Category Archives: Insurance

Drug Driving Car Insurance FAQ

Will a drug driving conviction make car insurance more expensive?

In a word yes. Drug driving convictions that are unspent must be declared if you’re asked about them and in this case it will almost certainly make getting car insurance more expensive. The reason for this is that insurance providers consider people who have a conviction to be higher risk and more likely to make a claim.

Do I have to tell insurance providers about my conviction?

Whether or not you need to tell insurance providers about your drug driving conviction will depend on whether your conviction is spent or unspent. Most convictions become spent after a certain amount of time, meaning you no longer have to declare them. Visit the Unlock Criminal Record Disclosure Calculator to find out when your conviction will become spent.

Where can I get quotes?

There are many sites where you can get drug driving insurance quotes online. It’s usually a good idea to get quotes from specialist providers since you’ll be offered a policy at a reasonable price considering your circumstances and the severity of your conviction.

What are the best ways to save money?

Some good ways to save money when you have a drug driving conviction are –

  • Pay upfront – Making a payment to cover a year of your policy when you first take it out might not sound too appealing since you’ll have to make a fairly substantial payment. However the advantage to this is that most insurance providers will knock a good bit off the overall price. This isn’t affordable for everyone but it is a good way to make a saving.
  • Make your vehicle secure – Any steps you can take to make your vehicle more secure, such as installing an alarm and immobiliser, will have to reduce the cost of your cover. Having someone secure to park your car when it’s not in use will help a lot too.
  • Get a third party policy – Third party policies work out cheaper than comprehensive cover since they only cover other motorists’ vehicles if you’re involved in an accident. If you want to keep costs down while getting more protection for your own vehicle then you can get a third party, fire and theft policy.
  • Get a lot of quotes – Getting quotes from a lot of insurance providers is another good way to save money since you’ll be able to easily compare them and pick the best one.

Saving Money on Minibus Insurance

If you drive then you’ll know that the cost of insurance is higher than ever. The number of scams and the fact that there are now more drivers on the road than ever means that everyone is paying the price when it comes to insurance.

There are many reasons why motor insurance is so expensive in the UK and unfortunately it doesn’t look set to change anytime soon. However there are some excellent ways you can save money on minibus insurance. Below are some of the best –

Make your minibus secure

One of the best ways to save money on minibus insurance is to make your vehicle as secure as possible. Most modern minibuses will come with an alarm and immobilizer fitted as standard but you should also make the effort to take any extra measures you can to make your minibus more secure. Installing a tracking device is definitely a good idea – it will ensure that your vehicle can be easily recovered if it’s stolen.

Increase your excess

Excess is the amount of money you would pay if you had to make a claim. If you want to reduce the cost of your premium then, increasing your excess is a very reliable way to do this.

Get the right level of cover

The type of insurance you need for your minibus will depend on what you use it for. If you drive your minibus for non-profit organizations then you can get a charity minibus insurance policy that is much cheaper, providing you’re able to provide the right documentation.

You can get any type of minibus insurance policy by using an insurance comparison site such as

Get a limited mileage policy

If you only use your minibus on certain days of the week and it’s not your everyday vehicle then you can save money by getting a limited mileage policy. As the name would suggest – this is where you agree with your insurance provider to stay under a certain number of miles in a given period.

Get a lot of quotes

Getting quotes from many different providers is one of the best ways you can save money on minibus insurance. It will prevent you from overspending since you’re able to easily compare the quotes you get and pick the one that’s best.