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Advice for young drivers who have non-driving convictions

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May 15, 2020
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If you’re learning to drive or have recently passed your driving test, but have a non-driving criminal conviction you may find getting insurance is either incredibly expensive or you may be struggling to get cover.

Many insurers will send their premiums through the roof if you’ve had a motoring conviction or two.

A non-motoring conviction is a conviction that is not related to driving, for example breaking into a house or stealing a car would be classed as a non-motoring conviction.

It doesn’t matter whether your conviction is motoring related or not, it can have an effect on your insurance in some way, and you will need to disclose your conviction to your insurance company, unless it has been five years since the conviction. However, if you received a custodial sentence of over four years, you will still need to disclose the conviction. If you don’t disclose any conviction, or you mislead your insurer accidentally (or deliberately), you may have your insurance cancelled or voided, and you could even face criminal charges for insurance fraud.

The cost of insurance is higher for convicted drivers because, statistically, motorists with convictions are more likely to be involved in an accident, meaning there is a higher risk to the insurance company, and so their insurance premium reflects that.

Here at Adrian Flux, things are different. We know that your past is not necessarily a guide to the future and as experts in finding cover for all types of specialist and unusual situations, our quotes department can search for value for money, high quality insurance cover whatever your history.

When your convictions are spent, in the eyes of the law your past misdemeanours have been forgotten, and we at Adrian Flux won’t hold them against you either. If you have spent convictions or unspent convictions our experienced team can discuss your car insurance needs and search for a quote for convicted driver cover.

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