DRIVING CONVICTIONS

 What is Dangerous driving conviction?

Lets see here what constitutes a driving conviction, and how you can avoid a increase in your insurance costs because of one.

What constitutes as dangerous driving?

All motoring offences determined by magistrates or at a crown court will lead to a criminal conviction and it can can be anything from causing death by dangerous driving or driving under the influence of alcohol, to speeding or failing to wear a seatbelt.

All these offences can lead to a fine, penalty points on your licence, disqualification and, in extreme cases, imprisonment.

But it’s not just the manner of your driving that can lead to convictions. You may be committing an offence if you are driving a defective vehicle, perhaps driving at night with no rear lights, or driving without insurance or a valid licence or MOT. These offences can also lead to a driving conviction.

The rules are the same, whether the person pleads guilty, or is found guilty by the court.

However, offences that are committed but dealt with by way of a fixed penalty notice, do not lead to criminal convictions. The fixed penalty notice is served because the authorities believe the offence is serious, but not serious enough to be considered by a court of law.

Here are some of the examples listed by the police as to what constitutes as dangerous driving, but not limited to:

• Speeding, racing, or driving aggressively
• Ignoring traffic lights, road signs
• Overtaking dangerously
• Driving under the influence of drink or drugs, including prescription drugs
• Driving when unfit, including having an injury, being unable to see clearly, not taking prescribed drugs, or being sleepy
• Knowing the vehicle has a dangerous fault or an unsafe load

Distractions are also causes of dangerous driving, for example:

• Using a hand-held phone or other equipment
• Reading, or looking at a map
• Talking to and looking at a passenger
• Lighting a cigarette, selecting music, tuning the radio

Do I have to declare my driving convictions?

You will need to declare your convictions, both motoring and criminal when getting a quote for an insurance policy. If you fail to do so your insurance may be invalid and your insurer may cancel the policy. 

In the event of a claim you may not be paid, and if you have already been paid for a claim and a previous conviction becomes apparent, your insurer can ask for its money back.