Convicted Drivers Insurance

Yes, you can get car insurance with a conviction in the UK, but it may be more challenging and potentially more expensive. This is because insurance providers may see you as a higher risk due to your conviction, and they price their policies accordingly.

When applying for car insurance, you are required to disclose any unspent convictions you have. If you don’t, your policy could be invalidated, which means your insurer won’t pay out if you make a claim, and you could also face further legal consequences.

There are specialist insurance providers and brokers in the UK who offer policies for convicted drivers. These companies are accustomed to dealing with all types of convictions, including driving offences such as drink driving (DR10), driving without insurance (IN10), and speeding (SP30), as well as non-driving-related convictions.

While these specialist providers might offer more competitive rates than mainstream insurers for convicted drivers, premiums are often higher than standard car insurance. To try and keep costs down, you might want to consider the following:

1. Drive a Lower Risk Vehicle: Driving a car with a smaller engine or one in a low insurance group, could help reduce your premium.
2. Increase Your Excess: Agreeing to pay a higher excess in the event of a claim could reduce your overall insurance cost, but make sure you can afford to pay the excess if you need to make a claim.
3. Limit Your Mileage: If you can limit your mileage, insurers might offer you a cheaper premium, as less time on the road can equate to a reduced risk.
4. Secure Your Vehicle: Installing approved security devices on your car could also help to lower your premium.
5. Consider a Telematics Policy: Also known as black box insurance, a telematics policy monitors your driving habits and could lead to lower premiums if you demonstrate safe driving.

After we help you compare cheap convicted drivers insurance quotes, there are other techniques you can use to reduce your insurance premium.

Higher Insurance Excess

This is the portion of an insurance claim which the convicted driver willingly offers to pay. Normally, insurance firms set a compulsory excess, however, you can reduce your premium by offering to pay a higher, voluntary excess.

 Lower Mileage

After we help you compare cheap convicted driver insurance quotes, we also advise you to reduce your annual mileage as drivers with higher annual mileage often pay higher premiums. If you are a convicted driver, you might be able to reduce your car insurance if your annual mileage is limited.

Black Box

Even after you get cheap convicted driver insurance online, it is also a good idea to install a black box, as it can lead to cheaper insurance for convicted drivers. A black box is a small device which makes use of satellite technology to record vital information about your car. It is fitted inside the convicted driver’s car, and it records information such as acceleration habits, driving speed, mileage, and cornering. Insurance brokers often use this information to assess the risk level of the convicted driver. The implication is that a convicted driver could earn lower premiums by driving safely, maintaining low mileage, and avoiding night-time driving.

Optional Extras

Drivers often add one or more options to their insurance policy for additional protection, but these add-ons might increase the cost of insurance premiums. Although, with our convicted driver insurance comparison, this shouldn’t be a burden on you. These options include breakdown insurance; which provides roadside assistance in the event of a breakdown, and legal expenses cover. You can also get windscreen cover, which is normally included in comprehensive policies.

Insurance to Cover Drivers with a Range of Motoring Convictions

Accident offences

Careless driving

Construction and use offences

Disqualified driver

Drink

Drugs

Insurance offences

Licence offences

Miscellaneous offences

Motorway offences

Pedestrian crossings

Provisional

Reckless/dangerous driving

Speed limits

Theft or unauthorised taking

Traffic directions and signs

Driving offence codes are used to classify the type of traffic violation committed. SP30 and SP50 are both codes related to speeding offences, but they differ based on the type of road on which the offence occurred.

• SP30: This is the code for “exceeding the statutory speed limit on a public road”. It’s used for speeding offences that happen on all public roads except motorways.
• SP50: This code stands for “exceeding the speed limit on a motorway”. It is specific to speeding offences that happen on motorways.

For both SP30 and SP50 offences, you could get a fine, points on your licence (usually 3-6), or even be disqualified from driving depending on the severity of the offence. These offences also stay on your driving record for 4 years from the date of the offence.

If you’re convicted of either of these offences, it may affect your car insurance premiums, as insurers typically view drivers with convictions as higher risk. It’s also a legal requirement to inform your insurance provider of any driving convictions you have, otherwise, your policy could be invalidated.

A CU80 conviction code in the UK stands for “Using a mobile phone while driving a motor vehicle.” It was established to address the increasing problem of drivers being distracted by their mobile phones while on the road, which can significantly increase the risk of an accident.

If you’re found guilty of this offence, you could receive a fine and your driving licence will be endorsed with 6 penalty points. This is significant because accumulating 12 points within a three-year period could lead to a driving ban.

A CU80 endorsement remains on your driving licence for 4 years from the date of the offence. However, you must disclose it to your car insurance provider for 5 years, as it can affect your insurance premiums during this period. Not disclosing this information when asked could invalidate your insurance policy and potentially lead to prosecution.

Holding a CU80 conviction could impact your ability to rent a car in the UK. Many car hire companies require a clean licence, and some even specify that they won’t rent to people with mobile phone offences.

The laws and penalties around mobile phone use while driving have become more stringent over the years due to the dangers associated with distracted driving.

An IN10 conviction is the code used for the offence of “using a vehicle uninsured against third-party risks.” This typically means that you’ve been caught driving a vehicle without the required minimum level of insurance coverage.

Under UK law, it is illegal to drive a vehicle on public roads without at least third-party insurance. This type of insurance covers liability for injury to others (including passengers), damage to other people’s property, and liability while towing a caravan or trailer; however, it does not cover damage to the driver’s own vehicle.

The consequences of an IN10 conviction can be quite severe:

• You may be fined. The amount will vary depending on the circumstances but could be significant.
• You’ll likely get 6 to 8 points on your licence.
• In some cases, you may be disqualified from driving.

This conviction will stay on your driving record for 4 years from the date of the offence. However, you must disclose it to your car insurance provider for 5 years, as it will likely impact your insurance premiums. Convictions for driving without insurance are taken seriously by insurers, and as a result, premiums for those with an IN10 conviction tend to be significantly higher.

If you struggle to find coverage, you might need to look into insurers who specialise in coverage for convicted drivers. It’s also worth noting that continuously maintaining car insurance coverage, even while you’re disqualified from driving, can sometimes help lower your insurance premium once you’re back on the road.

Drink-driving, or driving under the influence of alcohol, is a serious crime in the United Kingdom, and the law imposes strict limits on the amount of alcohol that a driver can have in their bloodstream while operating a vehicle.

The legal alcohol limit for drivers in England, Wales, and Northern Ireland is:

• 80 milligrams of alcohol per 100 millilitres of blood
• 35 micrograms per 100 millilitres of breath
• 107 milligrams per 100 millilitres of urine

In Scotland, the limits are lower:

• 50 milligrams of alcohol per 100 millilitres of blood
• 22 micrograms of alcohol per 100 millilitres of breath
• 67 milligrams per 100 millilitres of urine

It’s important to note that the effects of alcohol can vary greatly between individuals based on a range of factors, including weight, age, sex, metabolism, the type and amount of alcohol consumed, what you’ve eaten recently, and stress levels. Therefore, it’s difficult to say exactly how many drinks you can have before exceeding the limit.

To be safe, the best advice is not to drink any alcohol if you plan on driving. Even small amounts of alcohol can impair your ability to drive safely, increasing the risk of accidents.

If you are caught and convicted of drink-driving in the UK, you may face a fine, a driving ban, and even imprisonment, depending on the seriousness of the offence. You will also receive a DR10 conviction which will remain on your licence for 11 years and is likely to significantly increase your car insurance premiums.

Yes, disqualified drivers in the UK can get car insurance, but it can be more challenging and usually more expensive than standard car insurance.

When your disqualification period ends and you regain your licence, you are legally required to have car insurance before you start driving again. However, mainstream insurers may view you as a high-risk driver because of your driving history and may refuse to insure you or offer you coverage at a higher premium.

There are specialist insurance providers in the UK who offer car insurance to drivers with convictions or disqualifications, often referred to as “convicted driver insurance”. These companies are accustomed to working with high-risk drivers and can provide policies that fit your needs.

It’s important to remember that you must disclose your driving convictions and disqualifications when asked by an insurance provider. Failure to disclose this information could lead to your policy being invalidated and could potentially lead to further legal consequences.

It’s also worth noting that maintaining car insurance during your disqualification period (even if you aren’t driving), if feasible, may help lower your insurance premiums when you regain your licence. This is because gaps in coverage can lead to higher insurance rates.

Finally, as you establish a safe driving record over time, your insurance premiums should start to decrease. Some insurers may also offer discounts if you complete a safe or defensive driving course.

Running a red light is a serious offence that is governed by the Traffic Sign Regulations and General Directions 2002. The typical offence code used for running a red light is TS10 – “failing to comply with traffic light signals”.

If you are caught running a red light, you can expect a Fixed Penalty Notice (FPN). The standard penalty for running a red light in the UK is:

• A £100 fine
• 3 penalty points will be added to your licence

The points will remain on your licence for 4 years from the date of the offence.

If you contest the FPN and the case goes to court, the maximum penalty could be up to £1,000 or £2,500 if you were driving a bus, coach, or heavy goods vehicle. You may also face disqualification and between 3 and 6 penalty points.

If you accrue 12 or more penalty points within a three-year period, you can be disqualified from driving. For new drivers (those who have held a licence for two years or less), the limit is 6 points before their licence is revoked.

It’s worth noting that these penalties can also apply if you are caught on camera running a red light, not just if you are stopped by the police at the time of the offence.

A TT99 endorsement on a driver’s license signifies that the driver has been disqualified from driving because they’ve accumulated 12 or more penalty points within a three year period. This is often referred to as “totting up,” which is where the “TT” in TT99 comes from.

The ’99’ is a code used to show that the disqualification was due to the accumulation of points in the totting-up procedure, rather than for a specific offence.

If you receive a TT99 endorsement, you will be disqualified from driving for a minimum of six months, or longer if you’ve had previous disqualifications.

Once the period of disqualification has ended, you’ll be able to apply for a new license, but the TT99 endorsement will stay on your driving record for 4 years from the date of conviction.

Having a TT99 endorsement on your license will likely increase your car insurance premiums, as insurers will see you as a high-risk driver. You may need to look for specialist insurance providers who offer coverage for drivers with convictions or disqualifications. It’s essential to disclose this information to your insurer, as failing to do so can invalidate your policy and potentially lead to further legal consequences.

A driving ban, also known as a disqualification, is a penalty imposed by a court in the UK that temporarily prohibits someone from driving. The length of a driving ban can vary widely and is usually determined by the seriousness of the offence(s) committed.

1. Fixed Penalty Notice (FPN): Minor traffic and motoring offences may result in a Fixed Penalty Notice, which often includes a small fine and penalty points on your driving licence rather than a driving ban.
2. Totting Up Disqualification: If you accumulate 12 or more penalty points within a three-year period, you’ll likely receive a driving ban under the ‘totting up’ procedure. This typically results in a ban of at least six months.
3. Disqualification for Serious Offences: For serious offences, such as dangerous driving or drink driving, the court has the discretion to impose a driving ban of any length. This could be anywhere from several months to several years, depending on the severity of the offence. In extreme cases, a lifetime disqualification can be imposed.
4. New Drivers: If you’re within two years of passing your driving test and you accumulate six or more penalty points, your licence will be revoked by the DVLA. You’ll need to reapply for your provisional licence and pass your theory and practical tests again to regain a full licence.

After your disqualification period ends, you need to apply for a new licence before you can start driving again. You might also have to retake your driving test, or you might need to take an extended driving test, which is longer and more demanding than the standard test. This will be determined by the court when your disqualification is imposed.

It’s important to note that being caught driving while disqualified is a serious offence that can result in further penalties, including imprisonment. It’s always best to follow the court’s order and the advice of legal professionals when dealing with a driving disqualification.

An MS90 conviction in the UK refers to a failure to provide information about the driver’s identity as required by law. This usually arises in situations where a traffic offence has been committed (like speeding or running a red light) and a Notice of Intended Prosecution (NIP) or a request for driver information has been sent to the registered keeper of the vehicle involved.

If the registered keeper doesn’t respond to the NIP or doesn’t provide sufficient information for the actual driver to be identified, they could face an MS90 conviction. This might happen if the NIP is ignored, or if there’s a dispute or confusion over who was driving at the time of the offence.

The penalty for an MS90 conviction is significant:

• A fine which can vary depending on the circumstances but can be substantial.
• 6 penalty points on your driving licence.

The conviction will stay on your driving record for 4 years from the date of the offence. However, you must disclose it to your car insurance provider for 5 years, which can significantly increase your insurance premiums.

If you find yourself in a situation where you’re unable to identify who was driving your vehicle at the time of an offence.

A CD10 conviction stands for “Driving without due care and attention” or “careless driving”. This offence is committed when a person’s standard of driving falls below what would be expected of a competent and careful driver.

Careless driving can cover a broad range of driving behaviours, including:

• Tailgating other vehicles
• Overtaking on the inside
• Not giving way at a junction
• Using a mobile phone while driving
• Driving aggressively

The penalties for a CD10 conviction can be severe and depend on the seriousness of the offence. They can include:

• 3 to 9 penalty points on your licence
• A fine of up to £5,000
• A discretionary disqualification from driving

The conviction will stay on your driving record for 4 years from the date of the offence. You must also disclose it to your car insurance provider, which will likely increase your insurance premiums as insurers typically view drivers with convictions as higher risk.

It’s worth noting that ‘driving without due care and attention’ is different from ‘dangerous driving’, which is a more serious offence involving a much higher degree of fault, such as driving at very high speeds in the wrong direction along a busy road or street. The penalties for dangerous driving are more severe, including mandatory disqualification and a prison sentence.

ABI –  Association of British Insurers – The Association of British Insurers is the leading trade association for insurers and providers of long term savings. … need to contact their insurer for a Green Card which they will need to carry on them if they wish to drive their vehicle in the EU.

BIBA – British Insurance Brokers’ Association – The British Insurance Brokers’ Association (BIBA) is the UK ‘s leading general insurance organisation.