Research shows that car insurance premiums tend to be higher for young drivers and those with previous driving convictions, so if you happen to fit into both those categories you can expect to pay more than most for car insurance.
Car insurance providers see an increased risk in both young drivers under the age of 25 and those with previous convictions. For the former it is the lack of experience and for the latter it stems from the fact that they have already shown carelessness or disregard ‘for UK traffic road law.
The most common causes of obtaining a driving conviction in the UK are:
- The most common cause is speeding
- Followed by jumping traffic lights
- Drink drive offences
- Uninsured driving
- Holding a mobile phone while having a conversation
It is perhaps unsurprising to motorists that young male drivers have about a one in five chance of picking up a driving conviction.
Car insurance companies will take notice of both a driver’s age and their previous convictions, so the combination can have a dramatic effect on car insurance premiums.
There is unfortunately not a whole lot that can be done. Taking and successfully completing a driving rehabilitation course can help to reduce premiums. Shopping around for a number of car insurance quotes could also be an important way of finding the right policy.