Convicted Driver Insurance

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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.

Compare Convicted Driver Insurance Quotes

We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

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What our Comparison Expert Says

‘Insurance for convicted drivers can be a troubling area for many with convictions especially if major convictions. Don’t panic though, our team of agents will look at the cover you need and connect you with the brokers who can help you the most’.

‘It’s crucial to compare quotes to find the cheapest car insurance, ensuring you secure the most affordable rates available.’

- Michael Tribe

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.

Complete Our Quick Quote Form

Provide us with a small amount of information on our quick and easy form. If you don’t want to fill out our form, simply give us a call instead and 1 of our agents will do it for you!

Specialist Brokers Are Compared

We look at your individual needs and find you brokers who can save you the most and offer you the best value for money.

You Receive Convicted Driver Insurance Quotes

You’ll receive multiple quotes tailored specifically to your own insurance needs.

You Save Money

Once you have all the quotes you’d like, you pick the right policy for you at the best price.

Get a Quick Quote

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.

Compare quotes

Always compare quotes from multiple insurance providers to find the best cover at the most competitive price.

Choose a high excess

Opting for a higher excess can lower your insurance premium. However, be sure that you can afford the excess if you need to make a claim.

Improve your driving record

If possible, work to improve your driving record by avoiding further convictions and points on your licence.

Consider a black box policy

A black box insurance policy, also known as telematics insurance, can offer lower premiums by tracking your driving habits and rewarding safe driving. For convicted drivers this can be a great way to save on a policy.

Combine your insurance

Consider combining your insurance policies, such as car and home insurance, with the same provider. This can help you benefit from possible multi-policy discounts.

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

How Long Do I Need To Declare A Driving Conviction For?

In the UK, you are usually required to declare a driving conviction for a minimum of five years from the date of the conviction. After five years, the conviction becomes “spent” under the Rehabilitation of Offenders Act 1974 and is no longer considered relevant for the purposes of insurance.

However, some insurance providers may still ask about convictions that are more than five years old. Those with a TT99 will often need to declare for longer due to the repeat offending nature.

It’s important to check with your insurance provider to determine how long you need to declare a driving conviction for. It’s also important to be honest about your driving history when applying for insurance, as failure to disclose relevant information could result in your policy being invalid.

Do I Need To Tell An Insurer About A Driving Conviction?

Yes, you are required to disclose any driving convictions to your insurance provider when applying for a policy or renewing your existing coverage. Failure to disclose relevant information about your driving history could result in your policy being voided or your claim being rejected.

In the UK, insurance companies use a database called the Claims and Underwriting Exchange (CUE) to access information about an individual’s driving history, including any convictions, so it is important to be honest about your driving record.

It’s recommended to disclose all relevant information about your driving conviction, even if it seems minor or has happened a long time ago, as the insurer may still consider it when determining your insurance premium and coverage.

If you are unsure about what to disclose, it may be helpful to consult a specialist insurance broker who has experience helping drivers with convictions secure insurance coverage

What happens once the endorsement drops off my licence?

If the conviction has passed its live period (usually five years), your conviction is generally regarded as “spent”, and no longer needs to be declared.

It doesn’t matter if your card is marked due to speeding, going through a red traffic light, intoxicated driving, or due to a ban – at Total Insurance, we can help get you back on the road with a specialist car insurance policy help for convicted drivers.

Will I be judged for having points?

No! No insurance company should judge you for having points. We offer a free and impartial comparison service where you will not be judged regardless of the points or convictions you have.

Can I lower the cost of my insurance with penalty points?

If you have points on your licence, like any policy, the best way to save money is to compare and shop around. If you just have 3 speeding points, you can still apply for simple car insurance. If you drive a van, you may want to consider convicted van insurance as a way of reducing your policy.

If you have a TT99 conviction, it can be harder to find insurance due to the larger number of points you will have gained. That said, we do help many people find TT99 Insurance and sensible prices.

Does my level of cover affect penalty points?

No, regardless of your chosen level of cover (comprehensive, third party, third party fire and theft), your policy cost will increase. You could opt to have a lower lever of cover but it is unlikely to change the cost of your policy.

How much is my insurance likely to increase with points?

Points will always have an affect and will cause an increase on your policy. That said, if you have no other convictions and no claims on your licence, then assuming you get a simple 3 points for speeding, it is unlikely to increase much.

If however, you have already got 6 points for speeding and then gain more points for dangerous driving, then it is likely your premium will increase considerably. If you have that many points, you may want to consider a specialist convicted driver insurance policy.

Surveys have shown that a 3 point penalty can increase your premium by around 5%. A repeat offence or increase of points to 6 points can increase you premium by as much as 25%.

When premiums are calculated by the insurer, they take into account a number of other factors. These include your age, job, vehicle use, claims, location and more. If you score well on all areas but have 6 points, it’s unlikely your policy will be to horribly priced.

How much does penalty points affect your insurance?

At some point or other, most of us have received a speeding ticket or picked up points somewhere along the line. We never intentionally aim to get the points but they are often part in parcel of driving. What affect do they really have on our insurance though?

According to the Department for Transport, more than 2.6 million UK drivers hold penalty points on their licence. All these drivers will be paying an extra premium of various natures for their car insurance.

Who can we find convicted driver cover for?

We can help find anyone an insurance quote that has some form of conviction.

Working with specialist insurance companies, we are able to find policies for those who have been disqualified from driving, involved in an accident, found driving without insurance, caught drink driving or anyone with a number of motoring convictions.

Can we find insurance for banned or disqualified drivers?

Although it is not possible to get a quote whilst actively serving a ban or driving disqualification, we can find you banned driver insurance once your ban is spent. The moment you gain your licence back, we can start the process of finding you convicted drivers insurance!