If you have a conviction, whether it’s for a motoring offence or other type of crime, then you might worry that getting insurance for your home and your vehicle will be more challenging. It’s certainly true that insurance providers consider people with convictions to be higher risk and that some won’t even consider insuring you if you have a criminal conviction.

That being said – there are ways around this problem and finding both home and car insurance at a reasonable price needn’t be an impossible task.

Car insurance

If you have a vehicle then car insurance is a must in order for it to be road legal. By far the best way to get car insurance when you have a conviction is to go to a specialist provider. There are many providers of car insurance for people with convictions who will take the unique circumstances of your conviction into account when calculating the cost of your policy.

Home insurance

Another thing that can be challenging to get from a mainstream provider when you have a conviction is home insurance. Luckily there are also many providers of home insurance for people with convictions so this isn’t an issue.

Why get cover online?

There are some compelling reasons to get insurance online when you have a criminal conviction. These include –

• Getting quotes easy – One of the main reasons that getting insurance online is a good idea is that it makes getting quotes incredibly easy. There are plenty of insurance comparison sites out there where all you need to do to get quotes from different providers is fill out one form.
• Tailor your policy to your exact needs – When getting cover online, you can clearly see what cover options are on the policy as well as other details. This makes it very simple to see what you want to add or take off the policy so it suits your individual needs.

Ways to save money

• Get quotes from a lot of providers – This is one of the best ways to ensure that you get the best deal on both car and home insurance.
• Pay for the policy annually – If you can afford to pay upfront then be sure to negotiate the best deal possible for the policy.
• Make security a priority – Making your home and car secure will certainly help to reduce the cost of your insurance.

Whether you have a personal collection of cars or you run a business that relies on the use of 2-5 vehicles, mini fleet insurance provides a way to insure your vehicles together in a way that’s cheap and convenient.

There are now many great places you can find mini fleet insurance online, such as https://www.cheapfleet.co.uk/ so getting a policy at a reasonable price should not be an issue.

If you’re considering getting mini fleet insurance then below are some of the biggest advantages of it.

Why consider mini fleet insurance?

• It’s cheaper – One of the most obvious benefits of mini fleet insurance is that it usually works out cheaper compared to insuring your vehicles on separate policies. The cost of a mini fleet policy will depend on various factors, including how many vehicles you’re insuring, the value of the vehicles, how secure they are and the named drivers. However in most cases a fleet policy will be cheaper.
• It’s easier – Another big benefit of mini fleet insurance is that it’s easier to manage. Having one policy for all your vehicles rather than separate policies for each means there’s less paperwork and it’s easier to make a claim.
• A great option for small business owners – If you run a small business with between 2 and 5 vehicles, whether they’re vans, cars or any other type of vehicle, then you can get them insured together under one convenient policy.

Ways to save money

• Hire reliable drivers – If you’re getting mini fleet insurance for your business then one of the best ways to save money is by hiring reliable drivers who are over the age of 25. The age of your named drivers always makes a big difference since younger drivers are much more likely to be involved in a collision statistically.
• Secure your vehicles – Making your vehicles secure is another way to cut down the cost of mini fleet insurance. The vast majority of modern vehicles come with an alarm as standard but you should also make sure the vehicles are securely parked when not in use.
• Get quotes from different insurance providers – Getting quotes from different insurance providers is easier than ever to do now and is one of the best ways you can save money on mini fleet insurance.