The impact on your car insurance premium of having any type conviction can vary hugely from insurer to insurer. It all depends on how they view the risk and consequently, the increase in your car insurance premium. Car insurance companies generally give the lowest price car insurance to the least risky and having any type of conviction is seen as an increased risk. For some convictions, they may even refuse to insure you altogether!
By comparing quotes from insurers that specialise in drivers with convictions, you’ve got a much better chance of finding an affordable premium.
Common Driving Convictions
Whether it’s an SP30 (“Exceeding statutory speed limit on a public road”) or SP50 (“Exceeding speed limit on a motorway”), speeding is the most common driving offence on UK roads. In fact according to the RAC, more than 790,000 people were issued penalty notices for speeding in 2015.
A relatively minor offence is still likely to put three points on your driving licence and cost you a £100 fine. Even this can have an impact on your annual car insurance premium.
For more serious offences, you could receive 6 points, a fine of up to 150% of your weekly income and even a driving disqualification for up to 56 days. This would have a more significant impact on your car insurance costs.
A TT99 conviction is when you are disqualified from driving, usually for six months, for having received 12 or more penalty points in a three year period in what’s known as the “totting up” process.
The offence of using a mobile phone when you’re behind the wheel is a relatively new one, but it’s extremely dangerous and is being taken very seriously indeed. So much so that from the 1st March 2017, the fine for doing so was doubled to £200 and your licence will be endorsed with six penalty points.
Driving a vehicle on a public road without insurance or “using a vehicle uninsured against third party risks” can get you a £300 fine and six penalty points. Police also now have the powers to seize uninsured vehicles.
DR10 and DG10
Driving a vehicle whilst unfit through drink or drugs is a serious offence and you’re likely to get a significant fine and a lengthy driving ban.