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In the UK, the most frequent traffic violations include breaking speed limits, and drinking and driving violations. There are over 1.5 million UK drivers who have infractions, and so many insurers are more than happy to work with banned drivers to provide cover once a licence have been reinstated. After all, there are many motorists in this position! The problem is that most policies are bought online these days using automatic quote and buy systems and to keep things simple they don't cater for those who had a few motoring offences. This is where specialist brokers come in, to bridge the gap between the motorist and the insurer.
Banned drivers seeking insurance in the UK have had more SP30 violations than any other infractions. SP30 violations mean that a driver has broken a speed limit and will likely pay a fine, as well as have three points attached to his or her driving record. If the driver has 12 points or more against a record, it could result in a six month or greater licence suspension. In most cases, the more points a driver has the higher the premium he or she will pay for insurance. Other ways that drivers can acquire negative points are driving whilst intoxicated and violating terms of probation.
Driving disqualifications are coded. For example, common offences are:
There are also CD codes for careless driving, CU codes for construction and use offences, DD codes for dangerous and reckless driving, an IR10 code for insurance infractions, LC codes for license offences, MS codes for miscellaneous offences, MW codes for motorway offences, TS codes for failing to adhere to traffic signs, UT codes for theft or unauthorised taking of a vehicle and a few others related to undefined issues not listed above.
Because driving convictions leading to a ban are on the rise in the United Kingdom, there are insurance companies that are now catering to these drivers by understanding their situation, and offering lower premiums.
If an insurer can see that a driver has taken the necessary steps to improve driving habits after a conviction, insurance may be granted at a reasonable rate. Drivers can prove themselves by taking driver education courses, and other classes on road conduct, alcohol and drug awareness, rules of probation and more.
Applying for one or more of these courses before applying for a policy will not only be seen as positive in the eyes of your insurer, but it will also help to give you a better driving record for the future.