Having a criminal record and getting bike insurance is quite difficult. You are considered a high-risk rider to the insurers, so it costs a lot and narrows the selection. Worry not—getting good insurance despite this is still possible. You must understand how this influences your insurance costs if you've been charged with DUI, reckless driving, or other traffic offences.

This guide will include tips on handling increased premiums, saving and making smart decisions regarding convicted bike insurance.

Finding a bike insurance policy is hard for riders who have a conviction. It's also expensive because insurers see them as high-risk. Convictions like DUI, reckless driving, hit-and-run, and driving without insurance can raise your insurance costs. In some cases, insurers may even refuse to cover you.

Though they do not insure convicted riders, some insurance companies have high-risk driver policies. They cost more than others but provide coverage and legality. Sometimes, the convicted rider has no choice but to opt for third-party cover. It is the minimum legal protection, excluding personal injuries and theft.

Getting bike insurance following a conviction is challenging since insurance firms perceive you as a riskier individual. But with some effort, you can get insurance that meets the legal requirements and charges reasonably. The tips provided below can assist you in obtaining bike insurance following a conviction:

Compare Multiple Insurers

Various insurers see risk differently. Some will give a reasonable quote, while others will charge more or refuse coverage. Comparing more than one company allows for greater value and less expensive policies.

Look for Specialised Providers

Some providers specialise in high-risk riders. They offer policies that suit your requirements and can provide lower premiums. Good riding behaviour will lead to better assessments and lower costs.

Opt for Third-Party Coverage

Choose third-party coverage if you are the type to purchase excess insurance. It won't repair your bike, but it will repair damage caused to others. It is the bare minimum accepted by Indian law and is easier for high-risk drivers to get.

Consider Telematics Insurance

Telematics insurance uses GPS or smartphone apps to track riding habits. The collected data influences premium amounts, potentially lowering costs for safe riders. This ensures fair pricing based on real riding behaviour.

Disclose All Convictions

Hiding convictions can lead to policy cancellations or claim denials. Full disclosure prevents legal issues and ensures claims are approved. Honesty helps secure long-term, reliable insurance coverage.

While there is a gap in coverage, getting additional coverage becomes more difficult and expensive. Having an insurance policy, regardless of how expensive the premiums are, continuously shows responsibility for the long term and may adjust to having favourable, lower rates. 

In addition, no violations and record improvement enable insurers to view you as less of a risk.

• Gaps in coverage make insurers see you as unreliable. This can lead to rejections or higher premiums when you apply for a new policy.
• No matter the reason, insurers may label you as a high-risk rider. This often results in much higher insurance costs.
• Riding without insurance is illegal in many places. Keeping your coverage active helps avoid fines, penalties, or legal trouble.
• A clean insurance history and a good riding record improve your chances of getting better rates and policy options.

While bikers with a criminal record are charged the most for insurance premiums, there are many ways in which they can cut down these premiums.

Take Defensive Riding Courses

Most insurers discount riders who take certified defensive riding courses. These courses improve your road sense, hazard perception, and riding skills.

Increase Voluntary Deductibles

A deductible is the value of the claim you pay before your insurance pays the rest. You can raise your voluntary deductible, thus reducing your premium charges significantly.

Improve Your Credit Score

Some insurers check your credit score when deciding your insurance premium. A good credit score shows you are responsible. It can help you get lower insurance rates.

Maintain a Clean Driving Record

Your driving behaviour will determine Future insurance premiums after a conviction. Avoid subsequent offences to prove to insurers that you are not as big a risk. This will reduce your premiums in the long run.

Choose a Low-Risk Bike

Your bike model significantly influences insurance costs. High-performance motorcycles usually have higher premiums. They are also more likely to be stolen, damaged, or involved in accidents.

Consider Telematics Insurance (Usage-Based Insurance)

Some insurers offer policies based on telematics, which are also referred to as "pay-as-you-ride" insurance. Premiums are calculated based on actual on-road driving behaviour.

Compare Multiple Insurers Before Buying a Policy

Not all insurers are created equal when it comes to dealing with convictions. Certain insurers cover high-risk riders and provide more favourable rates than traditional insurers.