Convicted Van Insurance

Convicted van insurance is a specialist type of policy designed for van drivers who have:

• Motoring convictions (e.g., speeding, drink driving, driving without insurance)
• Criminal convictions
• Points on their licence (SP30, IN10, DR10, etc.)

It provides similar protection to standard van insurance but is tailored for drivers whose records make them higher risk in the eyes of mainstream insurers.

Your convicted van insurance policy will start with:

• Comprehensive cover – protects you, your van, and third parties in an accident
• Third party, fire & theft – covers others in an accident, plus your van if stolen or damaged by fire
• Third party only – covers damage or injury to others only (minimum legal requirement)

You may need convicted van insurance if you:

• Have motoring convictions (e.g., DR10, IN10, SP50)
• Have a criminal record that affects insurance acceptance
• Are returning to driving after a ban
• Drive your van for work, deliveries, or personal use and need ongoing cover despite past offences

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:

1. Higher insurance premiums. Convictions may result in higher insurance premiums due to the increased risk associated with the driver. The driver van insurance cost is significantly influenced by motoring convictions, leading to higher costs compared to those without such convictions.
2. Limited coverage options. Some insurance providers may decline to offer coverage or limit the coverage options available to a convicted driver.
3. 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.
4. 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.
5. 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.

The types of driving convictions that can impact insurance cover include:

1. Drink driving or driving under the influence
2. Speeding
3. Careless or reckless driving
4. Driving without insurance
5. Driving with a suspended licence
6. Dangerous or careless driving
7. Failing to stop after an accident
8. Using a mobile phone while driving
9. Racing or speeding contests on the road
10. A criminal conviction such as vehicular assault or manslaughter
11. 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.

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. Finding affordable van insurance can be particularly challenging for convicted drivers, as insurers often factor in the type of van, the driver's history, and their perception of risk.

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. Some insurance providers offer cheap van insurance specifically targeted at convicted drivers, focusing on affordability and suggesting ways to lower insurance costs.

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. Comprehensive cover can be particularly beneficial for convicted drivers, as it provides extensive protection, including costs associated with repairing the insured's vehicle and medical expenses for injuries sustained in accidents.

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.

When you're trying to keep costs down, there are a few things you can try.

Specialist convicted van insurance providers offer tailored insurance policies for convicted drivers. These providers understand the challenges faced by convicted drivers and offer more competitive premiums and comprehensive coverage options.

• Competitive premiums: Specialist providers offer more competitive premiums for convicted drivers.
• Comprehensive coverage: Specialist providers offer comprehensive coverage options, including damage to your vehicle, third-party damage, and theft.
• Expert knowledge: Specialist providers have expert knowledge of the convicted driver market and can offer tailored advice and guidance.
• Flexible policies: Specialist providers offer flexible policies that can be tailored to your specific needs and circumstances.

By choosing a specialist provider, convicted drivers can find more affordable and suitable van insurance options that cater to their unique needs.