some cases, it may even be cheaper, as it suggests a more responsible attitude towards protecting your vehicle.
Final Thoughts
Having a driving conviction doesn’t mean you’re doomed to a lifetime of unmanageable insurance costs. By disregarding the myths and seeking out the right support, you can find suitable, affordable coverage and take the first step toward rebuilding your driving record.
