At one point or another, almost everyone has broke the speed limit, even if just by a small margin. Whilst the law says that you can be given a speeding ticket for exceeding the limit by just 1mph, in truth this usually isn’t the case.
In order to be landed with a speeding conviction, you will most likely have been exceeding the speed limit by a noticeable margin. The harshness of the penalty you receive usually depends on how fast you were going as well as other circumstances such as whether anybody was hurt.
The new speeding fines that been introduced in the UK mean it’s more important than ever to watch your speed since the punishment can be quite severe.
Where to get insurance
If you do have a speeding conviction then you might be worried that it will hinder your chances of getting insurance at a reasonable price. Although it’s true that having a speeding conviction makes it harder to get car insurance, it doesn’t mean it’s impossible.
The best way to get car insurance when you have a speeding conviction is to go to get quotes from specialist providers. Sites such as Conviction Insure enable you to get quotes from convicted drivers insurance specialists in a quick and easy manner.
Do you need to declare your conviction?
Whether or not you need to declare your conviction when looking for car insurance will depend on whether your conviction is spent or unspent. How long until a conviction is spent i.e. you no longer need to declare it, will depend on how severe your conviction was.
To find out more about your conviction, you can see a full list of UK driving penalty codes here.
Ways to save money
- Get a limited mileage policy – If you only drive infrequently then you can benefit from getting a limited mileage policy. This is where you agree with your insurance provider to stay under a certain number of miles for the duration of your policy in order to cut down the chances of you making a claim.
- Limit cover options – Another way to save money on your insurance is to get a third party only policy. This obviously doesn’t provide much protection for your own vehicle but it does mean you can drive legally.
- Pay annually – Paying upfront isn’t for everyone but it will give you the chance to negotiate a lower overall rate for your policy.