How to Reduce AC20 Car Insurance Costs
Lowering your car insurance costs after an AC20 conviction requires careful actions. You must demonstrate to
insurers that you are now a safer driver. This way, you can find cheaper convicted driver insurance and reduce
the
long-term financial effects.
Gather Your Driving Details
Before you search for car insurance, be sure to have your driving licence information and details about any
convictions ready. Insurers will ask for this information:
- Driver’s licence details – This must have any penalty points and endorsements.
- Date of the offence – You need to share with insurers the date of conviction.
- Driving history – Previous driving convictions or claims can change your price.
- Car details – The make, model, and insurance group of your car can affect your premium.
Compare Specialist Insurers for the Best Deal
Many regular insurance companies will not
cover
drivers with AC20 convictions. They view these drivers as a higher risk. But, there are special insurers and
brokers
who can offer convicted driver insurance. Their quotes are often more affordable.
- Use specialist brokers – These brokers help high-risk drivers. They can give you better
price
choices.
- Check FCA-regulated insurers – Make sure to pick insurers that are registered with the
Financial Conduct Authority (FCA).
- Use online comparison tools – Tools like Free Price Compare help you compare several
policies
at once.
- Ask about flexible payment options – Some insurers offer monthly payment plans to help
you
manage costs.
Consider Black Box Insurance (Telematics Policies)
A black box insurance policy monitors your driving. It can prove that you drive safely. This might lower your
premium, especially if you have an AC20 conviction.
- Monitors speed, braking, and acceleration – Keeping an eye on these can help you have
safer
driving habits and lower premiums.
- Encourages responsible driving – Avoiding careless driving and speeding can help you save
money in the long run.
- May be needed by some insurers – A few insurance companies ask for telematics from
drivers who
have had convictions.
- Helps build a clean driving record – A good driving record after a conviction can give
you
better quotes in the future.
Increase Your Voluntary Excess
Raising your voluntary excess can help reduce your monthly insurance costs. But remember, this
means
you will need to pay more money if you make a claim.
- Choose a higher amount you can afford – A bigger amount can lower your payments, but be
sure
you can pay it if needed.
- Higher amount = lower risk for insurers – Insurers see a bigger chosen amount as a sign
you
are responsible with money.
- Look at different amounts in policies – Some policies might have lower payments even if
they
have a smaller amount.
Consider Third-Party Risks Cover
Choosing only a third-party policy or a third-party, fire & theft policy can save you money compared to a
fully
comprehensive plan.
- Third-party only – Covers damage to other cars, but not yours.
- Third-party, fire & theft – Offers added protection against theft and fire damage.
- Fully comprehensive may not be cheaper – Even though it includes more coverage, some
insurers
might still charge less than third-party only.
Look for Rehabilitation Discounts
Some insurance companies reduce premiums for drivers with AC20 convictions. This occurs when those drivers
have
been without more driving convictions for a specific amount of time.
- Check if discounts apply – Some insurers may reduce costs after two or three years.
- Complete an advanced driving course – This shows that you care about safer driving.
- Maintain a clean driving record – Avoid getting new driving convictions or penalty
points.
- Consider a smaller engine vehicle – Cars that belong to lower insurance groups are
cheaper to
insure.
