Finding the right insurance policy after receiving points on your licence, being convicted of drink driving offences, disqualified or currently having an unspent criminal conviction is difficult. With our specialist panel of brokers My Wallet can help you get the best policy there is. We work hard with brokers around the UK to make sure only most suitable brokers will quote. And don’t worry – they are specialists! They will get you the best deal there is!
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Finding the Right Insurance
Completing your application
You’re responsible for answering any questions relating to your application honestly. If the information is found to be incorrect it could invalidate your insurance and your insurer may not pay out for any claims you make. Always make sure that the policy you’re applying for has the right level of cover and features that you require.
Factor Affecting your car insurance premium!
The cost of car insurance varies significantly from driver to driver. There are a number of factors that affect the price of your premium including:
- your age
- your occupation
- your insurance claims history
- the type of vehicle you drive
- where you store your vehicle at night
- if your vehicle is fitted with an alarm or immobiliser
- fraudulent claims made by other motorists
Comprehensive policy will provide you with the most extensive level of cover, including everything covered by third party, fire and theft, and usually:
- Loss or damage to your vehicle
- Windscreen cover
- Personal effects
- Accidental damage
- Medical expenses
Some insurance companies offer cheaper policies that offer less protection, known as ‘stripped down’ policies. For example, they may have taken off windscreen cover or reduced what you can claim for personal effects – so always check your policy documents to make sure you have the cover you want.
Third party, fire and theft covers everything that third party does, but also:
- Fire damage
- Theft of vehicle
- Damage to your car caused during theft
Third party only is the minimum level cover required by law in the UK. It covers:
- Liability for injury to others (including passengers)
- Damage to third party property
- Liability whilst towing a caravan or trailer
Telematics policies have made great strides into the market in recent years, using a black box or mobile phone app to calculate your premium based on the standard and nature of your driving. Designed for younger drivers in mind!
- Set by your insurance company
- Depends on the details you’ve provided your insurer with when you took out your policy
- Higher excesses are most likely on policies with young drivers, or on high value cars
- Amount you choose to pay towards the cost of a claim
- Can help to reduce the price of your insurance
- Paid on top of any compulsory excess you have
Driving other cars
You’ll need to read your policy documents before driving another car. Some will allow it but others won’t, so take care. If your policy permits you to drive another vehicle, the following usually applies:
- You won’t be covered for any damage to the car you’re driving
- The car must currently be insured
- You require the driver’s permission
- You can only be covered for cars that don’t belong to you, or vehicles not hired to you under a hire purchase agreement
- It’s for emergency cover use only, not for day-to-day use