What is Convicted Driver Insurance?
Convicted driver insurance is a specialised form of car insurance designed for drivers with driving convictions, criminal convictions or a significant number of points on their licence. This type of insurance policy can be tailored to your specific needs much like traditional car insurance. A convicted driver insurance specialist can assist drivers with unspent driving convictions by offering tailored policies that cater to their specific needs and circumstances.
Car insurance for convicted drivers takes into consideration all driving offences, a motoring conviction, a driving ban as well as any good driving characteristics.
Finding cheaper car insurance with a bad driving record can be difficult. That is why we use a panel of specialist brokers to help motorists keep their car insurance premiums down.
How our process works
We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.
How Convictions Affect Car Insurance
Having a conviction can significantly impact your car insurance premiums. Insurance providers view convicted drivers as higher risk than motorists with clean driving records, which can lead to increased premiums. The type and severity of the conviction can also affect the cost of your car insurance. For example, a drink driving conviction (DR10) is considered a more serious offense than a speeding conviction (SP30), and therefore may result in higher premiums.
In addition to the type of conviction, the number of points on your license can also impact your car insurance premiums. If you have accumulated multiple points, you may be considered a higher risk driver, which can lead to increased premiums. Furthermore, if you have been banned from driving, you may struggle to find car insurance at all, and if you do, it may be very expensive.
It’s essential to note that not all convictions are created equal, and some may have a more significant impact on your car insurance premiums than others. For example, a conviction for careless driving (CD10) may be viewed as less serious than a conviction for dangerous driving (DD10).
Types of Convictions That Affect Car Insurance
There are many types of convictions that can affect your car insurance premiums. Some of the most common include:
- Drink driving convictions (DR10)
- Speeding convictions (SP30)
- Careless driving convictions (CD10)
- Dangerous driving convictions (DD10)
- Driving without insurance convictions (IN10)
- Totting up ban convictions
Each of these convictions can have a different impact on your car insurance premiums, and some may be viewed as more serious than others. It’s essential to disclose all convictions to your insurance provider, as failing to do so can invalidate your policy.
Can I Get Car Insurance With A Driving Conviction?
Yes, you can get car or van insurance with a single, or multiple driving convictions.
It’s important to note that having a driving conviction may affect the cost and availability of insurance cover, so it’s recommended you compare driving conviction insurance policies to make sure you get the best possible deal. However, engaging in insurance fraud, such as ‘fronting’ or concealing criminal convictions, can lead to policy cancellation and potential criminal charges.
There are several types of driving convictions, including:
- Dangerous or reckless driving
- Drink driving or driving under the influence of drugs
- Speeding or exceeding the speed limit
- Careless or inconsiderate driving
- Failing to stop after an accident
- Driving without insurance
- Using a mobile phone while driving
- Failing to comply with traffic signals or signs
- Failure to wear a seatbelt
- Driving without due care and attention.
These are just some of the most common types of driving convictions in the UK. It’s important to note that any driving conviction, regardless of its severity, can have an impact on your insurance coverage and premium.
Can I Get Business Insurance With A Driving Conviction
It is possible to get business use car insurance with a driving conviction. However, having a driving conviction may affect the cost and availability of business use.
Insurance companies consider a variety of factors when determining the cost of business use, including the type and severity of the driving conviction, the length of time since the conviction occurred, and the type of business being insured.
It’s important to disclose all relevant information about your driving conviction when applying for insurance, as failure to do so may result in your policy being voided.
Can I Be Added To Fleet Insurance With A Driving Conviction
You can be added to a fleet insurance policy with a driving conviction.
You should always disclose all information about your driving conviction when applying for fleet insurance, as failure to do so may result in your policy being voided.
Convicted Driver Insurance For HGVs
Convicted driver insurance for Heavy Goods Vehicles (HGVs) is a type of insurance policy specifically designed for drivers with a driving conviction who operate HGVs. These policies take into account the unique needs and circumstances of HGV drivers with convictions, and can provide coverage for the operation of HGVs despite a driving conviction.
Having a driving conviction will almost certainly impact the cost and availability of insurance policies because the nature of the vehicles poses a greater risk.
What Is The Average Cost Of Convicted Driver Insurance?
The average cost of car insurance for convicted drivers varies and is dependent on a variety of factors, including:
- The type and severity of the driving conviction
- The length of time since the conviction occurred
- The driver’s age and location
- The type of vehicle being insured
- The amount of coverage desired
As a result, it’s difficult to provide an accurate estimate of the average cost of convicted driver quote. However, it’s important to note that having a driving conviction can significantly increase the cost of insurance compared to a standard policy.
It’s also important to shop around and compare quotes from different insurance providers to find the best cover at the most competitive price.
A specialist insurance broker with experience in high conviction car insurance may be able to help you find cheap convicted driver car insurance.
How Can I Save On Insurance For Convicted Driving?
There are several steps you can take to save on convicted driving insurance. Motoring convictions can significantly impact your insurance premiums, making it crucial to find affordable coverage despite the increased risks associated with such convictions.
It’s important to keep in mind that the cost of convicted driver insurance can still be higher than a standard policy, even with these savings measures in place. However, taking these steps can help to reduce the cost of cover and ensure that you are getting the best value for your money.
National Driving Offender Retraining Scheme (NDORS)
The National Driving Offender Retraining Scheme (NDORS) is a training course offered to drivers who commit road traffic offenses. The course is designed to educate drivers about road safety and help them become better drivers.
Completing the NDORS course can have several benefits, including:
- Reduced car insurance premiums
- Fewer penalty points on your license
- Improved road safety skills
The NDORS course is available to drivers who have committed certain road traffic offenses, including speeding and careless driving. If you have been offered the opportunity to complete the course, it’s essential to take it, as it can have a positive impact on your car insurance premiums and road safety skills.
Specialist Schemes for Convicted Drivers
If you have a conviction, you may struggle to find car insurance at all, or you may be quoted very high premiums. However, there are specialist schemes available for convicted drivers that can provide more affordable car insurance. These schemes are designed specifically for drivers with convictions and can offer more competitive premiums than standard car insurance policies.
Specialist schemes for convicted drivers may include:
- Convicted driver car insurance policies
- High-risk driver insurance policies
- Specialist broker schemes
These schemes can provide more affordable car insurance for convicted drivers, but it’s essential to shop around and compare quotes from multiple providers to find the best deal.
What to Do If You’re Refused Cover
If you have a conviction, you may be refused car insurance cover by some providers. However, this doesn’t mean that you can’t get car insurance at all. There are specialist providers and brokers that can help you find car insurance, even with a conviction.
If you’re refused cover, you should:
- Shop around and compare quotes from multiple providers
- Consider specialist schemes for convicted drivers
- Contact a specialist broker who can help you find car insurance
It’s essential to remember that having a conviction doesn’t mean that you can’t get car insurance. There are options available, and with the right help, you can find a policy that meets your needs.
Frequently Asked Questions
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