Car insurance
Convicted Drivers Insurance
car cover for drivers with motoring convictions, penalty points or a past disqualification
Car cover for drivers with motoring convictions or a past ban, usually from specialist insurers. Declaring every unspent conviction, for every driver, matters as much as the price you end up paying.
- Points, bans and past offences
- Specialist insurers
- Rebuilding your record
- FCA authorised and regulated
Quick answerConvicted drivers insurance is car cover for drivers with motoring convictions, penalty points or a past disqualification. Mainstream insurers can load the price or decline, so specialist insurers step in. You need to declare unspent convictions honestly, and the offence, how recent it is and your record since all shape the terms. Enter your registration and UK providers can come back with quotes.
This page is about drivers with motoring convictions. Cover levels are explained on our fully comprehensive car insurance page.
At a glance
Convicted Driver Cover, in Brief
Six things that decide how convicted drivers insurance behaves, before any of the detail.
- Declare everything
- Unspent convictions, points and bans
- How recent it is
- Older offences usually weigh less
- The offence itself
- Some are treated far more seriously
- Your licence
- Held, returned after a ban, or restricted
- The price
- Specialist insurers price the risk
- Rebuilding
- A clean record helps at each renewal
The basics
What Is Convicted Drivers Insurance?
Car insurance for drivers a mainstream insurer may decline or load because of motoring convictions. The cover itself is the same, placed with insurers who accept the risk.
Third-party cover
Injury to others and damage to their property.
Fire and theft
Your car if stolen or burnt out, on higher levels.
Comprehensive cover
Damage to your own car as well.
Specialist underwriting
Insurers used to convictions and bans.
Telematics options
A black box can help on some policies.
Payment options
Monthly or annual, subject to acceptance.
How it works
How Does Convicted Drivers Insurance Work?
You declare your convictions and licence position in full, specialist insurers price the risk, and you choose the cover, excess and any extras.
You gather the details
Offence codes, dates, fines, points and any ban and its length.
You declare everything unspent
Every conviction the insurer asks about, for every driver.
Specialist insurers price it
The offence, how recent it is and your record since.
You choose the terms
The level of cover, the excess, any black box and how you pay.
What it covers
What Does Convicted Drivers Insurance Cover?
The same levels of cover as any car policy, placed with insurers who accept convictions, sometimes with a black box or a higher excess.
| Section | Where it sits | What to know |
|---|---|---|
| Injury and damage to others | Core | Included at every level |
| Fire and theft | Core on higher levels | Subject to security conditions |
| Accidental damage | Comprehensive | Available to many convicted drivers |
| Windscreen | Often included | Can carry a separate excess |
| Courtesy car | On some policies | Check the terms |
| Telematics | On some policies | Can support a lower price |
| Legal expenses | Optional | For motoring disputes and uninsured losses |
Cover is not automatic. Specialist insurers still assess each case, and serious or recent offences can mean fewer quotes and higher prices.
Exclusions
What Convicted Drivers Insurance Does Not Include
Cover can be lost where convictions were not declared, where someone drives without a valid licence, or during a ban.
Undeclared convictions
Offences left off the proposal.
Driving while disqualified
Not covered at any level.
Drivers without a valid licence
Including revoked or expired licences.
Driving while unfit
Under the influence of drink or drugs.
Undeclared use
Commuting or business not shown on the policy.
Undeclared modifications
Changes the insurer was not told about.
Types
Which Convictions Insurers Ask About
Insurers ask about motoring convictions, and sometimes about non-motoring ones too. These come up most.
Speeding
The most common motoring conviction.
Drink and drug driving
Treated as serious, often with a ban.
Careless or dangerous driving
Including driving without due care.
Insurance and licence offences
Such as driving uninsured.
Mobile phone offences
Using a handheld phone while driving.
Non-motoring convictions
Some insurers ask about these too.
Just points, no ban? See our guide to car insurance and penalty points.
Who it suits
Who Convicted Drivers Insurance Suits
Drivers with motoring convictions, penalty points or a past disqualification who need cover.
Drivers with points
From speeding or other offences.
Drivers returning from a ban
Back on the road with a licence again.
Drivers declined elsewhere
Where a mainstream insurer would not quote.
Named drivers with convictions
Whose record affects the policy.
Drivers at renewal
With a new conviction since last year.
Drivers rebuilding a record
Claim-free years after an offence.
Young driver with points? See our young drivers car insurance page.
Specialist or mainstream
Specialist Insurers vs Mainstream Insurers
Mainstream insurers can load or decline after a conviction. Specialist insurers are used to these cases and price them individually.
| Specialist insurer | Mainstream insurer | |
|---|---|---|
| Appetite for convictions | Accepts many cases | Can decline or load |
| After a ban | Often quotes | Often declines |
| Pricing | Case by case | Automatic loadings |
| Telematics | Often offered | Sometimes offered |
Thinking about a black box? See our black box car insurance page.
Cost
What Convicted Drivers Insurance Is Priced On
The offence, how recent it is, any ban, your driving record since, the car and where it is kept. We do not print average premiums.
Why the offence leads
Insurers look at what the offence was, how recent it is and whether there is more than one.
Why your record since matters too
Claim-free years and a clean licence after an offence can help the price at each renewal.
What the quote is rated on
The main factors
- The offenceType and how recentBase
- Any banLength and when it endedRate
- The carGroup and valueRate
- PostcodeWhere it is keptRate
- Record sinceClaims and clean yearsAdjust
Telematics
Can support a lower price for careful driving.
Lower group cars
A modest car can help.
Time since the offence
Prices often ease as it ages.
The details
The Disclosure Details That Decide a Convicted Driver Policy
Policies for convicted drivers can turn on what was declared. Four details come up again and again.
Declare every unspent conviction
For you and every named driver, with the codes, dates and penalties.
Say what the insurer asks about
Some ask about non-motoring convictions and pending cases as well.
Update mid-policy convictions
Tell the insurer if you are convicted during the policy year.
Never drive while disqualified
No policy covers driving during a ban.
Quote checklist
What You Will Be Asked for a Convicted Driver Quote
Six things shape the quote: your convictions, your licence, the car, how it is used, where it is kept, and your claims record.
Your convictions
Codes, dates, fines and points.
Your licence
Type, how long held, and any ban.
Other drivers
Their licences and convictions too.
The car
Registration, model and insurance group.
Where it is kept
Postcode and overnight parking.
Claims record
Recent claims and clean years.
Comparing
Checking Convicted Driver Quotes Side by Side
Four areas decide whether a policy suits you: the cover, the excess, the conditions, and the wider terms. The price is only one of them.
The cover
- Level of cover and courtesy car
- Windscreen cover
- Driving other cars
The excess
- Compulsory excess
- Voluntary excess
- Windscreen excess
Conditions
- Telematics requirements
- Named driver rules
- Payment and cancellation terms
Terms
- No claims bonus protection
- European driving
- Paying monthly or upfront
Check every question about convictions. Answering fully protects the policy and any claim. Unfamiliar terms are explained in our plain English jargon guide.
Cutting costs
How to Reduce the Cost of Convicted Drivers Insurance
The levers are honest disclosure, the car you choose, a black box, the excess and time. We publish no savings figures.
Declare everything
Accurate disclosure keeps the policy sound.
Choose a lower group car
A modest car can help the price.
Consider a black box
Careful driving can help at renewal.
Choose the excess deliberately
A higher voluntary excess is a lever, worth using only at a level you could pay.
Build clean years
Prices often ease as an offence ages.
Compare specialist quotes
Specialist insurers price convictions differently.
Glossary
Convicted Driver Insurance Terms Explained
The words that come up most on a convicted driver insurance schedule.
- Conviction
- A court or fixed penalty outcome recorded against your licence.
- Unspent conviction
- A conviction still treated as current, which needs declaring when asked.
- Spent conviction
- An older conviction you may no longer need to declare.
- Disqualification
- A ban from driving for a set period.
- Penalty points
- Points added to a licence after an offence.
- Offence code
- The code on your licence describing the offence.
- Main driver
- The person who drives the car most.
- Named driver
- Someone else allowed to drive the car under the policy.
- No claims bonus
- A discount built up through claim-free years.
- Compulsory excess
- The part of a claim the insurer sets that you pay.
- Voluntary excess
- An extra amount you choose to pay on a claim.
Why MyMoneyComparison.com
Why Compare Convicted Drivers Insurance with MyMoneyComparison.com?
MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces drivers to specialist brokers. We do not sell insurance and we do not give advice: the broker you choose arranges the policy. Using us is free.
One form, one car
Describe the car once, instead of repeating yourself to each broker.
Advice given
We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.
Authorised and regulated
MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.
Incorporated
A UK company since 2013. FCA authorisation is separate and later; the register carries its date.
FAQs
Convicted Drivers Insurance FAQs
Answers on declaring convictions, bans, spent offences and rebuilding a record.
What is convicted drivers insurance?
Car insurance for drivers with motoring convictions, penalty points or a past disqualification. The cover is the same as any car policy, placed with specialist insurers who accept these cases.
Do I have to tell my insurer about a conviction?
You need to answer the insurer’s questions honestly, and they normally ask about unspent convictions. Leaving one out can lead to a claim being refused or the policy being cancelled.
What is an unspent conviction?
A conviction still treated as current under the rules on rehabilitation. Once a conviction is spent, you usually no longer need to declare it, though the period depends on the penalty.
How long do convictions affect my insurance?
Insurers usually ask about convictions from the last few years, and the effect fades as the offence ages. Endorsements also stay on a licence for a set period before removal.
Can I get insurance after a drink driving ban?
Often, yes, through specialist insurers, though prices are usually higher and fewer insurers will quote. Time since the ban and a clean record afterwards both help.
Will points always raise my premium?
Not always. A single minor speeding offence may have a modest effect with some insurers, while several offences or a serious one can raise the price sharply.
Do I need to declare a conviction mid-policy?
Yes, if you are convicted while the policy is running. The insurer may adjust the price or terms, and keeping quiet could affect a later claim.
Do named drivers’ convictions count?
Yes. Insurers ask about every driver on the policy, and a named driver’s convictions can affect the price and whether cover is offered at all.
Are non-motoring convictions relevant?
Some insurers ask about unspent non-motoring convictions too. Answer what you are asked, and if a question is unclear, ask the insurer before you buy.
Can I get comprehensive cover with convictions?
Often, yes. Many specialist insurers offer all three levels, though the choice can be narrower after a serious or recent offence, so compare each level.
Will a black box help?
It can. Telematics lets careful driving count towards the price, and some insurers offer better terms to convicted drivers who accept a black box in the car.
What if my licence was revoked?
Tell the insurer. Cover depends on holding a valid licence, so you need your entitlement back before driving. Specialist insurers can quote once you are licensed again.
Can I insure a car during a ban?
You cannot drive it, and no policy covers driving while disqualified. Some insurers can cover the car while it is off the road for others to drive, so ask.
Do convictions affect a no claims bonus?
A conviction on its own does not remove a no claims bonus, which is based on claims. It can still raise the price, as insurers rate convictions separately.
How can I bring the price down over time?
Build claim-free years, keep your licence clean, consider a black box and a lower insurance group car, and compare quotes at each renewal rather than auto-renewing.
How do I compare convicted driver quotes?
Look beyond the price to the level of cover, the total excess, any telematics conditions, named driver rules, payment terms and what happens if you are convicted again.
Ready when you are
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Enter your registration and tell us about the drivers. UK providers can then come back with quotes. Free to use, with no obligation to buy.
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About this page
This page explains UK convicted Drivers Insurance: what it covers, what it leaves out, and how declaring convictions in full decide a claim. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.
How we approached this page
- Published UK specialist motor policy summaries
- Conviction disclosure, ban and licence terms
- Financial Ombudsman material on motor insurance complaints
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