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Convicted Driver Insurance

Welcome to Convicted Driver Insurance,As the name suggests we specialise in finding quotes for only one type of insurance and that is for the convicted driver.

Remember we have a specialist price comparison search facility for convicted drivers.

If you have been banned or convicted for a driving offence then please don't worry or feel embarrassed,we have a specialist panel of underwriters who are used to handling cheap car insurance for convicted drivers , remember that your policy will be tailored to your circumstances and we are aware that because you have been convicted of a driving offence that you are not necessarily more likely to claim on your insurance.

We have extensive knowledge of insurance for convicted drivers and use hundreds of the most popular insurance companies for our panel,so if you would like to reduce your premium and having trouble finding a cheap insurance policy for the convicted driver then look no further just complete our free,no obligation price comparison form and we will compare all the leading insurance companies.

Establishing firm and reliable estimates of costs to society is complicated by the fact that information on the incidence of driving without insurance is fragmented and incomplete. However, some costs are transparent, because uninsured drivers who are involved in road traffic accidents generate claims and the direct costs associated with a significant tranche of these claims can be identified. As with incidence, therefore, we can build a picture of costs by drawing on a range of data sources.

Most claims generated by uninsured drivers are handled by the MIB, which in turn is funded by a levy on individual motor insurance providers set by reference to their turnover. The MIB levy in 2003 amounted to £250 million, up from £34 million in 1991 and £100 million in 1995. Although the average cost per settlement has increased in recent years, so too has the number of new claims, from 44,000 in 1997 to 53,000 in 2003

Because MIB's activities are funded in full by the industry, this £250 million represents an annual direct charge to honest motorists. However, it underestimates the full costs they bear. The reason for this is that many claims relating to incidents involving uninsured drivers are settled directly by individual insurance providers. There are in fact four other routes by which victims of uninsured motorists can secure compensation. The first is a so-called 'Article 75' insurer, where a policy is in place but the insurer could legally refuse to deal with any claims because, for instance, the policy has been obtained fraudulently. Under Article 75 of MIB's Articles, insurers have agreed to settle such claims directly. A second is referred to as a 'Road Traffic Act' Insurer. In such cases the use of the vehicle is not properly insured because conditions of contract have been broken, for example because a joy-rider has caused damage in a stolen vehicle. Under the Road Traffic Act insurers are obliged to settle such claims. Third, an individual could secure recovery from his/her own insurer. Finally, he/she could pursue a civil action against the liable party.