Driver with Endorsements
Insurance for Drivers with Endorsements
Generally, insurance for drivers with endorsements with convictions are normally faced with higher premiums costs. As amount of cars and drivers are on the increase on UK roads, more and more motorists are being convicted for following convictions and driving offences:
• Drink Driving
• Careless & Dangerous Driving
• Driving Under the Influence of Drugs
• Driving Whilst Using Mobile Phones
• Road Rage
Due to the increase in convictions and driving offences case, some insurers are now providing a specialist insurance cover for convicted drivers and insurance for drivers with endorsements.
It is believed that driving convictions does not automatically mean that the driver is more likely to make a claim. However, drivers with driving convictions will find that general insurers will not provide insurance cover. This is where Arkwright Insurance Brokers can help with finding the right cover at the right premium for insurance for convicted drivers.
Tougher Penalties for Driving Offences Now in Effect
Courts in England and Wales are now enacting tougher penalties for drivers violating the rules of the road. In 2015, 244 people were killed in crashes involving speeding in Britain highlighting the need for greater road safety.
The courts hope these new regulations, which apply to all drivers sentenced on or after 24th April 2017, more accurately reflect the consequences of speeding. The following are the most common road offences affected by these updated regulations:
- Driving without due care and attention. The courts will now take the extent of injuries sustained and the damaged caused into account when deciding on the offence category.
- Driving while disqualified. The courts will now evaluate any evidence of associated bad driving on behalf of the defendant to determine the offence category.
- Driving without insurance. There are now three brackets for sentencing drivers without insurance.
- Category one: six to eight penalty points
- Category two: eight penalty points or disqualification up to six months
- Category three: disqualification between six to 12 months
- Speeding. The starting fine for speeding is now 25 per cent of one’s weekly income. The most serious speeding offences attract a band C fine, which now amounts to 175 per cent of the defendant’s weekly income.
Even with these changes, the maximum fines allowed by law stay the same. Unless the offence occurs on a motorway—where the limit rises to £2,500—a driver cannot be fined more than £1,000 for speeding
Call us today on 01204 392 525 or email us at Quote@arkwrightinsurance.co.uk for a quote for your vehicle windscreen insurance cover and we will have you covered in no time.