Truck Insurance Comparison FAQs

Can I get a driver lorry fleet insurance policy if a driver has convictions?




Can I get a driver lorry fleet insurance policy if a driver has convictions?

Fleet insurance is a type of insurance which will cover several vehicles, two or more, all under one policy. This proves beneficial for businesses such as haulage and couriers with many vehicles. This coverage is flexible as to who is covered. Policies range from named drivers for specific vehicles to any driver driving any vehicle. A factor will affect the affordability of your insurance is if the driver has an convictions or endorsements on their license. It is possible to qualify for a driver lorry fleet insurance policy even if a driver has convictions.

The effect of convictions If a driver is convicted it may be harder to find an affordable fleet insurance policy as any endorsements can stay on a driver's driving record for up to 11 years. In addition to this, penalty points will have also been enforced on the license. Insurance is more expensive due to the high risk associated with the driver's conviction and penalty points as they are more likely to have a road accidents. Do the drivers need to declare their convictions? Legally, you are required to disclose this any convictions unless they are considered ‘spent’ meaning you no longer need to declare it. This is dependent on the type of offence that has been committed. For example if the driver has a drink drive offence, if the conviction is older than 5 years, you are no longer legally required to declare to the DR10 offence to insurance companies. What is the best way to reduce the insurance premium? In any event, it is still possible to get a fleet insurance policy when a driver has convictions but it may be costly. There are a number of ways to lower your insurance premium which in result will reduce the running costs of your business.

The options below consider steps you may wish to take to lower your insurance premium for driver lorry fleet insurance policy. Reducing your mileage: by reducing your estimated driving mileage, you are minimising the amount of time the drivers are on the road. In the insurers point of view, this will in turn reduce the possibility of a claim thereby reducing risk. This may help you find a cheaper quote. Increase your voluntary excess: by increasing the amount of excess you pay, the as the insurance company will shoulder less of the monetary burden in the event of a claim.

Use cameras and telematics: by installing cameras and telematics such as a ‘black box’, the driving can be monitored. This can reflect positively on your premium as your insurance can be reduced based on these records. Furthermore, in the event of a claim there will be a record of what has happened. Insurers may even offer discounts for the use of cameras and telematics. Complete driving courses: for example, if a driver has received a 12 month ban as a result of a drink driving offence, the court may provide the opportunity to complete a rehabilitation course. By doing this, motor trade insurance premiums may be lowered.

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