If you have a speeding conviction, there’s no doubt that getting car insurance at an affordable rate can be tricky. Insurance providers consider those with convictions to be higher risk and will price their policies accordingly.

Types of speeding convictions

There are a few different types of speeding convictions, each with their own unique identifying code. For example speeding on the motorway is classified as an SP50 conviction. If you were caught speeding on the motorway, then you’ll need to seek out SP50 conviction insurance.

Other types of speeding convictions include –

• SP10 – Exceeding the speed limit in a goods vehicle
• SP20 – Exceeding speed limit for the type of vehicle you were driving (not including goods or passenger vehicles)
• SP30 – Exceeding the statutory speed limit on a public road
• SP40 – Exceeding the speed limit in a passenger vehicle

All of these convictions will mean you’ll get at least 3 points on your licence as well as a possible fine and driving ban, depending on the severity.

Where to find cover

Although a lot of insurance providers may offer you cover if you have a speeding conviction, a lot of them will simply not be affordable. Thankfully, there are specialist providers of car insurance for convicted drivers who can offer you cover at a reasonable rate.

What you can expect to pay will depend on the severity of your conviction amongst other factors. Some of the other things that will affect what you pay include –

• Your age – Age is always a big factor that insurance providers take into account. Those under the age of 25 will typically pay a lot more for cover since they’re considered a high risk group. If you’re under 25 and have a conviction, then it could be tricky to get cover at an affordable price.
• The value of your car – The value of your car is of course going to be something that insurance providers consider too. How much this affects the cost of your policy will depend on the level of cover you get. If you want to keep the cost down, then it’s a good idea to consider a third party policy, rather than comprehensive.
• How secure it is – Insurance providers will certainly consider how likely your car is to be stolen based on a few different factors, the main ones being what security features it has (alarm, immobiliser etc.) as well as where it’s parked when not in use.

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How much does minibus insurance cost?

The cost of minibus insurance will depend on a few key factors. These include –

• Your age – Age is always a factor when it comes to vehicle insurance of any kind. Younger people in the 18-24 age range will always pay more for insurance since they’re considered a high risk group who are more likely to be involved in accidents.
• The size of your minibus – The size of your minibus is another thing that will have an impact on price. The larger the minibus, the more you can expect to pay.
• The value of your minibus – The value of the minibus you’re insuring will certainly affect what you pay for insurance, so it’s worth considering this when purchasing one.
• Where you park it – Vehicles parked on a drive or in a garage are much more secure than those parked on the street and so they’ll cost less to insure.

What types of cover can you get?

You can get the usual types of road risks cover with minibus insurance i.e. third party; third party, fire and theft; and fully comprehensive. You might also need to get additional types of cover depending on what you’re using your minibus for.

For example if you’re driving a charity minibus then you’ll need to get additional cover compared to somebody who uses their minibus solely for pleasure. Try Clean Green Compare for charity minibus insurance.

Where is the best place to find minibus insurance?

There are plenty of minibus insurance experts online who offer cover at a reasonable price. The best way to go about getting minibus insurance quotes is to use an insurance comparison service that allows you to compare quotes from many different providers.

How can I save money on minibus insurance?

Below are some great ways to save money on minibus insurance –

• Pay for your policy annually – If you can afford to pay for your policy annually rather than monthly then this is a great way to lower the overall cost. Always be sure to negotiate the best price you can when you pay like this.
• Park securely – Parking your vehicle securely on a driveway or locked garage is another way to lower the cost of minibus insurance significantly.
• Shop around – It’s always essential to shop around when you’re looking to save money on minibus cover since the prices you’re quoted can very a lot from one insurance provider to the next.

If you’ve ever considered starting a business in the motor trade but aren’t sure exactly what is required then the information below should make for interesting reading.

What types of motor trade businesses are there?

The main types of motor trade businesses are those that make money through buying, modifying or repairing vehicles. Some typical motor trade business types include –

• MOT garages
• Car showrooms
• Auction houses
• Mechanics
• Valeters

Do you need premises?

Whether or not you need a premises will depend upon what type of business it is. A mobile mechanic doesn’t need a premises in theory since they’re usually working on the road and using tools from their van. However if you’re doing something such as car sales or MOT repairs, then you’ll certainly need a premises. 

What type of insurance do you need?

The exact type of cover you need will depend on the type of motor trade business you have. For example if you’re a mechanic then you’ll want to get a UK mechanics insurance policy that covers you for the risks associated with that job.

To qualify for motor trade insurance you need to –

• Be at least 21 years old
• Have a full UK drivers licence
• Be able to prove you work in the motor trade

What types of policies are available?

The main types of policies are –

• Road risks – Road risks insurance is essential for most types of motor trade businesses. It will allow the policy holder and their employees to work on customer vehicles as well as transporting them. It’s also possible to get cover for your personal vehicle as well as any vehicles your business owns.
• Part time traders insurance – You can also get part time traders insurance policies from sites like https://www.traders-insurance.com/part-time-traders-insurance. Part time traders insurance will cover you only for the period of time you require.
• Combined motor trade insurance – A combined motor trade insurance policy providers cover for all aspects of a motor trade business, from vehicles to the business premises, tools, stock and cash.

How much will it cost?

The cost of a motor trade insurance policy will depend on a number of variables; some of the most important being –

• Your age – Your age will always play a factor when it comes to the cost of insurance. Under 25s can expect to pay considerably more for a policy simply because they’re considered higher risk.
• The type of business you need cover for – The type of business you need cover for will also play a role in how much your cover costs. Things like the size of your business, the type of vehicles you deal with and the number of employees you have will be taken into account.
• The level of cover you take out – As you would expect a basic road risks insurance policy will cost less than a policy that has many cover options such as liability claims, legal fees, premises cover etc.

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Having a drink driving conviction can be a hindrance to getting car insurance at a reasonable price. This doesn’t have to be the case though. Below is a guide to help you out.

Why does a drink driving conviction affect the cost of car insurance?

The reason that a drink driving car insurance policy costs more is simply because insurance providers always factor in risk when coming up with a price. The more likely a person is to make a claim, the more the policy will cost. Even if you know you’ll never drink drive again, you’re still in a group that’s statistically more likely to make a claim and therefore you can expect to pay more for you insurance.

Do I have to declare my conviction?

Whether or not you need to declare your conviction to insurance providers will depend on whether your conviction is spent or unspent. Under the Rehabilitation of Offenders Act 1974, certain convictions become spent after a given period of time. This means you’re no longer obligated to declare your conviction if it’s spent.

Click here to see when your conviction will become spent.

What other things affect the cost of car insurance?

Some other things that affect the cost of car insurance are –

• Your age – Your age is certainly a big factor when it comes to the cost of car insurance. If you’re under the age of 25 and you have a drink driving conviction then your insurance is going to cost considerably more than a person who is over 25 and has a clean criminal record.
• The value of your vehicle – The value of your vehicle will of course have a big impact on cost too. The more your vehicle is worth, the more you can expect to pay for cover. If you have a drink driving conviction and you want to keep your insurance affordable then, it’s a good idea to get a modestly priced vehicle.
• Where it’s parked – Where your vehicle is parked will certainly affect how much you pay for car insurance. If you have a locked garage to keep your car in then this is ideal since it keeps it safe from thieves and vandals. If you have to park your car on a public street then this will unfortunately make insurance costlier.
• How secure the vehicle is – If you want to reduce the cost of car insurance then you should take any steps you can to make your vehicle more secure.
• What level of cover you get – The level of cover you get will affect how much car insurance costs too.