When you get a car insurance quote, insurers will ask about any previous claims or motoring convictions you may have. This information helps them understand your driving history and offer a quote that’s accurate for your circumstances.
Even if you’re a young driver, it’s important to declare any relevant incidents or convictions. Providing incorrect information could affect your insurance cover in the future.
Typically, you may be asked about:
- Any claims you’ve made within the last three years.
- Any motoring convictions you’ve received within the last five years.
What is a claim?
A claim is a request made to an insurance company after an insured event, such as a road traffic accident, theft or vehicle damage.
For example, if your car is damaged in an accident and you ask your insurer to help cover the repair costs, you would be making a claim.
What is a motoring conviction?
A motoring conviction is a driving offence that has been recorded against your licence. This might include speeding offences, driving without insurance, drink driving, to name a few.
Why are you asked about claims and convictions?
This information helps assess risk and calculate a fair premium.
Having a claim or conviction doesn’t necessarily mean you’ll be unable to get insurance. It simply provides a clearer picture of your driving history, helping to ensure your quote is as accurate as possible.
The most important thing is to be honest and ensure all the information you provide is correct.
Ready to get a quote?
Getting a quote is easier when you have all your information ready, including details of any claims or convictions.
At Carrot, we help young drivers get on the road with confidence. Our black box technology and Better Driver by Carrot app provide insights into your driving and can help you build safer habits over time. Drivers who achieve a good Driving Score may also have the opportunity to earn a discount at renewal.
Get a quote with Carrot today and see what cover options are available for you.