Convicted Driver Insurance

Could you Save Money when you Compare Convicted Driver Insurance Quotes with Total Insurance?

  • Cheap Convicted Driver Insurance Quotes

  • Flexible & Pay Monthly Schemes

  • Compare Several Specialist UK Brokers

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What is Convicted Driver Insurance?

Convicted Driver Insurance is a specialised form of insurance designed to meet the needs of 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.

Car insurance for convicted drivers takes into consideration all driving offences, an upsent conviction, a driving ban as well as any good driving characteristics.

Finding cheap 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.

Convicted Driver Insurance

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’.

- 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.

Can I Get Car Insurance With A Driving Conviction?

Yes, you can get car or van insurance with a driving conviction in the UK.

Convicted driver insurance is a type of insurance policy designed specifically for drivers with driving convictions, criminal convictions, or a significant number of points on their licence.

It’s important to note that having a driving conviction may affect the cost and availability of insurance coverage, so it’s recommended you compare driving conviction insurance policies to make sure you get the best possible deal.

In the UK, 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 insurance with a driving conviction in the UK. However, having a driving conviction may affect the cost and availability of business insurance coverage.

Insurance companies consider a variety of factors when determining the cost of business insurance, 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 business 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 in the UK. However, having a driving conviction may impact the cost and availability of fleet insurance coverage.

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 convicted driver insurance 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 insurance. 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 coverage at the most competitive price.

A specialist insurance broker who has experience helping drivers with convictions secure insurance coverage may be able to assist you in finding the best coverage for your needs and budget.

How Can I Save On Insurance For Convicted Driving?

There are several steps you can take to save on convicted driving insurance.

Compare quotes

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

Choose a high excess

Opting for a higher excess can lower your insurance premiums, but 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.

Bundle your insurance

Consider bundling your insurance policies, such as car and home insurance, with the same provider to take advantage of 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 coverage and ensure that you are getting the best value for your money.

Frequently Asked Questions

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, and some convictions, such as those for dangerous driving, may need to be declared indefinitely.

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.

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

If the conviction has passed its live period (usually three years), your conviction is generally regarded as “spent”, and no longer needs to be declared. However, any insurer is allowed to ask you specifically if you have had any spent convictions in the last five or six years, and in that case, you must declare them.

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 insurance policy help for convicted drivers.

All convictions come with a time period attached to them, which should be made clear to you by whoever made the conviction. Points on your license are currently valid for three years, but remain printed on your record for a further year, unless you’re told otherwise. After the four years, they disappear entirely from your license.

You must give details of your convictions when you apply for a policy. It is up to the insurer if or how they take this into account. Withholding the information is an offence in itself.

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.

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.

No, regardless of your chosen level of cover (comprehensive, third party, third party fire and theft), your policy cost will increase. You could chose to have a lower lever of cover but it is unlikely to change the cost of your policy much as you will still be considered a slightly higher risk driver.

The length of time which the points stay on your licence depends on what they are for. Speeding point will stay on your licence for around 4 years. Dangerous driving points though will stay on a little longer as will drink or drug driving points. If you have been caught drink driving, then a specialist drink drivers insurance policy may be better suited to you.

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.

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.

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

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

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

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