If you have a conviction then it can affect your life in a number of ways. Not only are employment opportunities harder to come by but it can also make it difficult to get insurance.
If you rely on your vehicle for work, say for example if you have a van, then finding insurance at an affordable price is essential.
Below is a guide to getting van insurance when you have a conviction.
Do you need to declare your conviction?
After a certain amount of time, a lot of convictions become spent. This simply means that you’re no longer obligated to inform people of it. The amount of time that needs to pass before your conviction is spent will generally depend on how serious it was and what punishment you received.
If you’re not certain if your conviction is spent or not then click here to find out.
Where to get insurance for convicted drivers
If you have a conviction then it’s a good idea to get cover from a specialist provider, such as Convicted Insure.
Specialist providers have experience in providing people with convictions with cover and will take your unique circumstances into account when coming up with a price.
Ways you can save money
If you have a conviction you can expect to pay more for van insurance than someone who does not. This being the case you’ll want to take any steps you can to lower the cost of your cover. Below are some excellent ways to do this –
- Get quotes from many providers – There are many places where you can easily get van insurance quotes for convicted drivers and doing this is one of the best ways you can save money.
- Get a basic policy – Another way you can easily save money on your cover is to get a basic policy that doesn’t have a lot of extras. For example a third party only policy will cost considerably less than a comprehensive policy that has additional types of cover like breakdown assistance etc.
- Increase the excess – Excess is the amount you would have to pay if you made a claim on your policy. Increasing this is a way to reduce your monthly payments. This is a little risky though since you’d lose the benefit should you have to make a claim.
- Pay upfront – Paying for your policy upfront on an annual rather than monthly basis will enable you to make a good saving with most insurance providers.