​What is the Best Car Insurance for Bad Driving Record 2018?

Today, even with a blemished driving record, it’s still possible to find the best car insurance for bad driving record. Lots of drivers with bad records get concerned when it comes to how they can continue getting auto insurance. Many fear that they may be unable to use their vehicle for daily travel causing them considerable stress as it could potentially impact their employment and social life.

The truth is that even when you have a bad driving record, you still need the best car insurance for bad driving record just like any good driver. If, for example, you are in the United States of America, even with a bad driving record, it is possible to get quality car insurance under what is known as SR-22 insurance.

​Getting Insurance with a Bad Driving Record

The fact is that bad driving records are quite common which can potentially make the task of buying the best car insurance for bad driving record a challenge for many drivers. Abiding by traffic laws and regulations 100% is not always an easy thing as the traffic police are ever on the lookout. Actually, what becomes trickier is not getting car insurance but that it becomes more expensive. It can also become quite tricky to find an insurer willing to cover you based on how bad the driving record is.

Whatever type of vehicle you own or drive, you need the best car insurance for bad driving record that can cover your common risks as a driver with minimal heartache. In most cases, if you recently got a major traffic violation ticket or your 3rd minor violation, insurance experts will recommend you start looking for a new insurer. This is because your current carrier will most probably either jack up your premium rates sky high or at worst refuse to renew your policy, thus effectively terminating the current relationship.

Your best option is to start looking at the high-risk insurance agencies or companies who besides offering standard packages, also deal with policies that can be deemed as non-standard auto policies as they can still give you the best car insurance for bad driving record.

1. Assurant General Insurance Limited

It is an acknowledged fact that one of the biggest challenges faced by drivers today is finding the best car insurance for bad driving record. Good car insurance protection plans ensure your car remains insured and covered no matter your record. They also give you coverage against the shock that comes from unexpected repair bills or huge claims against you.

In today’s stressful world, escaping the occasional ticket is inevitable but when these accumulate, you may find it challenging to get an insurer willing to cover you. This is when an insurance company like Assurant comes to the rescue with their comprehensive insurance package.

Comprehensive Protection – Manufacturer’s warranties are certainly great, but the kind of protection they offer is limited as they come with a short shelf life. An Assurant vehicle protection plan is considered among the best car insurance for bad driving record as it offers you comprehensive coverage against what is not protected by your warranty. It also protects your car for much longer compared to a warranty. Additionally, you can get benefits such as roadside assistance.

Breakdown Support - Without your car even just one day, life can be hard. You most likely depend on it for lots of activities like going to work, taking children to school, shopping for groceries and going out. That’s the reason why Assurant wants to help you get back on the road fast following a car break down. With the Assurant breakdown package, you can also get assistance with the repair bill.

Vehicle Service Contract – Also known as Vehicle Protection Plan, it supplements the manufacturer's warranty in specific areas while extending it to others. It assists in protecting you from costly repair bills as well as in offering a range of extra services and benefits.

 Assurant is an international leader when it comes to protecting your daily lifestyle, ensuring that everything continues to run without hitches. From mobile devices to major appliances, computers to cars, from preneed plans to payment protection, from in-home service to technical support, Assurant brings more confidence to your risky world by giving you the best car insurance for bad driving record.

2. Axa Insurance Ltd

Axa is rated as one of the best car insurance for bad driving record. This is largely because they insure all drivers ranging from the experienced to the beginners. You can choose from 3 different levels of cover that are available from Axa Insurance: Comprehensive, 3rd Party Only or 3rd Party Theft & Fire.

No matter the option you pick or whether you are seeking the best car insurance for bad driving record, you will be happy with the following Axa Insurance features:

  • Option for monthly payment.
  • Claim helpline available 24-hours.
  • Local 24/7/365 customer support.
  • Online access to your personal portal.

Uninsured Driver Promise – This enables you to claim without blame – Axa doesn’t believe that you should get penalized for something not of your doing. So, in case your car gets hit by another uninsured driver, you will not end up losing your No Claims Discount.

Accident forgiveness – An Axa stepback that ensures you don’t lose your full No Claims Discount in case you are involved in an accident, or in the event of someone lodging a claim against you.

Drive Other Cars – Every now and then, you may have to borrow a car from a family member or friend. Axa Insurance covers you to drive such cars so long as it’s done with the permission of their owners.

Discounts – On offer are several discounts designed to help you keep the cost of insurance down.

  • No Claims Discount (75%) if you manage six consecutive years as a named driver.
  • When you use the Axa DriveSave app, you get a 20% discount as well as earning additional 5% cash back during the safe driving year.
  • Student car insurance (20%).
  • Get 10% when you get an online quote.
  • Bundle & Save 10% discount if someone within your household also takes a policy from AXA.

Being with this reputable international insurance provider comes with many benefits such as getting the best car insurance for bad driving record. Other perks include being insured to drive within EU-approved countries for up to 31 days.

3. Zurich Assurance Ltd

Getting your car insurance is relatively straightforward but when it comes to securing the best car insurance for bad driving record things can get tricky. If you are seeking an insurance cover that suits your driving habits, then Zurich Assurance has something for you. They appreciate that customer needs vary and that is why they have designed insurance services and products that are different. Their financial services and insurance products are only provided by authorized and licensed Zurich Insurance Group (Zurich).

Getting your car insurance is relatively straightforward but when it comes to securing the best car insurance for bad driving record things can get tricky. If you are seeking an insurance cover that suits your driving habits, then Zurich Assurance has something for you. They appreciate that customer needs vary and that is why they have designed insurance services and products that are different. Their financial services and insurance products are only provided by authorized and licensed Zurich Insurance Group (Zurich).

Whether yours is a 4x4, an estate or a hatchback, your car needs the best possible protection and even more so if you have a bad driving record. From basic insurance to a vast range of optional add-ons, the Zurich car insurance policies allow you to customize them to cover your individual needs.

Zurich Assurance Ltd is regulated by both the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA) and is always there when you need them most. Their insurance products are characterized by:

Fair, fast, and convenient service

24-hour support

Bills are settled directly with recommended repairers.

This is rated by many as one of the best car insurance for bad driving record as you can tailor it suit your specific car or needs to ensure that you actually get the right protection. Features include:

  • Even if hit by a driver who is uninsured, no excess pay for you.
  • Guaranteed three years repair at Zurich approved garages.
  • Courtesy car when using approved garages.
  • 24-hour helpline & customer service call centres in the UK.

When you truly care for loved ones or assets like cars, you want the best protection possible for them. But alone it’s not possible and that is why you need a reliable partner like Zurich Assurance Ltd. The goal of Zurich is to ensure you get the best car insurance for bad driving record.

​4. ​Allianz ​Insurance Plc.

Without a shred of doubt, the best car insurance for bad driving record is comprehensive insurance cover. The Allianz comprehensive insurance cover not only provides your car with coverage but also protects cars owned by others as well as their property. It also covers your car for accidental damage even if you are the one at fault.

Comprehensive covers your car for damage if you are not at fault or the other car is uninsured during an accident. You are also protected for accidental car damage caused by fire or loss through theft, hail, storm, flood, cyclone or bushfire. However, for bushfire, flood or cyclone caused damage a 72 hour waiting period is applicable. You also qualify for reasonable towing costs in the event of a covered accident

Comprehensive Car Policy Add-ons include:

  • Accidental damage coverage for property owned by other people (including vehicles) which is fully or partly your fault.
  • Legal costs from a liability claim covered by your own policy.
  • Legal liability coverage when you are using a substitute car while yours is being serviced or repaired (excludes hired vehicles)
  • Authorized repairs guarantee.
  • Rental car after theft ($100 daily limit, maximum 21 days)

Clear Private Car – This facility is only available through approved Allianz brokers and has been finely tuned with the goal of giving you fully comprehensive coverage that comes with extra benefits:

Coverage for accidental mis-fuelling plus any resulting engine damage – to get you back on the road faster.

Local cosmetic vehicle damage repair – they send a team to your workplace or home to save you time and the trouble.

Repairer courtesy car sent to you at the earliest possible.

Personal belongings cover (£300) – helps you in replacing personal items in case they get damaged by fire, an accident or theft.

Coverage for non-manufacturer audio plus Satnav equipment (£750) to get you going again fast through gadgets replacement.

Rated among the best car insurance for bad driving record providers, as standard, Allianz Insurance provides legal advice helpline –24/7/365 for any legal matter.