Although it can be expensive, it should be remembered that the cost of van insurance, like any other type of insurance, is calculated based upon risk. In the eyes of your insurer, a previous conviction will automatically represent a much higher risk compared to a driver who with a clean record.
Thankfully however, there are a number of insurance companies that exist in order to provide specialist van insurance for drivers who have previous convictions for driving or other criminal offences. A specialist provider may provide the customer with a quote when many other providers would otherwise refuse.
The following are some examples of offences which can drastically increase van insurance premiums:
If you are unfortunate enough to become involved in an incident which results in a conviction, there are regrettably few ways of lessening the increase in cost and in some of the more extreme cases, insurers have been known to refuse to cover customers who they believe will present to much of a risk.
Although van insurance from a specialist provider is usually considered a perfectly viable option for drivers with previous convictions, the financial limitations that are imposed by this increase can be decidedly inconvenient and are best avoided whenever possible.
In order to avoid these substantial increases, it is strongly recommended to abide by all road traffic laws and exercise caution when driving in order to minimise the risk of a dispute or legal incident that could result in a criminal conviction.