Convictions - Lady Driver Car Insurance

Convictions - How Will they Affect my Insurance Premiums?

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Whilst there are plenty of tips for how to make your car insurance premiums cheaper, it is worth looking at how you could also make your insurance premiums more expensive, by acquiring convictions for various offences or moving to a dangerous location. You should think about these things, as car insurance costs will take up a decent amount of your monthly income, which means that it is worth thinking about the following factors.

Should you get a driving conviction for speeding, or for going through a red light, or for whatever reason, you will not only have a harder time finding insurance, you will also have to pay higher premiums and maybe a higher excess before you can be insured. For this reason, you should watch your speed and do not mess around with traffic lights, because you will not only have to pay a fine, you will be paying for it with higher insurance costs.

The conviction taken most seriously by car insurance companies is for drink driving. Drink driving is so irresponsible that those with drink driving convictions may find it difficult to get insurance at all, and their premiums will not be discounted. In addition, you may not be able to get full insurance. You may be offered a lower level than comprehensive cover such as third party insurance, and these restrictions could last for many years.

Your home's location can affect your premiums. Should you move to an inner city area to get a cheaper property you may well find yourself paying higher premiums. This is due to the higher levels of traffic and higher crime rates in inner cities. This is especially relevant today due to Chancellor Gordon Brown offering a deal whereby people pay no stamp duty for moving into certain inner city areas, in order to encourage development in that area. These gains can be nullified by the increase in your car insurance premiums.

If you have had health problems in the past, these need to be declared on your car insurance application form. They could create problems for you on trying to procure car insurance in the UK. Illnesses that bring such symptoms as black outs are a risk for insurers, and these will affect your premiums.

Your occupation can also make a difference. Should your occupation be hazardous, that will raise your premiums. If you use your car for your work then it'll affect your premiums even further. You'd be surprised at what is considered a hazardous occupation. Being a journalist for instance is hazardous because of the amount of travelling. If you think this is unfair and your job is being penalised unfairly then you should speak to your insurer.

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