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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.
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.
'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.
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).
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.
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.
| Code | Description | Points |
|---|---|---|
| ACCIDENT OFFENCES (the following licence endorsements remain on driving licence for 4 years from date of offence) | ||
| AC10 | Failing to stop and/or give particulars after an accident | 5 - 10 points |
| AC20 | Failing to give particulars or report accident within 24 hours | 5 - 10 points |
| AC30 | Undefined accident offences | 4 - 9 points |
| DISQUALIFIED DRIVER (the following licence endorsements remain on driving licence for 4 years from date of offence) | ||
| BA10 | Driving while disqualified by order of the court | 6 points |
| BA30 | Attempting to drive while disqualified by order of court | 6 points |
| CARELESS DRIVING (the following licence endorsements remain on driving licence for 4 years from date of offence) | ||
| CD10 | Driving without due care and attention | 3 - 9 points |
| CD20 | Driving without reasonable consideration for other road users | 3 - 9 points |
| CD30 | Driving without due care and attention or without reasonable consideration for other road users | 3 - 9 points |
| (the following licence endorsements remain on driving licence 11 years from date of conviction) | ||
| CD40 | Causing death through careless driving when unfit through drink | 3 - 11 points |
| CD50 | Causing death by careless driving when unfit through drugs | 3 - 11 points |
| CD60 | Causing death by careless driving with alcohol level above the limit | 3 - 11 points |
| CD70 | Causing death by careless driving then failing to supply a specimen for analysis | 3 - 11 points |
| (the following licence endorsements remain on driving licence 4 years from date of conviction) | ||
| CD80 | Causing death by careless, or inconsiderate driving | 3 - 11 points |
| CD90 | Causing death by driving: unlicensed, disqualified or uninsured drivers | 3 - 11 points |
| CONSTRUCTION AND USE OFFENCES (the following licence endorsements remain on driving licence for 4 years from date of offence) | ||
| CU10 | Using a vehicle with defective brakes | 3 points |
| CU20 | Causing or likely to cause danger by reason of use of unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, steering or tyres) in a dangerous condition | 3 points |
| CU30 | Using a vehicle with defective tyre(s) | 3 points |
| CU40 | Using a vehicle with defective steering | 3 points |
| CU50 | Causing or likely to cause danger by reason of load or passengers | 3 points |
| CU80 | Using a mobile phone while driving a motor vehicle | 3 - 6 points |
| RECKLESS/DANGEROUS DRIVING (the following licence endorsements remain on driving licence for 4 years from date of conviction) | ||
| DD10 | Causing serious injury by dangerous driving | 3 - 11 points |
| DD40 | Dangerous driving | 3 - 11 points |
| DD60 | Manslaughter or culpable homicide while driving a vehicle | 3 - 11 points |
| DD80 | Causing death by dangerous driving | 3 - 11 points |
| DD90 | Furious driving | 3 - 9 points |
| DRINK DRIVING RELATED OFFENCES (the following licence endorsements remain on driving licence 11 years from date of conviction) | ||
| DR10 | Driving or attempting to drive with alcohol level above limit | 3 - 11 points |
| DR20 | Driving or attempting to drive while unfit through drink | 3 - 11 points |
| DR30 | Driving or attempting to drive then failing to supply a specimen for analysis | 3 - 11 points |
| DR31 | Driving or attempting to drive then refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity | 3 - 11 points |
| DR61 | Refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity in circumstances other than driving or attempting to drive | 10 points |
| (the following licence endorsements remain on driving licence 4 years from date of offence) | ||
| DR40 | In charge of a vehicle while alcohol level above limit | 10 points |
| DR50 | In charge of a vehicle while unfit through drink | 10 points |
| DR60 | Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive | 10 points |
| DR70 | Failing to co-operate with a preliminary roadside test | 4 points |
| DRUG DRIVING RELATED OFFENCES (the following licence endorsements remain on driving licence 11 years from date of conviction) | ||
| DG10 | Driving or attempting to drive with drug level above the specified legal limit | 3 - 11 points |
| DG60 | Causing death by careless driving with drug level above the legal limit | 3 - 11 points |
| DR80 | Driving or attempting to drive when unfit through drugs | 3 - 11 points |
| (the following licence endorsements remain on driving licence for 4 years from date of offence or from date of conviction if disqualification imposed) | ||
| DG40 | In charge of a vehicle whilst drug level above specified legal limit | 10 points |
| DR90 | In charge of a vehicle when unfit through drugs | 10 points |
| INSURANCE OFFENCES (the following licence endorsement remains on driving licence for 4 years from date of offence) | ||
| IN10 | Using a vehicle uninsured against third party risks | 6 - 8 points |
| DRIVING LICENCE OFFENCES (the following licence endorsements remain on driving licence 4 years from date of offence) | ||
| LC20 | Driving otherwise than in accordance with a licence | 3 - 6 points |
| LC30 | Driving after making a false declaration about fitness when applying for a licence | 3 - 6 points |
| LC40 | Driving a vehicle having failed to notify a disability | 3 - 6 points |
| LC50 | Driving after a licence has been revoked or refused on medical grounds | 3 - 6 points |
| MISCELLANEOUS OFFENCES (the following licence endorsements remain on driving licence for 4 years from date of offence) | ||
| MS10 | Leaving a vehicle in a dangerous position | 3 points |
| MS20 | Unlawful pillion riding | 3 points |
| MS30 | Play street offences | 2 points |
| MS50 | Motor racing on the highway | 3 - 11 points |
| MS60 | Offences not covered by other codes | 3 points |
| MS70 | Driving with uncorrected defective eyesight | 3 points |
| MS80 | Refusing to submit to an eyesight test | 3 points |
| MS90 | Failure to give information as to identity of driver etc. | 6 points |
| MOTORWAY OFFENCES (the following licence endorsement remains on driving licence for 4 years from date of offence) | ||
| MW10 | Contravention of special roads regulations (excluding speed limits) | 3 points |
| PEDESTRIAN CROSSING OFFENCES (the following licence endorsements remain on driving licence for 4 years from date of offence) | ||
| PC10 | Undefined contravention of pedestrian crossing regulations | 3 points |
| PC20 | Contravention of pedestrian crossing regulations with moving vehicle | 3 points |
| PC30 | Contravention of pedestrian crossing regulations with stationary vehicle | 3 points |
| SPEEDING OFFENCES (the following licence endorsements remain on driving licence 4 years from date of offence) | ||
| SP10 | Exceeding goods vehicle speed limits | 3 - 6 points |
| SP20 | Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles) | 3 - 6 points |
| SP30 | Exceeding statutory speed limit on a public road | 3 - 6 points |
| SP40 | Exceeding passenger vehicle speed limit | 3 - 6 points |
| SP50 | Exceeding speed limit on a motorway | 3 - 6 points |
| TRAFFIC DIRECTIONS AND SIGNS (the following licence endorsements remain on driving licence for 4 years from date of offence) | ||
| TS10 | Failing to comply with traffic light signals | 3 points |
| TS20 | Failing to comply with double white lines | 3 points |
| TS30 | Failing to comply with 'Stop' sign | 3 points |
| TS40 | Failing to comply with direction of a constable/warden | 3 points |
| TS50 | Failing to comply with traffic sign (excluding 'stop' signs, traffic lights or double white lines) | 3 points |
| TS60 | Failing to comply with a school crossing patrol sign | 3 points |
| TS70 | Undefined failure to comply with a traffic direction sign | 3 points |
| THEFT OF VEHICLE (the following licence endorsement remains on driving licence for 4 years from date of offence) | ||
| UT50 | Aggravated taking of a vehicle | 3 - 11 points |
Aiding, abetting, counselling or procuring offences Upon conviction of aiding, abetting, counselling or procuring any of the above offences the endorsement code will be similar to the relevant endorsement code of the offence committed but with the number 0 of the endorsement code substituted by the number 2, e.g. IN10 (using a vehicle uninsured against third party risks) becomes IN12 if you have helped a person commit this offence. Causing or permitting offences Upon conviction of causing or permitting any of the above offences the endorsement code will be similar to the relevant endorsement code of the offence committed but with the number 0 of the endorsement code substituted by the number 4, e.g. IN10 (using a vehicle uninsured against third party risks) becomes IN14 if you have caused or permitted a person commit this offence. Inciting offences Upon conviction of inciting any of the above offences the endorsement code will be similar to the relevant endorsement code of the offence committed but with the number 0 of the endorsement code substituted by the number 6, e.g. IN10 (using a vehicle uninsured against third party risks) becomes IN16 if you have incited a person commit this offence. | ||
| TOTTING UP BAN (the following licence endorsement remains on driving licence for 4 years from date of conviction) | ||
| TT99 | To signify a disqualification under 'totting-up' procedure. If the total of penalty points reaches 12 or more within three years, the driver is liable to be disqualified | Disqualification or additional points for relevant offence |
| MUTUAL RECOGNITION CONVICTION CODES (the following licence endorsements remains on driving licence 4 years from date of conviction) | ||
| Mutual Recognition (MR) codes are endorsed onto a UK driving licence if a driver is disqualified while driving in Northern Ireland, Isle of Man or the Republic of Ireland. Any disqualification imposed will also be valid in the UK. | ||
| MR09 | Reckless or dangerous driving (whether or not resulting in death, injury or serious risk) | |
| MR19 | Wilful failure to carry out the obligation placed on driver after being involved in a road traffic accident (hit or run) | |
| MR29 | Driving a vehicle while under the influence of alcohol or other substance affecting or diminishing the mental and physical abilities of the driver | |
| MR39 | Driving a vehicle faster than the permitted speed | |
| MR49 | Driving a vehicle whilst disqualified | |
| MR59 | Other conduct constituting an offence for which a driving disqualification has been imposed by the State of Offence | |