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CHEAP CAR INSURANCE FOR CONVICTED DRIVERS

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Convicted Driver Insurance

Cheap Car Insurance Quotes for Convicted Drivers

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Convicted Driver Insurance Quoteline Quote lines open: 9am - 6pm Mon to Fri / 9am - 1pm Sat

Convicted Driver Insurance

If you are a convicted driver that has been convicted of a motoring offence, a criminal offence, have penalty points on your driving licence or a poor claims history then the price you pay for your motor insurance will no doubt rise considerably.

Some insurance companies simply refuse to insure people with driving convictions such as drink driving, while other insurance companies charge prices for convicted driver insurance that make it virtually almost impossible to purchase insurance cover from them.

If you are a convicted driver and have penalty points, driving licence endorsements, criminal convictions or have served a driving ban you don't necessarily have to pay extortionate prices for your motor insurance!

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 convicted drivers insurance policies and each insurance company will have their own way of calculating prices based on geographical location amongst many other factors.

3rd Party Liability Insurance Requirement

Everybody who uses a motor vehicle on the roads or any other public place is required to hold at least 3rd party liability insurance.

s143 of The Road Traffic Act 1988 [1] states:

(1)Subject to the provisions of this Part of this Act—

(a)a person must not use a motor vehicle on a road [or other public place] unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act, and

(b)a person must not cause or permit any other person to use a motor vehicle on a road [or other public place] unless there is in force in relation to the use of the vehicle by that other person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act.

(2)If a person acts in contravention of subsection (1) above he is guilty of an offence [of driving with no insurance].

Driving Licence Endorsement / Conviction 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. For more driving convictions and driving offences see the table below.

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	ON LICENSE FOR
AC10	Failing to stop and/or give particulars after an accident	4 years
AC20	Failing to give particulars or report accident within 24 hrs	4 years
AC30	Undefined accident offences	4 years
BA10	Driving while disqualified by order of the court	4 years
BA30	Attempting to drive while disqualified by order of court	4 years
CD10	Driving without due care and attention	4 years
CD20	Driving without reasonable consideration for other road users	4 years
CD30	Driving without due care and attention or without reasonable consideration for other road users	4 years
CD40	Causing death through careless driving when unfit through drink	11 years
CD50	Causing death by careless driving when unfit through drugs	11 years
CD60	Causing death by careless driving with alcohol level above the limit	11 years
CD70	Causing death by careless driving then failing to supply a specimen for analysis	11 years
CD80	Causing death by careless, or inconsiderate driving	4 years
CD90	Causing death by driving: unlicensed, disqualified or uninsured drivers	4 years
CU10	Using a vehicle with defective brakes	4 years
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	4 years
CU30	Using a vehicle with defective tyre(s)	4 years
CU40	Using a vehicle with defective steering	4 years
CU50	Causing or likely to cause danger by reason of load or passengers	4 years
CU80	Using a mobile phone while driving a motor vehicle	4 years
DD40	Dangerous driving	4 years
DD60	Manslaughter or culpable homicide while driving a vehicle	4 years
DD80	Causing death by dangerous driving	4 years
DD90	Furious driving	4 years
DR10	Driving or attempting to drive with alcohol level above limit	11 years
DR20	Driving or attempting to drive while unfit through drink	11 years
DR30	Driving or attempting to drive then failing to supply a specimen for analysis	11 years
DR40	In charge of a vehicle while alcohol level above limit	4 years
DR50	In charge of a vehicle while unfit through drink	4 years
DR60	Failure to provide a specimen for analysis while in charge of a vehicle	4 years
DR70	Failing to co-operate with a preliminary roadside breath test	4 years
DR80	Driving or attempting to drive when unfit through drugs	11 years
DR90	In charge of a vehicle when unfit through drugs	4 years
IN10	Using a vehicle uninsured against third party risks	4 years
LC20	Driving otherwise than in accordance with a licence	4 years
LC30	Driving after making a false declaration about fitness when applying for a licence	4 years
LC40	Driving a vehicle having failed to notify a disability	4 years
LC50	Driving after a licence has been revoked or refused on medical grounds	4 years
MS10	Leaving a vehicle in a dangerous position	4 years
MS20	Unlawful pillion riding	4 years
MS30	Play street offences	4 years
MS50	Motor racing on the highway	4 years
MS60	Offences not covered by other codes	4 years
MS70	Driving with uncorrected defective eyesight	4 years
MS80	Refusing to submit to an eyesight test	4 years
MS90	Failure to give information as to identity of driver etc	4 years
MW10	Contravention of special roads regulations (excluding speed limits)	4 years
PC10	Undefined contravention of pedestrian crossing regulations	4 years
PC20	Contravention of pedestrian crossing regulations with moving vehicle	4 years
PC30	Contravention of pedestrian crossing regulations with stationary vehicle	4 years
SP10	Exceeding goods vehicle speed limits	4 years
SP20	Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)	4 years
SP30	Exceeding statutory speed limit on a public road	4 years
SP40	Exceeding passenger vehicle speed limit	4 years
SP50	Exceeding speed limit on a motorway	4 years
TS10	Failing to comply with traffic light signals	4 years
TS20	Failing to comply with double white lines	4 years
TS30	Failing to comply with 'Stop' sign	4 years
TS40	Failing to comply with direction of a constable/warden	4 years
TS50	Failing to comply with traffic sign (excluding 'stop' signs, traffic lights or double white lines)	4 years
TS60	Failing to comply with a school crossing patrol sign	4 years
TS70	Undefined failure to comply with a traffic direction sign	4 years
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	4 years
UT50	Aggravated taking of a vehicle	4 years

Useful links:

FSA - Financial Services Authority - The Financial Services Authority regulates the financial services industry in the UK, including motor insurance companies.

Motor Insurers' Bureau - The MIB provides compensation to people who are unable to pursue a valid claim against another driver following a road traffic accident because the other party is either a) not insured b) not known/traceable or c) was insured by an insurance company who is now in liquidation.

Financial Ombudsman - The financial ombudsman were set up by Parliament in order to help settle any complaints or disputes between consumers and businesses that provide financial services (insurance companies) free of charge.

Reference:

[1] The Road Traffic Act 1988