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Why do CCJs impact your car insurance?

There are many reasons why you might have a CCJ (County Court Judgment) issued against you, but in our experience, a high proportion are related to parking tickets. You can read more on parking ticket horror stories [Link].

Consumers usually feel the impact of a CCJ when they apply for a mortgage, credit card or loan, but they can also impact your ability to get car insurance. This is especially frustrating as the cost of insurance has gone up significantly over the last few years. The reason why a CCJ can impact your car insurance is that insurance companies will usually carry out a credit check on you when you apply, and a CCJ will be visible in your credit report. In fact it will stay there for six years unless remediation action is taken.

When insurers are considering how much your insurance will cost they take into account many factors. Some of these are obvious, and known to you, such as your age, where your car is parked in the evening and if you have any penalty points on your license. I say these are obvious because we’re usually aware of them: when we get a speeding ticket and penalty points we’ll be acutely aware of how that can impact our insurance, but having a CCJ isn’t as obvious and is often a surprise when it comes to renewing your insurance. 

Car insurance costs have increased, putting pressure on households that are having to deal with increased costs across the board. I’ve helped thousands of people remove CCJs from their credit files. Give myself and my team a call and we’ll be able to advise you. 

Luke Memory F.Inst.Pa, Director of External Affairs at CCJ Removal Services CIC

The reason why CCJs impact your car insurance is that insurers consider multiple factors when issuing a quote. This can impact the price, but also whether they want to insure you at all. Having a CCJ on your credit file could be a flag to insurers that you are more likely to be a risky driver and, therefore that they have to charge you more to cover that risk.

If you are already in a higher-risk insurance category (such as being a young driver, or having penalty points on your license) then having a CCJ can be just one more factor that increases the price of your car insurance.

There are insurers who offer specialist products for people with CCJs, although the providers tend to be smaller and whenever you consider a financial product specifically aimed at a section of the market who have poor credit then you would usually expect to pay a premium for this. 

What to do if you have a CCJ related to a parking fine:

  • Assess the CCJ: Get professional advice on the CCJ on your credit report. Find out from a professional if the CCJ can be removed from your file.
  • Appoint a CCJ Removal expert: It’s possible to remove a CCJ yourself, however it is not an easy process. In our opinion, it’s better to appoint an expert who has been through the process many times. It not only reduces the likelihood of mistakes being made, but it’s also faster.
  • Plan for your upcoming renewal, and your next one: It can take time to remove a CCJ, so that means that unless your renewal date is many months in the future you will need to get your car insured to keep on using it, unless you can temporarily mark it as off-road using a SORN. However, it is always best to tackle a CCJ as soon as possible, even if the impact won’t be felt until the renewal point after your next one.
If you need help with your CCJ, please reach out to us.
You can call our team on 0161 711 1300 to get a free review of your CCJ.

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*Free Review/Case Assessment Terms
To provide a Free Case Assessment we will use our best endeavours to assess your case. Solely based on the information provided by you in our initial call we will try to establish if you have legal grounds to ask the court to Set Aside your Judgment (remove a CCJ). However, there are occasions where a case can be too complex or of too high value for us to do this and in such circumstances, we will advise that we can instruct a fully qualified Barrister to provide a written legal opinion at a fixed upfront cost. This is an essential component of our service as we are licensed by the Bar Standards Board and this enables us to provide clients with access to high quality professional legal advice at a reasonable cost. In such cases the Barristers opinion becomes your property, and you are not obliged to continue with any further services from CCJ Removal Services C.I.C.. The Barristers opinion will be offered to ensure that we are always giving clients the best advice from the first enquiry that they have made with CCJ Removal Services C.I.C.. There may also be circumstances where we have provided a Free Case Assessment and further information about the case is discovered after we have started the work. This also may dictate that we must then instruct a Barrister to provide a written legal opinion to ensure that you are taking the correct course of action and to protect you from becoming liable for the claimants costs.

CCJ Removal Services C.I.C.

Company Registration Number: 14104820
Registered Office:16 Upper Woburn Place, London, Greater London, WC1H 0AF

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CCJ Removal Services C.I.C Registration number 14104820 are a Not for Profit, Community Interest Company, we are not solicitors and we are not regulated by the Solicitors Regulation Authority (SRA). We are regulated by the Office of the Regulator of Community Interest Companies .We are members of the Institute of Paralegals (IOP) and the Civil Mediation Council (CMC). We hold Professional Indemnity Insurance of £1M and we are Licensed by the Bar Standards Board (BSB) to Instruct Barristers. We can assist clients in the process of removing a CCJ and can assist you in dealing with the claimant and the court service on your behalf. Our team is made up of either qualified or experienced paralegals who we employ as case workers. . You will remain a Litigant in Person (LIP) throughout your case. We can arrange Court representation for you via a Regulated third party court advocacy provider, Barristers Chambers or a Barrister directly. We can assist you to complete court paperwork, and assist you to draft legal documents. We will advise and guide you through the court process. We pride ourselves on providing an excellent service at an affordable cost and we will always do our best to exceed clients expectations. You cannot make a complaint about us to the Law Society, The Legal Ombudsman or the SRA as we are not regulated and fall outside of their jurisdiction. You can complain about a Regulated Barrister to the Bar Standards Board (BSB), if you are unhappy with the service that they have provided. If you have any questions about our service and how we work we welcome you to contact us so we can explain in full and email you full details of our services. Any complaints about our service would need to be referred to the Office of the Regulator of Community Interest Companies However we will do all we can to resolve any complaints before this becomes necessary.