Convicted Driver Insurance

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  • Drink Driving
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Insurance for Convicted Drivers

When it comes to car insurance, most mainstream insurers like normal risks that represent the majority of motorists and lack the experience or expertise to be able to adequately cover convicted drivers. This usually means they either won't be able to offer a quote at all, or may be more expensive than a specialist provider.

Drink Driving Convictions

If you've been convicted of drink driving, which usually means you'll have a DR10 conviction on your licence, it's almost enevitable you'll be paying more than average for your insurance. So make sure to shop around for the best deal.

Driving Without Insurance

If you're caught driving without insurance and receive an IN10 conviction, this can be one of the harder convictions to get cover for. A specialist insurer will be able to take into account the circumstances that lead to the conviction when providing a quote, whereas mainstream insurers will treat all convictions the same regardless of circumstances.

Banned from Driving

If you've been banned from driving, either for a single offence or you've been disqualified through the totting up procedure and received a TT99 conviction, it's important to ensure you declare this whenever getting an insurance quote. A lot of mainstream insurers won't be able to quote if you've received a driving ban, but specialist insurers will be able to provide a quote taking into account your specific circumstances.

Tips for Convicted Driver Insurance

Do I have to declare my conviction?

In short, yes. Without exception insurers will ask you about previous convictions so you must disclose them. If you don't your insurance will technically be invalid, which could lead to a further IN10 conviction for no insurance.

How long do I have to declare convictions for?

This will vary from insurer to insurer, so make sure you declare everything relevant. If in doubt it's best to declare too much as the insurer should disregard anything not relevant.

How long do convictions stay on my licence for?

Convictions will stay on your licence for either 4 or 11 years, depending on the offence. Offences that stay on your licence for 11 years are only visible to insurers for 5 years. For full information see the government website.

Don't buy unnecessary extras

You'll no doubt be offered a host of policy extras by your chosen insurer. Whilst some extras provide great value, don't pay extra for cover you won't use.

Renew your policy in good time

It may seem counter intuitive, but research suggests insurers can offer discounts to customers who are organised. People who leave renewing their insurance until the last minute could be disorganised and always in a rush, which could theoretically translate into riskier behaviour like leaving repairs until it's too late.

Don't auto-renew

It's always worth comparing prices every year to make sure you're getting the best possible deal. If you use our service we will send you a reminder to shop around.

How to Save £s on Convicted Driver Insurance

In 3 simple steps, taking less than 2 minutes, you can search a wide range of some of the most trusted providers in the UK. You can also tailor the policy to ensure it covers you for what you need.

1
Tell us about you

Enter your personal information, name, address, occupation, etc – this tells the market who you are and where you live.

2
Provide your requirements

What are you looking to cover, the vehicle, who will drive it and how far will you drive. You can also select the level of cover – Comprehensive or Third Party, Fire and Theft? Do you want Protected No Claims Bonus or not?

3
Choose the right policy

Review the results and tailor your cover – once the market has quoted your policy, you can amend cover to your own needs. Higher or lower excess? Legal Cover? Breakdown? This can all be amended before selecting your desired policy.

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