Convicted Driver Insurance

Affordable insurance with convictions & penalty points

• All motoring convictions covered
• All levels of cover including third party, third party fire & theft and fully comprehensive
• Affordable insurance policies for convicted drivers with flexible payment options

Compare cover for your car, van or motorcycle today and see how much your could save

Insurance for convicted drivers

If you are a convicted driver that has been convicted of a criminal offence or a motoring offence and you have penalty points on your driving licence, the price you pay for your motor insurance can rise considerably.

Some insurance companies simply refuse to insure people with certain convictions as they class them as too much of a risk, other insurance companies set insurance premiums that high, it makes it virtually impossible to purchase affordable insurance cover from them.

Convicted drivers that have penalty points, driving licence endorsements, criminal convictions or have served a driving ban don't necessarily have to pay extortionate prices for their motor insurance! Compare convicted driver insurance today!

If you are looking to insure a car, van or motorbike and you have any type of conviction then we can help you find affordable insurance cover for your vehicle, regardless of your history.

How does a conviction affect insurance premiums?

Motor insurance premiums are calculated based on the risk posed to the insurer and drivers with convictions are classed as a higher risk than drivers without convictions, this inevitably leads to an increase in insurance premiums on a like for like basis for drivers with convictions.

This does not mean that convicted drivers are bad drivers, it is just how the motor insurance industry operates. Fortunately there are insurance companies who specialise in providing non-standard high risk insurance policies to drivers with convictions. These insurance companies spread the overall potential cost of risk across the many drivers they insure who are classed as 'higher risk' which in turn results in cheaper premiums for all drivers with convictions that they insure.

In comparison, insurance companies who specialise in standard cover for low or average risk drivers will typically provide affordable insurance coverage to those drivers who are not classed as 'high risk' and substantially load the premiums payable for drivers who are classed as 'high risk'.

This is why it pays for drivers with convictions to shop around and compare quotes from many insurers, especially insurers who specialise in providing insurance coverage to non standard higher risk drivers with convictions.

What convictions do I need to declare to insurers?

'Unspent' convictions must be disclosed to insurance companies when required to do so.

'Spent' convictions do not have to be disclosed to insurance companies and while insurance companies can ask open ended questions about all convictions, both 'spent' and 'unspent', the proposer (the person looking to obtain insurance) can legally state that 'spent' convictions do not exist and they do not have to disclose them.

If a 'spent' conviction is disclosed, the insurance company has a statutory obligation to ignore it and will commit an offence if they do not ignore it and they take it into account when calculating the insurance premium.

Legislation regarding convictions and when they become 'spent' is laid out in the Rehabilitation of Offenders Act 1974. More information can also be found here.

When does a driving licence endorsement become 'spent'?

A driving licence endorsement for a road traffic offence listed in Schedule 2 of the Road Traffic Offenders Act 1988 imposed by either a court or a fixed penalty notice is classed as a conviction with a rehabilitation period of 5 years (2.5 years if the offender is under 18 years of age).

Insurance Underwriting

The insurers we work with have extensive experience and specialise in underwriting insurance policies for drivers with convictions who are classed as a higher risk.

What may be the cheapest policy with a certain insurance company for one person, may not be the cheapest policy for another person with the same insurance company. Many factors go towards calculating the cost of insurance policies and each insurance company will have their own way of calculating insurance premiums commonly referred to as 'risk selection and analysis criteria'.

Insurance underwriting is a method which involves insurers evaluating the risk posed from potential clients, the clients being drivers in the case of motor insurance. The risk to the insurer being how likely it is that they will lose money (pay out in the event of a claim).

Insurance underwriters decide whether or not to accept the risk at all, and if they are willing to accept the risk they calculate the premium that the client (the insured) is required to pay in order for them to accept the risk and provide insurance cover to the client.

Each insurance company has their own set of underwriting guidelines that they use to a) assess the risk and determine whether or not they will accept the risk and b) to calculate the cost to the client (the premium).

The concept which underpins the majority of insurance coverage, particularly the motor insurance sector, is that the premiums paid by many, covers the cost of losses from a few.

Many insurance companies focus on particular target markets and specific customer profiles only, such as mature drivers, young drivers, female drivers or convicted drivers.

This and the fact that each insurer has their own underwriting guidelines is why there are vast differences between prices for insurance coverage from one company to another.

It does pay to shop around and compare quotes, especially as a convicted driver. You are likely to find cheaper insurance with a company who specialises in insuring drivers with convictions, this is because drivers with convictions are their target market.

Driving Licence Endorsement Codes

There are many driving convictions that can go towards increasing the price a person must pay for their motor car insurance. Drink driving, driving whilst banned, driving a vehicle with no insurance and speeding are common convicted driver offences.

If a driver has been convicted of a driving offence and has received endorsements on their drivers licence, the endorsements will remain on their driving licence for a minimum period of time depending on the driving offence. See below for a list of driving offences and driving licence endorsement codes.

Driving Conviction Codes