Carlisle taxi insurance companies have to take a lot of things into account to decide the quote being offered, with driving history being one of the most important considerations. But just how much impact will driving history have?
Well, driving history will have an enormous impact when it comes to getting taxi insurance Carlisle, even more so if your history is less than perfect. If you’ve had to make claims in the past, such as if you’ve had an accident on the way to the Citadel, then you’ll usually have to pay higher premiums so insurers can account for the increased likelihood of further claims. But, you usually only have to declare any claims that you’ve had in the past 5 years, and after that time your slate will be wiped clean.
However, your overall driving history (including criminal convictions) doesn’t have such a time limit. You’ll often need to declare any driving convictions that you’ve ever had no matter how long ago they were, even if the points have since been removed from your licence. The Carlisle taxi insurance company needs to prepare themselves for the possibility that they’ll have to pay out for future claims or expenses following convictions, so unfortunately convictions are something you won’t so easily be able to escape from.
Then there’s the fact that if you’ve had too many claims or convictions then getting adequate Carlisle taxi insurance will be incredibly difficult, as insurers will be reluctant to cover such high-risk individuals. If you do manage to find cover you’ll usually have to pay incredibly high rates, so bear that in mind when you’re searching.
So, driving history really can be incredibly important when it comes to getting Carlisle taxi insurance quotes, so always remember to drive safely if you want to be able to get affordable and sufficient cover.
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