Convicted Driver Insurance

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Convicted Drivers Insurance: A Comprehensive Guide

What Is Convicted Driver Insurance?

Convicted driver insurance is a motor insurance product designed specifically for drivers with motoring/non-motoring convictions.

How To Find Insurance As A Convicted Driver

Drivers with convictions face higher insurance costs, so it pays to shop around for a competitive quote.

Compare quotes for car, van or motorbike insurance if you have any convictions, including:

  • Drink driving (DR10, DR20, DR30, DR40, DR50, DR60, DR70)
  • Driving without insurance (IN10)
  • Points or convictions for speeding (SP10, SP20, SP30, SP40, SP50)
  • Mobile phone offences (CU80)
  • Disqualification under ‘totting-up’ (TT99)
  • Banned from driving
  • Non-motoring offences

Pop your details in the form and compare quotes from specialist convicted driver insurance providers. Every day we help people like you find great quotes and make savings on their insurance.

Save money on your cover

Having convictions (both motoring and non-motoring) usually increases the cost of a policy. However, the following tips may help to bring thee costs down:

  1. Use a comparison site: save money by comparing multiple quotes in one place. This will help increase your chances of finding a better deal
  2. Do not auto-renew: loyalty is often not rewarded in the insurance industry, so make sure you compare quotes each year.
  3. Black box: consider a black box policy. Black boxes provide a certain amount of information back to the insurance provider which is why some people do not want them, however it can help lower insurance premiums if you drive safely.
  4. Reduce mileage: if your policy is too expensive, see if you can reduce your mileage or at least try and provide an accurate mileage estimate.

What You Need to Know About Convicted Driver Insurance

If you’re struggling to get an affordable quote from standard car insurance providers, you may have more luck with a specialist insurance provider. Applicants for convicted driver insurance should be aware of the following points:

  • Non-driving related convictions
    Even if your offence is not related to driving, some insurance providers will still not offer insurance.
  • Driving without insurance
    If insuring your car is proving expensive, don’t be tempted to drive without insurance – a minimum of third party cover is a legal requirement in the UK; you’re running the risk of another conviction if you don’t buy it.
  • Declaring convictions for insurance
    As tempting as it may be not to mention criminal convictions to reduce the cost, you must declare them. Failure to detail any incidents, both driving convictions and non-driving, can invalidate your insurance if you need to make a claim.
  • Spent convictions
    The good news is that most convictions will become spent at a set time in the future. Once the conviction is spent, you no longer have to declare it when purchasing insurance.

How Long Does My Conviction Stay On My License?

Certain convictions stay on your license longer than others. It is important to know the length of time that each conviction is on your license as it affects the price of your insurance.

Why Compare Insurance For Convicted Drivers?

As hard as it may be to find insurance providers to offer you convicted driver insurance at a reasonable price, it is not impossible, and we are here to help. Fill in the quote form by clicking the button below to get a quote and see what specialist insurance providers have to offer you.

Author Image - Michael Foote

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.