Obtaining car insurance after being caught and punished for a driving offence can seem like a daunting task, especially as some insurance companies refuse to insure convicted drivers. If you have recently been convicted of a driving offence, here is a summary of the potential outcomes:
Motoring Offences & The Police
The police have the right to arrest you at any time, providing they have “reasonable grounds” to suspect you have committed a crime, whether motoring related or not. Whether they think you’re driving dangerously, suspect you’ve been drinking or they see you on your mobile phone whilst behind the wheel, they are able to make an arrest at anytime and anywhere, including your workplace, home or in the street. Should you be unfortunate enough to be arrested, then they must a.) Inform you that you are being arrested after first having identified themselves; b.) Tell you the crime that they think you may have committed; and c.) Explain to you why they need to arrest you and that you are not free to go.
If you are at risk of being disqualified from driving for either a driving offence or because you have accumulated 12 or more points within a 3 year period, then you will receive a summons through the post to inform you of the court dates. If the court then decides to disqualify you from driving, they will decide the length of ban dependent on the seriousness of the offence. As an example, for drivers with 12 penalty points on their licence, a.) If they are received within a 3 year period you could get a 6 month ban; b.) If you then get a 2nd disqualification within 3 years, you could get a 12 month ban; c.) If you get a 3rd disqualification within 3 years, you could get a 2 year ban. If the disqualification is for less than 56 days, you will be asked to produce the paper part of your driving licence which will be stamped. If the ban is for more than 56 days, you will need to apply for a new licence and may be asked to re-take your test once you are no longer disqualified.
Should you be caught exceeding the speed limit then the minimum fine at the present time is £60 and 3 penalty points on your licence. If during a 3 year period you clock up 12 points or more on your licence, then you could be disqualified from driving and lose your licence. It is the law that the registered owner of the vehicle must be sent a notice of the possible prosecution, within 14 days of the alleged speeding offence. If you are within the first 2 years of passing your driving test and you incur 6 or more penalty points, you will have your licence taken off you.
Drink & Drug Driving
If you are found guilty of drinking and driving or taking drugs and driving, you could be fined, banned from driving and even imprisoned. If you are in charge of a vehicle whilst under the influence of alcohol or drugs, you may get a possible disqualification, 3 months in prison or up to a £2,500 fine. Driving or attempting to drive whilst over the legal limit could get you a 6 month prison sentence, banned from driving for at least 1 year and up to a £5,000 fine.
Finding Insurance After a Conviction
Many of the UK’s drivers have been convicted of a driving offence at some time or another, varying from a minor indiscretion to a full disqualification. From an insurance perspective, having a driving conviction alters the way insurers look at you and the risk you pose is considered greater. This will likely mean that your insurance premium will increase. In many cases, particularly where some of the more serious driving offences are concerned like drink driving or dangerous driving, you may find that many insurance companies actually refuse to offer you cover, making it more difficult to find insurance.
Use A Specialist Broker
Finding insurance that can offer cover after an offence can be a time consuming and difficult job, so the best thing to do is speak to a specialist broker that deals with convicted drivers every day of the week. Specialist brokers will have relationships with the Insurers that are best placed to provide you with insurance after your conviction. They will also understand the various quirks and details of driving convictions, and be used to dealing with drivers with convictions every day. To speak to an expert adviser and find convicted driver car insurance call Think Insurance today.