What is Convicted Van Insurance?
Convicted van insurance is a type of specialist insurance cover designed for van drivers who have been convicted of a driving offence, such as drink driving, speeding, or other driving convictions.
This type of insurance takes into account the driver’s past record, the cost of your van and offers cover that meets the unique needs and circumstances. Insurance for convicted van drivers insurers drivers who are of a higher risk or have a high number of penalty points.
How our process works
We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.
Can A Convicted Van Driver Get Business Insurance?
Yes, a convicted van driver can get business insurance. However, the conviction may impact the cost of the insurance premium and the coverage options available.
It’s important for a convicted van driver to shop around and compare quotes to find the best coverage that meets their needs and budget. It’s also recommended to be honest and upfront about their conviction history when seeking business insurance to avoid the policy being invalid in the event of an accident.
What Restrictions Might A Convicted Driver Have?
Van drivers, like HGV or car drivers who also have historical driving convictions can face limitations. A convicted van driver may face several restrictions, including:
- Higher insurance premiums. Convictions may result in higher insurance premiums due to the increased risk associated with the driver.
- Limited coverage options. Some insurance providers may decline to offer coverage or limit the coverage options available to a convicted driver.
- Vehicle restrictions. Some convictions may result in restrictions on the type of vehicle the driver is allowed to operate, such as a ban on driving high-powered vehicles.
- Employment restrictions. Certain convictions may impact a driver’s ability to hold certain jobs, such as positions that require them to transport goods or people.
- Travel restrictions. Some convictions, such as a drink driving conviction, may result in restrictions on travel to certain countries.
It’s important to note that the restrictions a convicted driver may face will depend on the nature and severity of their conviction.
Can A Convicted Van Driver Be Added To A Fleet Policy?
A convicted van driver can be added to a fleet policy, although this will depend on the insurance provider and the terms of the policy. Some insurance providers may decline to add a convicted driver to a van fleet policy, while others may accept the driver under certain conditions, such as increased premiums or limited coverage.
It’s important to disclose any conviction history to the insurance provider when seeking coverage. The insurance provider will then determine the driver’s eligibility and the terms of the policy, including any restrictions or conditions.
Having a convicted driver on a fleet policy may impact the overall cost of the policy, so it’s important for fleet owners to compare options from different insurance providers and carefully consider the impact of a conviction on their coverage.
An insurance broker can help to compare affordable quotes and identify the best options for fleet policies with banned drivers.
What Types of Driving Conviction Impact Insurance?
The types of driving convictions that can impact insurance cover include:
- Drink driving or driving under the influence
- Speeding
- Careless or reckless driving
- Driving without insurance
- Driving with a suspended licence
- Dangerous or careless driving
- Failing to stop after an accident
- Using a mobile phone while driving
- Racing or speeding contests on the road
- A criminal conviction such as vehicular assault or manslaughter
- A driving ban
It’s important to note that the severity and frequency of convictions can also impact the coverage options and the cost of the insurance premium.
Is Convicted Van Insurance Expensive?
Van insurance for convicted drivers can be more expensive compared to standard van insurance. This is because convicted drivers are considered higher risk by insurance companies due to their past driving record. A high risk driving record statistically increases the likelihood of them being involved in an accident or committing another offence.
However, the cost of your policy will depend on several factors, such as the nature and severity of the conviction, the driver’s age and driving experience, the type of van being insured, and the cover options selected.
When finding van insurance, it is suggested drivers compare quotes options from different insurance providers to find the best cover that meets their needs and budget.
Some insurance providers specialise in providing cover for convicted drivers. These providers may offer more affordable rates or flexible cover options. An experienced insurance broker can offer advice on this and help you compare convicted van insurance.
How To Get Cheap Convicted Van Insurance
When you’re trying to keep costs down, there are a few things you can try.
