Driving offences in the UK typically incur penalty points, which are added to the driver’s record once he or she is convicted of that offence. These act as a deterrent and, if you reach a maximum of 12 within a 3-year period, can result in a driving ban. Some more serious offences can mean an instant driving disqualification. Motoring convictions will also lead to higher insurance premiums.
Most minor motoring offences are worth 3 points and/or a fine. According to government figures, there are over 9.2 million people in the UK with criminal convictions for driving and one in 3 men have had a conviction by the age of 53. However, few of us are fully aware of our legal obligations with regards to convictions when taking out car insurance and the information that we need to disclose.
It is important to remember that insurers rely on information given to them at application and renewal. When a claim is made, this information will be checked. Failure to have disclosed convictions can invalidate your insurance policy.
Penalty points for speeding are usually between 3 and 6 points, with fines reaching a maximum of £2,500. Other common offences are drink driving, “distraction offences” such as using a mobile phone and eating behind the wheel, and failing to stop after an accident. Lastly, around 2 million motorists drive every year in the UK without proper insurance. Driving bans are not uncommon for this offence and 6-8 penalty points can also be applied to a licence.
It is important, however, to remember that not all insurance companies handle motoring convictions in the same way. It is a good idea to seek advice from a broker and to ask them to shop around for you. If you let us know about your motoring conviction, A-Plan will help find the best cover at the best price. Moreover, we can help find you insurance following more serious motoring convictions. For example, we have specialist drink driving insurance quote facilities and discounts can be provided following the completion of a rehabilitation course.
Please get in touch with your branch for more information.
Sources: Motor Direct; www.nopenaltypoints.co.uk; Unlock