The amount that your premium goes up will depend upon the type of offence that was committed, the insurance company you use and whether you have lost any no claims bonus. For instance, your policy will rise significantly more if you write-off your vehicle in a drink driving incident (DR10) than it will if you are caught speeding (SP30) or driving while using a mobile phone (CU80).
This variation is largely down to the fact that each driving offence carries a different penalty. For instance, a DR10 offence or ‘Driving or attempting to drive with alcohol level above limit’ carries a fixed-penalty fine and could result in a driving ban. At the very least, anyone found guilty of this offence will be fined and have between three and eleven penalty points on their licence for eleven years from the date of conviction.
However, if you are found guilty of a CU80 (using a mobile phone while driving a motor vehicle) you will be punished with three penalty points on your licence for four years or if you are convicted of an SP30 (exceeding statutory speed limit on a public road) you will get between three and six penalty points on your licence for four years.
Whatever the conviction, it will all have an impact on the price of your policy so if you should compare prices from as many insurers as possible in order to get the best deal for your circumstances at the best price. And using MoneySupermarket is a quick and easy way to do this.
Van insurance is a legal requirement
The UK has more uninsured drivers on the roads than most other countries in Europe and it is estimated that this is costing the insurance industry around £2billion each year.In an attempt to combat this problem the government has introduced Continuous Insurance Enforcement (CIE), a set of regulations that make is an offence to keep a vehicle without insurance unless you have registered a Statuory Off Road Notice (SORN) with the DVLA.
The registered keeper of the vehicle is responsible for ensuring their vehicle is insured and if they do not comply they will be given a £100 fixed penalty, a court prosecution with a maximum fine of £1,000 and could have their vehicle clamped, seized and destroyed.
Choose your van wisely
In addition to your conviction, the type of van that you use also has a considerable affect upon the amount that you pay for your insurance. Vans are categorized across 20 ratings groups, 1 being the lowest risk and, therefore, cheapest to insure.The general rule of thumb is that the heavier the van, the more it will cost to insure. This is because heavier vans are considered to be more difficult to drive and often cost more to repair.
Insurance companies place all vans into one of five categories, based upon their size, before deciding upon their eventual grouping. These categories are; car-derived van, micro-van, small or light van, medium or panel van and large van.
Insurers will then use further criteria, such as engine size, purchase price and potential repair costs, before deciding upon the van’s final grouping.
If you are searching for cheap van insurance for convicted drivers then it makes sense to try and get a van at the lower end of the grouping scale.
However, depending upon what you are going to be using the van for, this may not always be possible and so there are a number of other ways in which you can cut the cost of your cover.
Get cheap van insurance for convicted drivers
One of the most straightforward ways to reduce the price of your premium is to compare quotes using MoneySupermarket’s search tool, but there are other ways to get cheaper van insurance for convicted drivers.
This doesn’t mean simply putting a sticker in the back window to inform potential thieves that no tools are kept in the van overnight, rather fitting things like an insurance approved alarm, immobiliser and possibly even a tracking device.
It is also a good idea to try and keep your van in a locked garage when not in use.
Reduce annual mileage
Although this may not be possible, if you can cut down on the number of miles you drive each year then you may be able to cut down the cost of your cover.
This is simply because the less you are on the road, the less likely you are to have an accident and insurers will see you as less of a risk.
If you are looking for cheap van insurance for convicted drivers then use MoneySupermarket to instantly compare quotes from a range of insurance companies.