Getting affordable motor trade insurance with criminal convictions or as a convicted driver can be challenging, but it doesn’t have to be. At Tradex Insurance Services, we offer Motor Trade Insurance for convicted drivers, based on your individual merit, and therefore may be able to help you attain competitive, flexible and personalised motor trade insurance. 

While premiums for convicted drivers may be higher, due to increased risk, this guide provides more information on how we can support convicted drivers in operating safely and legally in the motor trade. 

Why is Motor Trade Insurance Hard to Obtain for Convicted Drivers?

If you’re reading this, you’re probably already aware that convicted drivers can face increased challenges when accessing motor trade insurance.

Whether your conviction was related to driving, insurance, trade, or something entirely unrelated, many Insurers will not consider covering a driver with a criminal record because of the increased risk they perceive. When convicted drivers or people with criminal records of any kind do find an insurer that will provide a policy for them, the policies often come at a higher cost than for individuals with a clean record. 

Some convicted drivers may think that withholding information about past convictions might help them overcome the prejudice or higher costs they’re experiencing, but we strongly caution against taking that approach. Misleading information can become a much more costly decision, as it may invalidate your policy. 

Here at Tradex Insurance Services, we can tailor a plan to suit your individual circumstance. We don’t think your record should get in the way of your future in the motor trade, and therefore we’ll do our best to help you find legal, and compliant coverage within your budget.

How Tradex Insurance Services Offers Motor Trade Insurance for Convicted Drivers

At Tradex Insurance Services, we provide affordable insurance for your motor trade business and activities, based specifically on your criminal convictions or previous driving offences. We don’t think that should stop you from having a properly compliant policy for your business, and we want to ensure that you can operate your business safely and legally moving into the future.

Contact us for a quote today to help find the Convicted Driver Insurance you need.

How to Get Motor Trade Insurance with a Criminal Record

Getting motor trade insurance with a criminal record is as easy as contacting Tradex Insurance Services for a free and personalised quote. We’ll talk to you to understand your history, needs, and budget and then talk you through your option.
 
You must be open and transparent with us about your convictions. This allows us to support you and find cover unique to your circumstances. Concealing a conviction is never a good idea and can lead to your policy being voided. 

Similarly, you should let us know if you’ve taken any positive steps since your conviction. For example, if you’re a convicted driver who has since undertaken a safer driver course, this may help to reduce the cost of your policy.

Can I Still Get Insurance if I Have a Serious Conviction?

In most cases, you can still get motor trade insurance if you have a serious conviction. The nature of your conviction (including whether it was driving-related) and how long ago it occurred will influence how much it affects your policy and premium cost. Ask Tradex Insurance Services for a personalised quote that’s tailored to suit your circumstances.

How Does a Criminal Conviction Affect My Motor Trade Insurance Premium?

The extent to which a criminal conviction affects your motor trade insurance premium depends on the nature of the conviction and how recent it is. In some cases, you can expect to pay more than someone with a clean record, but we may be able to get you covered and compliant at an affordable cost.

What Are My Options if I’ve Been Refused by Other Insurers?

If you’ve had your application for motor trade insurance refused by other insurers because of your criminal convictions or driving record, Tradex Insurance Services may be able to help. We’ve got over 40 years of experience in providing motor trade insurance and we’ll work with you to ensure you get covered, even if you have convictions.

Ready to explore your options? Request a quote from Tradex Insurance Services today.

For detailed information on inclusions and exclusions, refer to our policy wording.