10 car insurance myths busted

5. I won’t be able to get car insurance if I have a driving conviction

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Having a serious conviction, such as drink driving, doesn’t mean it is impossible to get insurance. Some companies specialise in insuring high-risk motorists, including people with convictions, and even mainstream companies will consider insuring almost anyone. However, it is likely that you will pay higher premiums.

Because speeding convictions are relative common (a result of the increasing number of speed cameras on our roads), most insurers will insure someone with one speeding conviction for no extra charge. However, if you have more than one your premium is likely to increase

6. Charging a colleague petrol money for a lift to work might invalidate my insurance

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As long as you are not making a profit from providing a lift your insurance should be perfectly valid. However, you need to ensure that your car is covered for commuting.

Most policies have social, domestic and pleasure use, some will have commuting too. However, if this is all you have you cannot use your car in connection with work, such as going to appointments or making deliveries. For this you will require extra cover

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