Convicted Driver Insurance in Northern Ireland SP30, IN10 and A CU80
If you have one the above codes on your driving licence you will pay more for your insurance, how much more depends on the code. The SP30 which is a simple speeding conviction tends to be the less serious of an array of driver conviction codes. If you are found using a mobile phone whilst driving and convicted you will received code A CU80 on your licence. This shows clearly irresponsibility and when you go to get insurance this will be reflected in any quotes that you may receive Moving up the scale being convicted of driving without insurance will result with an IN10 code, again attracted higher premiums than someone with a clean driving licence.
DR10, DD30 and TT99 will have significant impact on your Insurance Costs
It is standard practice for an insurance company to ask about any convictions over the previous 4 years with each offence adding to the final quote. Whilst SP30 driving over legal speed limit is most likely to have negligible impact others will result in increases that will make you think the broker added extra digits by mistake.
TT99 Will result in quotes that will make you regret being a "totter"
This a more serious offence and if you happen to have this code which comes with its own description as a "totter" your quotes will reflect how serious the insurance industry takes drivers that have accumulated 12 or more points in a period of 3 years on their drivers licence.
What is CODE DR10?
This code is for anyone charged with drink driving and over the legal limit and will attract a massive increase to costs of standard auto insurance in Northern Ireland and the UK.
Getting Multiple Quotes for Convicted Driver Insurance enables you to compare the costs of annual insurance premiums
Car insurance NI compares helps you compare the cost convicted driver insurance. How does it work? Simply select the NI quick quote option and you will redirected to CompareNi.com to complete your insurance quote , to save time make sure you have all required details easily accessible. Receiving multi quotes will then enable you to compare and contrast the policies provided and you may arrive at one that best suits with your current insurance requirements.
Type of Convicted Driver Cover Available
The options are the same the base cover being third party only which is the legal minimum required to drive legally. This is followed by third part plus fire and theft protection with comprehensive being the top tier and includes additional over for damage to your own vehicle and associated costs.
Possible Ways to Reduce the Costs of Convicted Driver Insurance in Northern Ireland
Providing overnight secure parking should reduce your insurance policy costs. Underwriters normally discount if you can provide secure overnight parking and add additional industry approved security items such as GPS tracking devices and immobilisers .
Car insurance quotes are skyrocketing these days. It gets even more difficult if you have been involved in a criminal offence in the past. It can get quite costly and challenging for you to get a car insurance policy if you have a criminal conviction against you. Even if the conviction is not related to your driving skills, you will still find lots of problems to get a car insurance policy. Insurance companies will see you as a highly risky driver and therefore, you will be charged exorbitant sums of the premium for your policy. Keep the following points in mind when you want reasonable rates on your convicted driver car insurance policy. While we cannot assure you of great discounts or attractive quotes, we can still assure you these points will get you a better rate than what was quoted by the service provider, initially.
Be honest about any convictions
Car insurance is compulsory as it helps you stay protected in the event of unfortunate accidents. Yes, when you are criminally convicted in the past, you will not have it easy when you apply for a car insurance policy. However, this shouldn’t stop you from declaring your convictions. Check with your service provider regarding the terms of your convictions, under what circumstances they need to be declared, when is it alright not to declare them and the intensity of your offence.
For example, if you have been jailed for more than 2.5 years previously for any crime in the past (even though not related to driving), you should declare the same to your service provider every time you apply or renew your policy. If you conceal this fact and if your service provider finds this about you while doing background checks during the policy processing formalities, the consequences can be very severe
Follow steps to reduce your premiums
A convicted person is more likely to get involved in accidents than somebody who is clean. Hence, insurance premiums for convicts are quite huge. If you want to get better rates on your premiums, you first need to pay the more voluntary excess (also known as deductibles) than the mandatory limit to your service provider. At the time of settling claims, the service provider deducts the excess that you pay the total claims to reimburse you the remaining amount. So, taking ownership of a higher deductible amount qualifies you for better premium rates than before.
Installing black boxes, telematics devices, safety & tracking devices and other technologically sophisticated devices like automatic brakes, accident detection systems, etc. make your vehicle quite safe and less-risky. Therefore, when you apply for a convicted driver car insurance policy, your service provider will provide you with a reasonable deal on the premium quotes after thoroughly investigating the condition of your car.
List of Motoring Convictions
AC10, AC20, AC30, BA10, BA30, BA40, BA60, CD10, CD20, CD30, CD40, CD50, CD60, CD70, CD80, CD90, CU10, CU20, CU30, CU40, CU50, CU80, DD10, DD40, DD60, DD80, DD90, DR10, DR20, DR30, DR31, DR61, DR40, DR50, DR60, DR70, DG10, DG60, DR80, DG40, DR90, IN10, LC20, LC30, LC40, LC50, MS10, MS20, MS30, MS50, MS60, MS70, MS80, MS90, MW10, PC10, PC20, PC30, SP10, SP20, SP30, SP40, SP50, TS10, TS20, TS30, TS40, TS50, TS60, TS70, UT50, TT99, MR09, MR19, MR29, MR39, MR49, MR59