Getting Insurance With a Drink Driving Conviction

Drink driving is a common problem in the UK and although the number of deaths and serious injuries caused by drink driving have reduced significantly over the last few decades, it’s still something that causes a lot of issues for everyone concerned. Drink driving is usually discouraged because of the harm you could cause to passengers, pedestrians and other road users. True as this is, even if you’re not involved in an accident while drink driving, it could still have serious consequences for your life. Do you have to declare your conviction to insurance providers? One of the first things that people who have a drink driving conviction want to know when they’re looking to get car insurance is whether or not they need to declare their conviction. This will depend on whether your conviction is spent or unspent. Under the Rehabilitation of Offenders Act 1974, some convictions must be considered ‘spent’ after a certain period of time. A spent conviction is simply one that you’re no longer obligated to declare. It’s important to note that even if your conviction is spent, some insurance providers might want to know about it. It’s important to be honest in this case… Read More

Types of Taxi Insurance

If you work as a taxi driver then one of the most important things you need to do is make sure you’re covered by getting the right type of insurance. Below are the different types of taxi insurance you can get as well as the different factors that affect the cost of taxi insurance. Taxi insurance cover options Private hire – Private hire taxis are those that can only be booked in advance i.e. they cannot pick up passengers from the street and also cannot display a taxi sign. Private hire taxi insurance is usually cheaper. Public hire – Public hire taxis are able to display a taxi sign and drivers can pick customers up while they’re between fares. Road risks – Insurance for road risks is something that every taxi driver must have as a minimum. The lowest level of insurance you can get in order for your taxi to be road legal is third party only. This will protect other road users if you’re involved in a collision where you’re to blame. For more protection for your own vehicle then you should get a comprehensive policy. Legal issues – You can get cover for legal issues added to…