Compare Convicted Driver Insurance Quotes

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Insurance for Convicted Drivers

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 with us 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.


Insurance and Convictions

Affect of convictions on insurance premiums

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.

What convictions do I need to declare to insurers?

'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.

When does a driving licence endorsement become 'spent'?

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).


Insurance Underwriting

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.


Driving Licence Endorsement 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.

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.

Driving Conviction Codes

CODE DESCRIPTION PENALTY 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

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