However, as long as you keep your licence clean in the future and change your insurance provider to a specialist, such as those listed on www.cancancover.com/car-insurance/convicted-drivers-car-insurance, there are ways to reduce the cost of your cover and keep yourself on the road for longer.
The impact of a conviction on your insurance premiums usually depends on the severity of the offence: for instance, according to Keepmedriving.com, a 30-year-old male driver with a Ford Mondeo could expect to pay nine per cent more after being convicted of a minor offence, such as failing to wear a seat belt. A major offence, such as not stopping after an accident, will result in a much more substantial 64 per cent premium on the original cost of cover, while drinking and driving can almost double the price of a policy.
The best way to bring your insurance costs back down again is simply to demonstrate that you have improved as a driver. As well as avoiding any future convictions, completing an advanced driving course is one way to do this, effectively offsetting your negative history to some degree. The Institute of Advanced Motorists offers programmes like these, while drivers who have been caught speeding can take the National Speed Awareness Course to limit the impact of their convictions.
Insurers will also be more inclined to offer cheaper premiums if you add older, more experienced named drivers to your policy. The type of car you drive also makes a difference to the cost of your cover – it may be worth trading in your car for one in a cheaper insurance bracket to offset costs. As ever, taking good care of your car by parking it in a locked garage and adding security measures like immobilisers and alarms can also bring down the price of your insurance.