What Breaking the Law means for your Car Insurance

Posted on March 1, 2013 · Posted in Insurance Guides

The cost of motoring never seems to go down. Petrol prices are on an ever-rising curve, garages raise their fees each year and the DVLA and Treasury are never shy about taking their cut either. Insurance, however, can go down, if you are careful, and new research shows the best way to send your premiums rocketing is to get on the wrong side of the law behind the wheel.

And, it’s not a marginal increase either. In some cases, a conviction can more than double the cost of your insurance.

Drinking in the last chance saloon 

As you would expect drink driving is seen as a very serious matter by the insurance industry. The figures will vary from firm to firm, of course, but as well as a ban you could be facing an increase in your premiums of between 115% and 155%.

Serve you right, many may think, but even relatively minor offences will be seen by your insurance company as a chance to put up your premiums. Are you sure you are on top of your tyre tread? Be warned, if it becomes a legal matter it could put up your insurance premiums by 69%.


Perhaps appropriately, the insurance industry has reserved its worst penalties for those who illegally try to ignore their offerings. Uninsured drivers who go before the court face an average 131% increase in what they should have paid. Talk about a false economy.

Genuine research 

The people behind this research are the price comparison site, confused.com, and they used a decent sample too. The results come from a survey of nearly five million quotations. A surprising 20% of customers had a declared conviction.

Honesty is the best policy 

However tempting it may be though, you must declare your convictions according to the company’s head of car insurance, Gareth Kloet.

He said, ‘If you do have a conviction you must disclose this on your policy. If you don’t disclose a conviction and you make a claim on your policy, your insurance company could refuse to pay the claim.’

Drive slowly and safely 

Confused.com took their idea of a typical motorist: a 30-year-old professional woman with a Mini Cooper.What happened to her, theoretical, insurance costs should be a lesson to us all. A speeding fine sent premiums up 34%. Using a mobile added 49% to her insurance costs.


That is before the costs of any fines you have to pay, and while an increasing number of drivers are saving money on motoring with good car leasing deals, there’s no opting out of the possible £2,500 maximum fine for a single defective tyre.Of course, the more serious the offence, the bigger the cost, and if you appear a dangerous enough driver you can forget your car leasing deal, because no insurer will take you on.


About the author

Cormac Reynolds is a lover of cars and has been fortunate to stay the right side of the law while driving.