Temporary Car Insurance for those with Convictions

Securing temporary car insurance with convictions or points on your license can be a tricky proposition.  People who have been caught speeding or driving dangerously are always likely to face higher premiums than most, and the same applies to temporary policies.

Someone who is convicted for speeding will usually face having three to six points placed upon their license. In those circumstances where a person picks up 12 points, the equivalent to a very serious conviction or four standard speeding tickets, within three years they will be banned from driving.

These convictions and bans can have a dramatic effect on your ability to access affordable temporary car insurance. The quotes you will get from companies will be high due to their viewing your past actions as a disregard for road safety laws.

Even though theses bans are usually temporary, getting car insurance with convictions is always going to be an expensive experience due to the perception of higher risk to the insurer. This difficulty in getting a good deal is particularly pronounced when looking for temporary policies.

While each insurer is different and there will be substantial variations between temporary car insurance deals, those with convictions and points on their license should be aware of a few general trends.

Most providers of temporary car insurance will not extend cover to you if you have more than 6 penalty points on your license or have been convicted and disqualified in the last five years. The only way to beat this general trend is to get as many temporary car insurance quotes as possible.