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A Guide to Getting Motor Insurance for Drivers with Motoring Convictions

A Guide to getting Motor Insurance for Drivers with Motoring Convictions
For many people setting up a business, the issue of motor insurance is neither here nor there. They don’t rely on their vehicles for work, so it isn’t an important consideration.

For those that depend on vans and cars to carry out their work, though, the issue is more serious. A history of motoring convictions can push up premiums and force you to shell out more every month on already-expensive policies.

Are you planning on setting up a business, but you or your employees have driving convictions? If so, then you’ll want to read what we have to say here.


What Can Convicted Drivers Do To Reduce Their Business Motor Insurance?

Unfortunately, the UK driving population has racked up more than 10 million points across all 40 million licenses issued in the country. The level of traffic policing means that a vast number of people get caught breaking the road rules every year. 

If you or your employees have a motoring conviction, therefore, you’re by no means alone.  Speeding fines are growing in number and more and more drivers have penalty points SP10 to SP50

The good news is that there are a host of things that you can do to bring down insurance costs for your business:

Go to a bespoke insurer. Most insurers refuse to sell insurance products to people with serious motoring convictions. However, new firms are emerging that will do offer cover, even for convicted drivers and in the situation where a driver has a new criminal conviction and cant get a motor  quote. These give you affordable policies when options through regular channels are limited. 

Secure your premises. Like everyone else, businesses that rely on convicted drivers can reduce their premiums by locking their vehicles up at night and protecting their contents. 

Pay your premium upfront. When you pay for your insurance monthly, you effectively borrow the cash you pay the full cost upfront and then pay off a loan for the remainder of the year. Loans, however, come with interest, and so going down the monthly route can often wind up costing you. Generally, you’re better off sticking with annual upfront payments. 

Compare providers. Finally, you might want to use online comparison sites to compare various providers to see who offers the best deal for your firm. 

Unfortunately, even if you follow all these rules, drivers with a DR10 or TT99    usually wind up paying more for motor insurance. Furthermore, if somebody under the age of twenty-five has these convictions on their record, premiums can shoot through the roof, making hiring them uneconomical. Generally, the fees correspond to the severity of the crime. For example, most insurers pay little attention to speeding points but will increase costs for drink drive convictions. If a driver has a historical driving disqualification, they may also pay significantly more. 

How To Find The Cheapest Deals Working From Home? 

Many of the most successful businesses in history got their start in garages and attics. However, even if you work from home, you’ll still need to take commercial motor insurance if you use a car or van for work. Fortunately, you can get cheap deals. 

Consult Price Comparison Sites

When shopping for cheap business vehicle insurance from home, comparison sites are an excellent place to start. Before checking quotes, though, make sure that the service is reliable and honest. There are many “ghost brokers” out there who try to convince unsuspecting customers to part with cash using too-good-to-be-true deals. Look for brands with a track record of honesty and transparency. 

Use A Broker

You might consider using a broker if you can’t find a deal at an acceptable price online and even get any driver with zero deposit. They can show you your insurance options and tell you whether your current offers are good value so its important to find the best broker who specialises finding insurance for drivers with convictions, disqualified drivers, or penalty points on their licence.

Get A Multi-Vehicle Policy

If you have people in your business with convictions, you may be able to push down the price of their individual premiums by getting a multi-vehicle or fleet policy. Here, insurers spread the risk of the plan across all your drivers, smoothing out excess fees originating from any individual driver. 

What Does “Any Driver” Mean? 

"Any driver" is essentially a type of insurance cover that allows anyone to drive a vehicle with your permission. This type of insurance is helpful for those running small businesses because it lets you share work vehicles with friends and family members conveniently. It is also great for commercial operations because it means that staff can use any available vehicle without having to wait for one to become available. 

If you choose an “any driver” policy, you will have to declare if you expect somebody with motoring convictions to use the vehicle concerned. 

 

 

Motor Insurance for Drivers with Motoring Convictions

Motor Insurance for Convicted Drivers

An Introduction to Motor Trade Insurance With Convictions

A Guide to Getting Motor Insurance for Drivers with Motoring Convictions

Cheap Traders Insurance With Convictions

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Motor Trade Insurance Services


Motor Trade Insurance

Motor Trade Insurance

Finding the right cheap motor trade insurance policy can take considerable effort but we can help part time and full time car sellers and combine the best deal and the right support, first time every time. We offer free quotes for discount  motor traders insurance online with no deposit,
and have some providers that can include under 25s. How are you going to locate the most practical answer and advice in the shortest period and talk to an expert? Why should you settle for a high price when there are good traders insurance deals around. Can you find a better solution and see what is new  ventures get in the trade market?

Accessing the correct experience and knowledge is very important and we invite you to see what solutions we can offer. Time and time again we help motortraders save money and save time and get happy customers recommending us to others.
So that you can get on running your car trade business in a successful way. What better way than speaking to us for the cheapest traders cover in the sector. We can combine a trade policy and include staff and buildings cover in one. We also  enable you to have any driver included within all facets of the policy.

What car traders say about us is truly amazing as the saving can be so large . In conclusion we aim to assist motortrade business owners seek and find the most suitable and honest deal that they really need and can back this up with excellent customer service.

What about new ventures and new set up I may here you say, well these can all be covered to and we have considerable expertise to zoning in on the correct cover and we are pioneers of helping operations getting going and including additional business use with the car sellers policy.  (read more)

To obtain a low cost quote please call 01672 493899

Road Risk Insurance

Road Risk Insurance

Evans & Lewis Insurance specialise in providing Road Risk Insurance for Motor Trade business’ and business’ that sell vehicles.  In recent times there has been a contraction in the Insurance market within this sector.  There are now fewer Insurers to provide these types of policies.  We  have an experienced team providing competitive quotes for Road Risk and also provide cheap combined Motor Trade Insurance.  We offer a range of payment options that can assist individuals to spread their payments over a variety of terms.

So whether you are looking for a Road Risk policy or Motor Trade Insurance with premises cover, it is extremely important to talk to a specialist in the Market like Evans & Lewis.  It will take a short time to go through your insurance requirements and we provide quotes for Motor Trade Insurance combined with Buildings and also Employers Liability and Public Liability. 

We  can offer a range of different levels of cover.  From third party only, third party Fire & Theft or fully comprehensive.  We also provide excess options from £250 - £1000.  There are also specialist policies which cover vehicles in transit, vehicles left at business premises and it is also possible to protect your no claims bonus.  (read more)

To get a competitive  Motor Trade Insurance Quote
Please call 01672 493899

Combined Motor Trade Insurance

Combined Motor Trade Insurance

When running  a motor trade business is very important to have the correct insurance policy in place to cover  all eventualities that can arise during the year. If you are employing staff and own a premises then the best cover is a combined motor trade insurance policy that will enable to put all the facets of your company under one roof. The main constituents of the policy are the road risk, employers liability, the public liability and the buildings cover. It is also greatly under estimated the importance of cover that provides revenue for you in the event of fire or flood or any other circumstance that may occur to your business activities.

In order to obtain the best costing it can be advisable to increase the excess as this can assist in lowering the motor trade insurance quote. Once you have identified all the attributes that you require with the policy it is best to speak to several firms who have significant experience and a dynamic approach to the service. Always choose a broker who has a reputable claims handling line because this is in essence what you are paying for.   (read more)

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Motor Fleet Insurance

Cheap Motor Trade Insurance

How To Get Cheap Motor Trade Insurance Premiums Through Knowledge Knowing how to get cheap motor trade insurance premiums for your motor trade business can require some brainstorming.

Most operatives in the motor trade are clued up business men in the middle of a daily vehicular business and the last person they wish to deal with is a broker who doesn't know their trade. You know the ins and outs and wish to deal with an insurer which is straight and shows common sense. Understanding the needs of the individual business, premises, vehicles, liabilities, indemnities and drivers to be insured.

Our clients offer advice about cars as a dealership or making essential body and engine repairs as a mechanical repairer whose coverage needs to be the right level to offer customers guarantees on the work carried out. There are also car park owners who are tasked with the safety and security of thousands of cars on a weekly basis, entrusting Evans and Lewis with their livelihoods and insurance coverage. A vast swathe operate in vehicle recovery as a breakdown service or offer garage repairs as mechanics. Their customers expect the highest level of service and so should you. (read more)

If you would like to arrange a quote for insurance
Please call us now on 01672 493899

Under 25 Motor Insurance

Under 25 Motor Insurance

Motor trade insurance for the under 25’s has significantly contracted in recent years and there are now only 2 or 3 insurers in the market place who will cater for this type of risk.  Often enough the insurers will request a business plan that provide projecting financial forecasts.  If an individual is looking for a combined  motor trade insurance with premises, then again, a similar format would apply.  The insurers are increasingly wary of individuals who take out this type of policy but are not working within the motor trade.
We have an in depth and broad understanding of the motor trade insurance market and we have gained experience over the years to ensure we can deliver  low cost solutions to suit your business.  When starting off in the motor trade it is of paramount importance to contain all overheads that will enable the business to grow, rather than being lumbered with large costs.
The motor trade insurance that we provide is for vehicle sales, servicing and repair, windscreen fitters, valeters and tyre fitters.  So whatever trade you work in within the motor trade sector, we are confident of finding you the best insurance deal.  As we have worked with our insurers for numerous years, we can negotiate on your behalf to find a motor trade insurance with buildings  solution that is bespoke to each business.  

(read more)

Please call 01672 493899 or email info@evansandlewis.co.uk

 

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