Convicted Driver Insurance

Affordable insurance for convicted drivers

  • Insurance for drivers with motoring convictions & penalty points
  • Affordable insurance policies for convicted drivers with flexible payment options
  • Great value deals from UK convicted driver insurance companies

Can I get insurance as a convicted driver?

Yes, however it will be harder to find a great deal on convicted driver insurance cover. Some insurance companies may refuse to provide any kind of cover at all.

Drivers with any kind of motoring conviction are likely to see an increased cost in their insurance premiums on a like for like basis.

The cost increase could be significant and will depend on the type of conviction, your driving record and the insurance company that is providing the quote.

This is one of the reasons why you should shop around and obtain quotes from different insurance brokers and comparison sites.

We can help you find affordable cover as a convicted driver. Get a quote and a panel of selected UK insurance companies will provide you with the best deal they can.

Why is convicted driver insurance more expensive than standard insurance without convictions?

Insurance companies analyse statistical data to determine how likely a driver is of making a claim on their insurance policy. The higher the likelihood of making a claim. The more costly the insurance premium will be.

For example a driver with a speeding conviction will be classed as a higher risk to insure. This is because drivers who travel at inappropriate speeds are more likely to crash resulting in a claim being made on their insurance policy.

The same reasoning applies to all motoring convictions, with some convictions being classed as more serious than others.

As a result all insurance companies will class drivers with convictions as a higher risk to insure.

Finding a cheap convicted driver insurance policy may prove difficult. Although some policies will be cheaper than others.

As a convicted driver it is a good idea to shop around in order to find a great deal on your car insurance.

Declaring convictions to insurers when obtaining quotes

The Rehabilitation of Offenders Act 1974 gives people with convictions the right to withhold details of their conviction(s) once they become ‘spent‘ from insurance companies when applying for insurance.

Spent convictions do not need to be disclosed to insurance companies, whereas unspent convictions do need to be disclosed.

The length of time it takes for a conviction to become ‘spent‘ under the ROA 1974 is based on the sentence for the offence committed & the length of the rehabilitation period for that sentence.

When multiple sentences are given for a particular offence it is the sentence with the longest rehabilitation period that will determine when that offence becomes ‘spent‘.


Offence: Speeding
Endorsement: SP30 (rehabilitation period of 5 years)
Fine: £100 (rehabilitation period of 1 year)
Penalty Points: (rehabilitation period of 3 years)

In the example above it will be 5 years before this conviction is classed as spent. This is because the driving licence endorsement with the longest rehabilitation period of 5 years is used to determine when the offence is classed as ‘spent‘.

How long do I need to declare motoring convictions to insurance companies?

Any motoring convictions endorsed on your drivers licence will need be declared to insurance companies for a period of 5 years.

Driving licence endorsements will become ‘spent‘ after a period of 5 years under the Rehabilitation of Offenders Act 1974.

Spent convictions do not need to be declared to insurance companies.

Do I need to declare non motoring criminal convictions?

If asked by an insurance company whether or not you have any non motoring criminal convictions you must answer truthfully and declare any ‘unspent‘ criminal convictions.

Unlock have a handy disclosure calculator that will help you to find out when your motoring conviction or criminal conviction becomes spent.