Van Insurance for Convicted Drivers
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Get multiple quotes from specialist van insurance brokers who cover convicted drivers. Whether you have a drink driving, drug driving, speeding or other motoring conviction, we can help you find affordable van cover.
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GET MULTIPLE QUOTES →Why Drivers Trust MultiQuoteTime
Why compare convicted van driver insurance with MultiQuoteTime?
You should still be able to get insurance with a criminal record but you will need to disclose this information, or your insurance could be invalidated.
Finding affordable van insurance with a recent conviction can be difficult, as some insurers may even refuse to provide a quote! MultiQuoteTime helping you find and compare the best available deals for van drivers with convictions.
The partnership enables MultiQuoteTime to provide access via an online comparison tool to hundreds of the UK’s top insurance providers. Comparing multiple quotes is a key step on your journey to finding a good deal on convicted driver van insurance.
The quote comparison tool will enable you to compare 60+ leading UK van insurance providers. The results can be easily filtered using intuitive filters to let you home in on the quotes that meet your individual requirements.
A Guide to finding affordable van insurance for convicted drivers
Finding an affordable convicted van driver insurance policy can be difficult, as many mainstream insurance companies may refuse to even provide you with a quote. We have partnered with SEOPA who have access to a panel of specialist providers of van and car insurance for convicted drivers.
Common van driver convictions
A van driver can be guilty of the traffic offences that normal car drivers are subject to. These include the following:
As well as driving offences, other offences will also negatively impact your premium, but often less so than a driving offence. Insurance underwriters will try to assess what type of driver you are from the information they have, and a conviction will play a large role in that. General offences show that you have a history of rule breaking, while driving convictions show that your driving skills and road behaviour pose a high risk to the insurance company.
MultiQuoteTime can share your van insurance requirements with a panel of specialist van insurance providers that specialise in convicted driver insurance.
Cost of insurance for convicted van drivers
When a car or van driver gets a conviction, their insurance premium usually increases because insurers see them as a higher risk. The insurance premium is based on many factors, but convictions can raise the premium by anywhere from around 15% for three penalty points to over 100% increase for most bannable convictions. Other factors will come into play when determining the effect of the conviction on the premium, but a rule of thumb is that the more serious the conviction, the greater the premium increase.
Figures based on typical market patterns from leading UK insurers. Actual premium changes vary depending on age, vehicle type, driving history and each insurer’s underwriting criteria.
| Offence Type (3 Points) | Expected Premium Impact | Notes at Renewal |
|---|---|---|
| SP30 – Speeding in a 30mph zone | +5% to +15% | Most common 3-point offence. Impact depends on age & postcode. |
| SP50 – Speeding on a motorway | +3% to +10% | Milder impact; motorway speeding usually seen as lower-risk. |
| CU80 – Using mobile phone | +10% to +25% | Insurers consider this higher-risk even though it’s 3 points. |
| SP10 / SP20 – Minor speeding | +5% to +12% | Impact varies by occupation, claims history & insurer. |
| General 3-point penalty | Typically +5% to +20% | Most insurers still offer standard rates with a mild increase. |
What type of convictions can impact the cost of van insurance?
Speeding Convictions: If you’ve been caught breaking the speed limit, you’ll receive an SP30 conviction. A minor speeding offence may have a small impact on your insurance, but if you have a history of speeding, your SP30 conviction will likely lead to higher insurance premiums.
Totting Up (TT99) Convictions: If you’re a habitual offender with multiple minor offences over time, you could end up with a totting-up penalty — also known as a TT99 conviction. This can result in a driving ban, and you’ll likely find it difficult to get TT99 insurance quotes, as most providers consider you too high risk.
Driving Convictions: If you’ve been convicted of driving a van above the legal alcohol limit, you could face a driving ban and receive a DR10 conviction, which must be declared to your insurer.
Finding van insurance with a DR10 conviction can be challenging, as many providers refuse to quote for high-risk drivers. We can help by providing access to a panel of UK insurers who specialise in all types of convicted driver insurance — including DR10 convictions.
For details on possible penalties for drug driving take 5 minutes to read Drug driving insurance article that covers (DG10, DG30, DR80, DR90)
Driving without insurance conviction will result in an (IN10) motoring conviction.
Declaring van driving convictions and non-disclosure
When it comes to dealing with a new conviction on your existing insurance policy, it’s important to remember that the insurer must be notified, and the policy must be updated as soon as the conviction is received. A failure to notify the insurer within a reasonable timeframe can lead to the policy being void under non-disclosure.
All convictions must be disclosed to an insurer on an application for a new policy up until the date that the conviction becomes spent; at which point the conviction need not be mentioned unless specifically asked for by the insurer. This is generally more than 4 years after the date of the conviction.
Did You Know?
After your conviction becomes spent, you will no longer need to declare it when applying for van insurance.
MultiQuoteTime Shares Tips on reducing the cost of van insurance after a conviction in 2026
Getting the best deal on any insurance policy depends on the level of risk you pose. Having a conviction automatically puts you in a higher risk category, so it’s extra important to take proactive steps to show that you are taking steps to reform.
Limited Mileage
Limited Mileage: This may be difficult, but covering fewer miles reduces your risk.
If you drive across the country on motorways every day, you can expect to pay a lot more on your insurance than if you are using the van for local jobs and short journeys. If you make a plan to cut down on the use of the van, you can give a lower mileage estimate on your policy application and this will be reflected in your insurance quote.
Don’t reoffend
Are you able to take actions that will reduce the likelihood of reoffending? For example, if it was dangerous driving and you take an advanced driving course or install a limiter so you can only drive at a certain speed.
Pay Annually
Choose to pay Annually: Whilst for many monthly car insurance makes budgeting easier, it is possible to pay insurance as a one off annual payment. This should help reduce the overall costs, as most insures will add an interest charges on monthly premium payments.
Compare Mutiple Quotes
Compare quotes – Spend time researching all the available options and seek out brokers that deal exclusively in convicted insurance, as some time they can provide the best deals.
Increase The Van Excess
This is the amount that you will be liable for in the event of a claim. You can voluntarily increase this amount, sharing more of the risk, as this will be the amount you will have to pay out in any claim that was deemed to be your fault. Speak with the insurer to come to an arrangement for a cheaper quote for an increased excess amount.
Increase Van Security:
Up the security – The insurer will always ask you on an application about the environment that your van is kept. If you keep it on a busy road, the van is more likely to get a scratch, or become a target for theft, whereas if the van’s in a garage, or you have cameras in the front garden, the van will be much less of a target, and the insurer will give you a better rate.
Don’t Over Insure
Don’t Over Insure: For example, if you have a car under 3 years old, breakdown cover will likely be included for the first few years, so there’s no need to include that in your insurance policy.
Avoid Mods
Avoid Van Modifications: Making changes after your van has left the factory often results in a higher premium. Check first with your insurance provider before embarking on any type of modification.
Keep a Good Credit Score
Keep a Good Credit Score : If you have a bad credit score, take steps improving your credit score
Get your ban shortened
Get your ban shortened – If your ban is more than two years from the conviction date, the convict has the right to appeal to the courts to have the ban shortened or suspended if their situation has changed, so it would be necessary or highly convenient to start driving again. This can be in light of a new job, a disabled family member, or another significant change.
Annual payment
Pay Annually – It is nice to spread the cost of insurance over the year in the form of monthly payments, example pay monthly car insurance is a popular way to pay for car insurance, but paying monthly will work out more expensive than making one lump sum payment.
Blackbox
Explore Insurance Discounts: Look out for special offers or consider installing a black box.
Finding affordable convicted driver van Insurance will be more likely if you can show that you can reduce the risk that you pose to the insurance company. For example, if you have a speeding offence, make sure you have completed a speed awareness course. You could also consider changing to a van that falls into one of 50 van insurance groups. These groups are determined by lots of factors, such as weight, size, engine, performance, security, and safety features. The insurance group will often be shown on the van ad, or can be found online, and the lower the insurance group, the lower the convicted driver insurance cost will be. Also consider the following:
How much will convicted driver van insurance cost?
Because of your conviction, it is going to be more expensive for you, but the insurance providers will also use other factors in determining the final premiums. Some of the more factors are detailed below.
Whilst you do not have control over your postcode, it does play an important role in your car insurance calculation. Insurance companies look at the crime rate associated with your post code. While policyholders have no influence over how insurance providers incorporate these factors, it is crucial to provide the address. Providing an incorrect address to get cheaper car insurance could render your policy invalid.
If you want cheaper car insurance quotes, consider a basic 3rd party cover option, which is often cheaper than comprehensive car insurance, although with less coverage. We advise getting quotes for all levels of cover, as sometimes comprehensive cover can work out cheaper than third party!
If you want cheaper car insurance quotes, consider a basic 3rd party cover option, which is often cheaper than comprehensive car insurance, although with less coverage. We advise getting quotes for all levels of cover, as sometimes comprehensive cover can work out cheaper than third party!
If you want cheaper convicted van insurance quotes, consider a third-party cover. This level is basic but can be cheaper than comprehensive cover. We advise getting quotes for all levels of cover, as sometimes comprehensive cover is not always the most expensive.
Quotes for young drivers can be as high as three times the quotes for experienced and older drivers. Here’s why: age is a good way to determine experience and carefulness while driving.
If your conviction is related to drink driving or drug driving, expect to pay a higher premium than those with other types of convictions, especially if you are a repeat offender.
Why compare van insurance if you have convictions or penalty points?
As a van driver with criminal convictions that can include simply penalty points to having been banned or convicted, you by now realise that getting van insurance with this type of history is both difficult and more expensive than when you help a clean driving licence. It is now more important to compare providers of convicted driver van insurance and to help find the best affordable cover given your circumstances.
Get multiple quotes for convicted van driver insurance now
Getting comparative quotes is easy. All you have to do is click or tap the Get Quotes Button, and you will be able to compare quotes from a panel of specialist providers in a matter of minutes.
Once you’ve completed the easy quote form, you’ll then have access to your quotes, which you can compare easily. All you have to do is select the one that vest fits with your requirements and budget!
The panel is able to provide convicted driver van insurance policies are tailored to meet your individual needs, whether you have a conviction for a driving offence or a criminal offence. They offer a range of policies that cover a variety of offences, including drug driving (DG10), DR10 Van insurance (drink-driving), SP30 or speeding and more serious offences.
What you will need to get multiple van insurance with convictions quotes?
Have the following information available to complete the online quote form
Frequently Asked Questions
Related Insurance Guides
Helpful articles and resources for convicted drivers
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Read guideDiscover Other Convicted Driver Insurance Products
Tailored quotes from a panel of convicted driver insurance specialists
DR10 Car Insurance
Specialist cover for drivers with a drink driving conviction
IN10 Car Insurance
Cover for drivers convicted of driving without insurance
CU80 Car Insurance
Insurance for drivers convicted of using a mobile phone
SP30 Speeding Insurance
Cover for drivers with speeding convictions on their licence
Drug Driving Insurance
Specialist cover for drivers with drug driving convictions
MS90
Cover for failure to give information to identify a driver
DD40 Car Insurance
Specialist cover for drivers with a dangerous driving conviction
Motor Trade with Convictions
Motor trade cover for drivers with motoring convictions
Car Insurance with Points
Compare quotes for drivers with points on their licence
Convicted Van Insurance
Specialist van insurance for drivers with convictions
CU20 Insurance
Cover for drivers convicted of causing death by careless driving
TT99 Car Insurance
Insurance for drivers disqualified under the totting up procedure
Cancelled Car Insurance
Cover for drivers who have had a previous policy cancelled
