Driving Convictions & Van Insurance

It is important that you inform your van insurer of any driving convictions that you may have. As you can imagine, the number and type of convictions that you may have will have a large bearing on the premium your van insurer will charge you. As with claim history, every van insurer will have a different standpoint on convictions and whether they make you a higher or lower risk. Some van insurers will argue that drivers with more than 6 points on their licence represent a high risk as it could show a reckless attitude. However, some van insurers take the view point that drivers with a lot of points are close to losing their licence and therefore may be more likely to take care with their driving, especially if they rely on their van to carry out their business. When you consider the type of conviction, speeding convictions are now very common and as a result, most van insurers will not penalise drivers with one speeding conviction too heavily. However, if a driver has several speeding convictions, a van insurer could consider them to be more likely to have an accident due to their perceived reckless attitude. In all cases, it is a good rule of thumb to remember that the more convictions and points on your licence you have, the more you are going to pay for your van insurance.