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Tips When Looking For An Affordable Convicted Or Drink Driver Insurance
Getting car insurance after a driving offense or any conviction can be challenging. While you will find convicted driver insurance or drink driver insurance, companies will normally charge you sky high prices.
Most of the time, insurance companies will not dare to give you coverage even if your case does not have anything to do with your driving. This is because you people with convictions or drink driving records are considered high risk customers who have a higher probability of being involved in road mishaps and of course, make claims. There are also companies who are willing to provide auto insurance as long as your conviction is not related to driving cases.
When it gets too difficult to find a convicted driver insurance, you can approach specialist insurance firms that can provide car insurance. Remember that car insurance is required and you will have more problems if you are caught driving without one.
Declare Your Convictions
You just have to be upfront about your previous convictions when applying for convicted driver insurance. These driving insurance offenses may include driving under ...
... the influence of alcohol or illicit drugs, being involved in car accident, reckless driving, or having a vehicle in dangerous condition.
Be honest with your status since failure to declare any conviction may invalidate your coverage, which means your claims will be declined.
Keeping the premiums down
There will be companies that will be willing to provide coverage even you have had drink driving cases, speeding convictions, have a banned driver status, or dealing with multiple convictions. These firms have schemes in place to help and provide insurance coverage for you.
Once you found the right company for you, you need to make sure that you keep the insurance premiums manageable. You can do this by trying the following:
Raise your policy's excess. The excess is the part of the claim that the policy holder takes care of. Remember not to make it too high that you cannot pay it in the event of a claim.
Drive less. Your premiums will be more affordable when your mileage is lower.
Keep your vehicle safe. Keep your car in the garage and make sure that it is equipped with an immobilizer or a proper anti-theft alarm.
Additional Tips
Talk to customer service. When getting drink driving insurance or convicted driver insurance, it will be best to talk to the customer service representatives of the insurance company. These companies have people who understand the situation you are in. Ask every question that you have in mind to know if the company can offer what you need.
Prepare the details of your convictions. Once you have chosen an insurance company, prepare your records and list down every detail possible about your conviction. Take note of dates of conviction, court appearances, when your license was returned, among other details.
Try to get the best deal. If you have other coverage needs, try to use those as leverage. Tell the convicted driver insurance provider that you want a quotes. You might just end up getting a better deal that what you can imagine.
Are you having a hard time finding a convicted driver insurance or a drink driver insurance? We have schemes in place to help you. Please visit http://www.keithmichaels.co.uk/
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