Convicted driver insurance is a kind of insurance that is
given to persons who have been previously convicted for a driving related
offence. This people are also known as high risk individuals. There are several
types of driving offences that can get one convicted and consequently get one
to be classified under the group known as high risks. Some of these offences are;
driving with alcohol levels that exceed the law’s limit, speeding, dangerous
driving, driving a vehicle with no insurance, driving while banned, driving
while disqualified by the court and many other driving offences. Most of these
offenders tend to be repeat offenders and this makes them “high risk”.
One may
think that such high risk individuals do not qualify to get any sort of cover given
their high risk levels. One would think that it would be unlikely for an
insurance company to risk covering such a person whose probability of getting
involved in another accident is very high. But the law dictates that all the
cars that use the roads in the UK should have the minimum insurance requirement
which is the third party policy. Given that the high risk individuals still
need to drive around, some insurance companies offer special insurance policies
for the high risk people called the convicted driver insurance. This insurance
cover is similar to the other policies but it is much more expensive.
Despite
this difference in the pricing, one should not be subjected to exorbitant rates
that some insurance companies charge. Many of the convicted drivers will accept
the high charges thinking that they are justified amounts but they should
realise that there are much cheaper high risk insurance rates out there. There
are companies that even specialise on covering only the high risk people. There
are many companies that will offer great customized packages for the convicted
drivers and this helps in greatly reducing the prices of the policies. This is
because by choosing only what one wants covered, you eliminate many unnecessary
costs.
Also
because not all the individuals have the same convictions, they should also
attract different premium charges. Speeding should definitely not be charged as
expensive as driving with alcohol levels above the set limits. Some companies
will categorize them together which will be unfair to other parties. One should
get convicted driver insurance from a company that can adjust its policies and prices to suit
its clients. One should also push to be offered some discounts on the presented
policies.
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