You are legally obliged to be honest with your insurance company about any driving convictions. Your driving history will be taken into account when your premium is calculated, and it is likely that you will have to pay quite a bit more if you have been convicted within the last five years because you will be thought of as being at higher risk of claiming or of causing an accident.
Driving offences in the UK are punished by putting points on your licence, fines, driving bans and even custodial sentences. When you first get your licence it is clean, meaning it has no points. Any offences that add points will affect your insurance premium. Minor traffic offences like parking fines don?t usually lead to points and won?t affect your premium.
The type of conviction and your overall personal profile, particularly your age, will make a difference to the price of the policy. For example, a drink driving conviction will add more to the cost of your policy than a speeding offence.
It is not only dangerous and illegal to break the driving law, but if you are caught the repercussions can affect you for longer than any ban, and increase in your car insurance price may cost you more than any fine. Some insurance premiums become so expensive that most people with convictions are effectively prevented from getting insurance, and some companies will refuse you altogether.
The good news is that you only have to disclose information about your convictions for five years, so after that time your insurance premiums should come down again. Do not be tempted to hide a conviction within the five years though, because that would mean breaking the Rehabilitation of Offenders Act 1974.
Your insurance policy could be invalidated and you could be in trouble with the law if you fail to disclose your conviction. Otherwise, the insurance company may refuse to pay out for any claims until you pay them the extra you would have been charged if you had told them about your driving conviction.
There are companies who specialise in drivers with problem track records including driving convictions, so if you really need to be back on the road, shop around. It goes without saying that if you get another conviction, your insurance premiums will skyrocket and you may be turned down completely, so be on your best behaviour.
Don?t forget that driving without insurance is in itself an offence, and can get you a fine and points on your licence or even a ban. Do not let your insurance lapse, because if it parked on a public road, you can get into trouble for being uninsured even if you do not drive the car during the uninsured period.
About the Author
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Source: http://www.usacarmart.com/2012/08/Car-Insurance-And-Driving-Convictions/
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