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If you’ve got points and bans, it pays to shop around for insurance

Once you’ve received a driving conviction, getting insurance can become more difficult and expensive. With the plethora of speeding cameras dotted around the country, it is all too easy to be clocked exceeding the limit, especially as modern bikes have such great acceleration.

The problem is you might have racked up some points for speeding convictions resulting in a year’s ban from driving and now, a few years later, you find insurance companies are still giving you higher quotes. Often, this doesn’t seem fair, as it could have been a one-off error of judgement and for most people, it’s a case of ‘once bitten, twice shy’.

Or maybe you’ve got a conviction for something other than a motoring offence and find you are being penalised with high premiums when it comes to getting motorcycle insurance, even if you’re a good rider.

In these sorts of cases, if you investigate online insurance quotes your premium may end up sky high. Most sites add on fixed percentages for each conviction or ban, regardless of your individual circumstances with heavy loading for more serious convictions.

Don’t make the mistake of thinking that’s the norm and you’ll have stump up the money, or else not ride your bike. A phone call to a specialist insurance broker who can discuss your details will probably produce a more favourable premium.

Bikesure, the free-thinking motorcycle insurance broker, understands that on the whole riders with convictions are not any different from riders without convictions. And, in fact, those who have points on their licenses may actually be more careful than those without – as they are worried about facing a ban.

One of the most common convictions in the UK is driving without insurance. This is a serious offence. First-time offenders may receive six points and a fine, but the penalty could be more severe, including a ban, depending on the incident. Ironically, getting insurance after this conviction, labelled an IN10, can be really difficult.

At Bikesure, the experienced staff will do the legwork for you and ring around to find cover at a reasonable price. For example for a 23-year-old male, living in the LN3 postcode who has an IN10 conviction and a subsequent 12-month ban will only pay £170 for third party, fire and theft cover on his Suzuki GS600F if he agrees to a £400 excess, once he is clear to ride again. This assumes he also had a recent 1-year NCB before he let his insurance lapse.

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