We understand that finding affordable car insurance is tricky at the best of times, especially following a conviction. First Ireland have been helping drivers who have received motoring or legal convictions, have a high number of penalty points, or have been disqualified from driving to get competitive car insurance for over 35 years.
Who needs Convicted Driver Car Insurance?
If you have been convicted of a motoring or criminal offence, have been disqualified from driving, or currently have a high number of penalty points on your licence, you will require specialist cover. Many insurers will refuse to quote or massively increase the premium for these individuals, but First Ireland’s dedicated convicted driver car insurance team will work with you and specialist insurers to help get you back on the road with a competitive policy to improve your driving record for the future.
Why Choose First Ireland Convicted Driver Car Insurance?
We offer a range of benefits to convicted drivers to help them get back on the road with ease and peace of mind:
- We can recognise your no claims bonus up to two years from the expiry of your last motor policy.
- Spread the cost with our easy Premium Credit finance payment option.
- Enhanced motor rescue included in your first year with First Ireland.
- Our experienced team work alongside specialist insurers to offer competitive car insurance for convicted drivers and drivers following disqualification.
Getting a Quote as a Convicted Driver
Your ability to receive a car insurance quote following a conviction will depend on a range of factors including the type of conviction, the severity of the offence, and the time since conviction. While some insurers will refuse to quote an individual with any form of previous or existing conviction, First Ireland are dedicated to help and will strive to get you an affordable quote.
The Cost of Convicted Driver Car Insurance
Your car insurance premium will be impacted by a range of factors including the offence you have been convicted of and your personal insurance and/or claims history. While your premium will ultimately reflect your conviction, First Ireland work on your behalf alongside specialist insurers to provide convicted driver car insurance that is competitive in price and comprehensive in coverage.
Driving after Disqualification
Being disqualified from driving will impact your no claims bonus and if your disqualification has resulted in you not driving for two or more years, you will lose your no claims bonus altogether. However, all is not lost. Some of First Ireland’s specialist insurers will take your previous driving experience into consideration which could help to reduce the cost of your policy.
Declaring your Convictions
When you speak to our team, it is essential to disclose all current and previous convictions – including convictions not associated with driving – to ensure you receive the most accurate quote. While some convictions become spent after certain periods of time, it is important to disclose your complete history for the best advice. Failure to declare your convictions can invalidate your car policy and increase the risk of an insurer not paying out in the event of a claim.
Driving Offences in Ireland
First Ireland’s convicted driver car insurance is specially designed to help those with motoring and/or legal convictions to get back on the road. Some of the most common driving related offences in Ireland include:
- Driving without a licence
- Driving without valid insurance, tax, or NCT
- Driving without a seatbelt
- Driving an unfit vehicle
- Drink or drug driving
- Parking offences
- Speeding
- Dangerous driving
- Using a mobile phone while driving
Depending on the severity and circumstances of the offences outlined, individuals can be subject to fines, penalty points, and even imprisonment in some cases.
Get a Convicted Driver Car Insurance Quote Today
If you have any questions in relation to convicted driver car insurance or need a quote, we recommend speaking to a member of our team for the best advice. Please click here to call us. You can also request a quote online here. Do not worry if you do not receive a quote initially – your details will be sent to a member of our team and they will be in touch.
