The Cheapest Car Insurance For High Risk Drivers
The information in this article is for editorial purposes only and not intended as financial advice.
The information in this article is for editorial purposes only and not intended as financial advice.
Are you seeking cheap car insurance as a high-risk driver? This can be a tough task, but you’re not alone. Over 9,300 people visit our website each month for advice on the same issue.
This guide is here to help with clear information on:
- How to find the best, cheap car insurance as a high-risk driver.
- The impact of driving convictions on insurance costs.
- Understanding the need to tell insurers about your convictions.
- Ways to still get car insurance as a high-risk driver.
- Tips for lowering car insurance costs despite being high-risk.
It can be frustrating and worrying when driving convictions push your car insurance costs up. But there are ways to find affordable insurance. This guide is here to help you understand your options and choose the best one for you.
Let’s get started.
Can You Still Get Insurance for High-Risk Drivers?
Much depends on your actual circumstances here. Any unspent conviction will paint you as a high-risk driver in the eyes of insurance firms. But you might be a very low-risk driver, who happens to have got a minor conviction. And in this case, you would likely find that your usual insurance firm would be willing to continue insuring you, but at a somewhat increased price.
On the other end of the scale, you could be a young driver, who has only held a full licence for a short while, meaning you are already seen as a risk. Add a serious driving conviction on top of this, and you may find that only special, subprime insurers that take on high-risk drivers will be willing to insure you. And this will almost always cost more.
Are All Driving Convictions Equal?
Some driving offences are minor, and you will be sent a penalty charge notice to pay a fixed fine. Others are a little more serious and result in you being sent a fixed penalty notice, which may or may not result in a conviction. For example, you might be sent a fixed penalty notice if you are caught speeding.
And some driving offences follow the traditional prosecution and conviction process. But of course, some offences are more serious than others. For example, you could expect the cost of insurance with a drunk driving conviction, to be higher than insurance if you have a conviction such as parking in a hazardous place.
In short, the more serious the offence for which you are convicted, the greater impact you can expect it to have on the cost of vehicle insurance. However, there are also other factors in play, which are covered later in this post.
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Shopping Around Is Advisable
It will pay dividends to spend some time getting comparative quotes from different insurers so that you can find the lowest quote. For example, if you are looking for insurance as a convicted drunk driver, there will be some insurance firms more willing to accept you as a customer and to offer you competitive rates.
The same holds true whether you are having to deal with subprime insurers or not. Quotes can vary quite considerably across a range of insurers, so the more you contact for a quote the better.
Will points ruin my insurance?
| Points | Insurance increase |
|---|---|
| 3 Points | 5% |
| 6 Points | 25%+ |
| 10-12 Points | 80%+ |
The best way to find better deals is to use companies who specialise in insuring drivers with convictions and points.
To see if you can improve you insurance with a free quote, click the button below.
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Comparison Sites Are a Great Tool
One of the best ways to cut out some of the legwork in getting comparative vehicle insurance quotes is to use a comparison website. You provide the site with your driver details, including information about any unspent convictions. This information is then syndicated across a whole panel of insurers, and you will be given a list of quoted prices. You can then choose the cheapest offer that fits your needs.
Use common sense here though. Some comparison sites are legitimate and will be of great help. Others will try to guide to towards the insurance quote that gives them the best commissions. These kinds of sights are not regulated in any way. So go into this with your eyes open, and try several different sites.
Factors That Contribute to the Risk You Pose to Insurers
It isn’t just unspent convictions that can make you seem like a high-risk driver to insurers. Many other factors contribute to the overall risk evaluation. This would include things like your age, how long you have had a full licence, the insurance category of the vehicle you are trying to insure, and the level of coverage you are seeking.
Your own circumstances will be unique, based on these kinds of factors. In effect, risk is a scale from very low to very high, and your own situation that is not solely based on unspent convictions will place you somewhere on this scale. This, in turn, will directly impact how much you pay for your vehicle insurance.
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Steps You Can Take To Help Lower the Cost of Vehicle Insurance
Now you know how risk is calculated, we can start to look at a few tricks for lowering this risk. Below, are a list of things you can do that may help to reduce the cost of your insurance as a convicted driver.
- Swap to a vehicle in a lower insurance band.
- Park your vehicle in a garage at night instead of on a public road.
- Switch to a lesser type of coverage, such as third-party-only insurance.
- Let the insurer install a vehicle tracking device.
- Switch to using your vehicle for personal use only and not work as well.
