Why is convicted drivers insurance so expensive?

There are a variety of reasons why car insurance is higher for convicted drivers. From a risk point of view, the view often taken is that if you are more likely to break the law, then you are also more likely to have a claim. Of course, if you have convictions on your driver licence, but also have a good 5 years of claim free driving, then it will show an insurer that the standard stereotype will...

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