Buying car insurance, when you have convictions
Car insurance is an essential service intended to protect the driver, other motor vehicle operators and even pedestrians. Without this coverage, it is illegal to place any vehicle on the road. Although this can be a bit of a complicated topic, it can become even more confusing for those who may have convictions or points on their licence. Let's take a look at common types of offences that can cause potential problems as well as the effect that these can have on the insurance plans themselves.
(1) Driving Under the Influence - Drink driving is arguably one of the most common convictions that will cause insurance premiums to rise dramatically. In Wales and England, an offence occurs when the blood alcohol limit of the driver exceeds 80 milligrams of alcohol for even 100 millilitres of blood. This automatically adds eleven penalty points to a licence. While the first incident is bad enough, multiple convictions can lead to great difficulty in getting insured at any price, and in some cases, imprisonment.
(2) Leaving the Scene of an Accident - Whether intentional or not, the results are very severe in the event that a driver flees the scene of a motor vehicle accident. This normally occurs if one of the two parties is not insured or a driver fears that he or she may be at fault and decides to simply leave. Failure to remain on the scene is another serious conviction and this is even more severe if another party was injured.
(3) Fleeing from the Police - Fleeing from the police is considered one of the most serious offences in the United Kingdom, and for good reason. The lives of other drivers, pedestrians and the police themselves are all placed at risk. So, it only makes sense that this act may cause up to eleven points to be placed upon a licence.