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Non-Motoring Conviction Insurance
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Non-Motoring Conviction Insurance: Get Affordable Cover Today
We’re lowering the cost of ex-offender and non-motoring conviction insurance for you
Whether relating to driving or not, convictions can have a lasting impact on your car insurance. If you’ve received a non-motoring conviction, this could increase your insurance premiums, making driving too expensive.
First General understands that any conviction can be stressful. However, we believe that obtaining affordable insurance should be stress-free. This is why we specialise in helping convicted drivers or ex-offenders save money through affordable insurance options.
By working closely with our panel of insurance providers who all offer non-motoring conviction insurance, we can search the market for the best available deals and the most competitive quotes so that your conviction doesn’t spell the end for your driving.
Do I have to declare a non-motoring conviction for car insurance?
Yes, all unspent convictions must be declared when requesting car insurance. Failure to declare unspent convictions can invalidate your insurance.
In 2018, it became a requirement for individuals to share criminal convictions with their insurance providers. This means all convictions, from motoring convictions such as speeding or drink driving to non-motoring convictions.
You do not necessarily have to declare spent convictions when asked, although insurers are free to ask about spent convictions too. You also do not have to declare any driving offences that were not convictions. For example, if you were caught speeding and paid a fine or attended a speed awareness cause, this is not an unspent conviction.
In most cases, it is best to provide as much detail as possible to ensure you get an accurate insurance quote. It can even help to lower your premiums. For example, if you have completed a speed awareness course or a driver rehabilitation course, this shows insurers you have taken steps to improve driver safety. This lowers your risk on the road and, in turn, can reduce your insurance premiums too.
Do I need specialist non-motoring conviction insurance?
Choosing a specific insurer that handles non-motoring conviction and ex-offender insurance is a good way to ensure your insurance won’t be rejected and is at a competitive price too. Many standard policies that insurers provide consider convictions as high-risk. This means that it’s common for insurers to reject any individuals with a conviction. If they accept convictions, they may increase premiums to an unaffordable level as they see this as covering their risk.
Opting for specific non-motoring conviction insurance means you are choosing an insurer that understands how convictions work and recognises that a conviction may increase risk but doesn’t need to be unaffordable. First General focus on helping convicted drivers to find budget-friendly insurance. This means we work with specialist insurers who offer competitive quotes as this is their area of expertise.
Choosing a convicted driver specific policy can be the best first step to lower the cost of your insurance premiums. What’s more, your insurer will better understand your individual requirements, which can help you to tailor your policy to suit you.
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How can I lower the cost of non-motoring conviction insurance?
Unfortunately, insurers will see all convictions as increasing the risk of the driver. As a result, the higher the risk, the higher the premiums to compensate. However, you can help to lower the cost by showing insurers that you are a low-risk driver.
Some of the ways you can lower the cost of your insurance premiums include:
First General compares the market:
By opting for a price comparer, like First General, you can ensure you’re getting the best deal from a panel of specialist non-motoring conviction policies from trusted and well-rated insurers.
Start searching for the best deal today by filling in our quick quote form.
Choose your policy wisely:
In the past, the go-to policy for cheap car insurance was third party only cover. This is the lowest level of insurance cover and is the legal minimum requirement for drivers. As this only covers third party damage and injuries, it should have the lowest premiums.
However, insurers realised that statistically, more high-risk drivers opt for this policy which has meant the cost of third party only insurance has crept up. Now it can often be the same price or even more expensive than comprehensive insurance.
Comprehensive insurance can often deliver the best value for money when choosing insurance coverage. While it may cost slightly more than third party only or third party fire and theft, it may make more financial sense as it covers you and your vehicle should the worst happen.
If you’re finding the best value insurance, it may be worth looking at quotes for all three levels of insurance cover so that you can find the best deal.
Consider a dashcam policy:
In some cases, having a dashcam installed with a specific insurance policy can lower your premiums by as much as 30%. A dashcam is a great way to deter car theft and can provide invaluable evidence in the case of a driving incident dispute.
Alternatively, telematics or black box insurance policy can help show your insurer that you are a careful driver, which can help lower your insurance risk and premiums. If you’d like to find a policy that works hard to lower your premiums, First General has a range of options that we can talk you through to help you find the right policy for your needs.
From paying for a year’s insurance rather than monthly costs to accurately predicting your mileage or taking driver safety courses that lower your risk, First General can offer the tips and advice you need to get back behind the wheel. With our specialist advisors and wide-ranging insurance panel, we’re sure to find the best deal for your needs.
Affordable insurance is just a quote away. Chat to our team to find out more.