Convicted Driver Insurance
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Got a motoring conviction on your licence? Whether it’s drink driving, speeding, using a mobile phone, or any other endorsement — don’t overpay. Compare quotes from specialist insurers who cover all conviction codes including DR10, SP30, IN10, CU80 & TT99.
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COMPARE QUOTES →Why compare convicted driver car insurance with MultiQuoteTime?
Finding affordable monthly car insurance with a recent conviction can be difficult, as some insurers may even refuse to provide a quote! MultiQuoteTime provides you access to a panel of specialist insurance providers to help you find and compare the best available deals for motorists with convictions.
What is Convicted Driver Insurance?
Convicted driver insurance is car or van insurance for people that have been convicted of a driving offence. The most common offences are :
- Ban or points for speeding convictions (SP10, SP20, SP30, SP40, SP50)
- Driving without insurance conviction (IN10)
- Dangerous driving convictions (DD10, DD40, DD60, DD80, DD90)
- Failure of anyone to give information to identify the driver, MS90 conviction
- Cover for using mobile phone whist driving conviction (CU80)
- Drug driving convictions (DG10, DG30, DR80, DR90)
- TT99 totting up ban conviction
- Insurance cover for drink driving convictions (DR10, DR20, DR30, DR31, DR61, DR40, DR50, DR60, DR70)
- Insurance for drivers with points on licence
Just like standard car insurance, convicted car driver insurance is available in three forms, Third party, third party with fire and theft and fully comprehensive. We work in partnership with QuoteZone who provide a simple form which once completed is submitted to a specialist panel of brokers.
“A growing number of insurance providers now specialise in insurance for convicted drivers, getting quotes from these specialist providers may help you reduce your policy costs than using a traditional high street insurance provider” Eamonn Turley, Founder of MultiQuoteTime.co.uk
Types of Driving Convictions
We detail some of the most common driving convictions below, but cover is available for all types of convictions, as summarised in the list below.
If you are caught exceeding local speed limits, and you are a first offender you will normally have 2 choices, points on your licence or attend a speed driving awareness course. It is best to avoid the speeding ticket as you will also face a hefty fine. The points on your licence must also be declared when seeking insurance, which will result in a higher premium.
With advances in technology, police are able to detect common driving offence that include speeding or even driving using a hand held device. Whilst it can detect the use of a hand held device, it can not distinguish between a driver or an occupant, but if you are the only one in the car you are in trouble. The additional surveillance technologies have resulted in a surge in drivers with points, and it is estimated that 2.6 million drivers in the UK now have points on their licence, So you are not alone in your search for affordable car insurance with points.
Drink-driving will result in a DR10 driving conviction with 11 points added to your driving licence and a possible 12-month disqualification from driving. When you subsequently go in search of motoring insurance, you will be faced with higher premiums as a result. DR20 is for drug driving. Before regaining your driving licence, you must pass the DVLA CDT Test also referred to as the drink driving test examination.
Penalties for Drug-driving
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.
Penalty points are endorsements on your driving licence and are awarded for various kinds of driving offences. Driving under the influence of drugs or alcohol are 2 of the more serious convictions, but other less serious offences such as driving with faulty lights can also result in penalty points. In addition, some points will last longer than others. The duration that points will stay on your licence is determined by the severity of the offence.
Speeding Fine Calculator
Speeding is on the rise in the UK, if you have been caught speeding rise our UK speeding fine calculator to estimate your find and penalty points.
Which car insurance companies do not ask about criminal convictions?
All car insurance companies will ask about your driving history in relation to previous motoring and criminal convictions. Car insurance companies provide insurance quotes based on the risk profile of the driver. Criminal convictions and motoring offences are key factors in determining risk. As such, you will be asked about prior motoring and criminal offences. The only time that you can avoid declaring previous convictions is when that particular conviction is spent. See this link for further information on criminal convictions and rehabilitation periods.
Van Insurance for Convicted Van Drivers
The panel can give a range of quotes for convicted drivers including car, truck and insurance for convicted van drivers.
Did you know?
That not declaring your convictions will invalidate your insurance, leaving you effectively driving without insurance.
How to Cut the Cost of Convicted Driver Insurance
By using a vehicle that has a small engine and is classified as economical will place the cover for it in a group with the lowest possible premium costs.
Installing a telemetric device like a black box will provide data on you as a driver. This information if favourable can result in future discounts for safe driving.
Parking the vehicle in a secure location that is off the road. For example, a garage that has securing features such as alarms and exterior lighting will reduce risk and help towards a lower premium. Adding an immobiliser or other anti theft device again lowers risk and will be another step to lowering your annual premiums.
The higher the voluntary excess is, the lower the premium should be. You can also avoid paying interest payments by paying the premium on an annual basis.
The comparison service can help you compare the cost of convicted car and convicted van insurance. We work in partnership with Quotezone who forward your details onto specialist convicted driver insurance brokers, who in turn will provide you with a range of quotes.
What you will need to get multiple car insurance quotes with convictions?
Have the following information available to complete the online quote form
UK Convicted Driver Insurance FAQ’s
Related Insurance Guides
Helpful articles and resources for convicted drivers
Average Cost of Car Insurance after a Drink Driving Ban
Find out how much you can expect to pay for car insurance after a drink driving conviction and what factors affect your premium.
Read guide NewTop 7 UK Convicted Driver Insurance Brokers
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Read guide GuideIs It Illegal To Sleep In Your Car?
What UK law says about sleeping in your car, where you can and can’t park, and the drunk driving trap to avoid.
Read guide CalculatorSpeeding Fine Calculator
Work out how much your speeding fine could cost based on your speed and the limit.
Read guide GuideHow Much Does 3 Penalty Points Increase Car Insurance By?
Understand how penalty points on your licence can affect your insurance costs.
Read guide GuideWhat Is the Maximum Fine for Driving Without Insurance?
Learn about the penalties and fines you could face for driving without valid insurance cover.
Read guide GuideCDT Test DVLA – Medical Drink Driving Test
Everything you need to know about the CDT blood test required by the DVLA after a drink driving ban.
Read guide GuideHow To Get Out of a Speeding Ticket in the UK
Your options for challenging a speeding ticket, from NIP errors to speed awareness courses.
Read guide GuideDriving Without Delivery Insurance
What happens if you deliver food or parcels without the correct commercial insurance cover.
Read guide CalculatorDrink Driving Sentence Calculator
Use our free tool to estimate the sentence, driving ban, and fine you could face for a drink driving conviction.
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
