Driving is essential to some jobs. Not being able to drive can affect people who rely on you. By constantly putting pressure on friends and family to get you from place to place, you could cause unhealthy resentments. We understand the stress.
Convicted drivers insurance is almost identical to regular car insurance. However, it takes into account your previous convictions. As you might imagine, criminal car insurance companies see previous convictions as high risk. The higher the risk, the higher the cost of providing you with insurance. Premiums need to reflect risk.
There are three different types of convicted driver insurance. Depending on your circumstances, there will be a policy for you.
Firstly, there is a Third Party Only Insurance. Many convicted drivers choose this option as it’s considered the cheapest, although that’s not always the case. Often insurers predict that more people will choose this and hoick up the prices to compensate.
Secondly, Third Party, Fire and Theft, is a more advanced version of Third Party Only that also covers theft or destruction by fire.
Finally, there is a Fully Comprehensive Insurance. Safer drivers choose this option, and it may actually be cheaper. It gives drivers a higher level of protection but can be more cover than you need.
It is worth investigating all types of insurance policies to find the cheapest or has the highest value for money. Sometimes getting Fully Comprehensive Insurance is slightly more expensive but you get more for your money. In some cases, it can actually be cheaper.