Top 7 UK Convicted Driver Insurance Brokers
A guide to the UK’s leading specialaist convicted driver insurance brokers. From DR10 drink driving to TT99 totting up — find out who covers your conviction and how each broker works.
The best specialist convicted driver insurance brokers in the UK are Adrian Flux, Think Insurance, The Insurance Factory, Keith Michaels, Insurance 4U, Lifesure and Autonet Insurance, with Adrian Flux ranked first for its 50+ year track record, panel of 30+ insurers and ability to cover virtually every conviction type.
Getting affordable car insurance after a driving conviction isn’t easy. Many mainstream insurers refuse cover outright or quote premiums that are simply unworkable. Specialist convicted driver brokers solve this by working directly with underwriters who understand the risk profile and can offer competitive, tailored policies.
Our ranking focuses on factors that matter most: breadth of convictions covered, years of specialist experience, insurer panel size, customer reviews and whether the broker offers ways to reduce premiums over time.
Editorial Disclaimer: The information on this website is intended for editorial purposes only and not intended as a recommendation or financial advice.
Best UK Convicted Driver Insurance Brokers
1. Adrian Flux
Adrian Flux leads the market with over 50 years of specialist broking experience and a panel of 30+ insurers covering every conviction type from DR10 drink driving to TT99 totting up bans.
Adrian Flux assesses every case individually rather than applying blanket pricing. They offer telematics policies that let convicted drivers prove safe driving and potentially reduce renewal premiums by up to 60%. Listed on the independent charity Unlock’s vetted broker list and rated “Excellent” on Trustpilot with over 36,000 reviews.
Drivers often choose Adrian Flux because:
- Panel of 30+ specialist insurers covers virtually any conviction
- Telematics option to reduce premiums through safe driving
- Also covers convicted driver van insurance
- Listed on Unlock’s independent vetted broker list
Best for: Drivers wanting the widest choice of insurers and a telematics route to lower premiums.
2. Think Insurance
Think Insurance is a dedicated convicted driver specialist that partners with rehabilitation course providers to offer additional premium discounts — a unique advantage in this market.
Unlike brokers who offer convicted cover as a sideline, Think Insurance focuses specifically on this niche. They work with OGWR DASH, TTC and other rehabilitation organisations to discount premiums for drivers who complete courses. They also offer convicted driver van insurance and motor trade insurance with convictions.
Drivers often choose Think Insurance because:
- Discounts for completing driver rehabilitation courses
- Covers nearly all driving conviction types
- Also offers motor trade insurance with convictions
- Specialist focus — not a sideline service
Best for: Drivers who have completed or plan to complete a rehabilitation course and want to save on premiums.
3. The Insurance Factory
The Insurance Factory brings over 20 years of specialist convicted driver experience and access to a panel of underwriters built specifically for high-risk motor insurance.
They handle DR10, IN10, SP30, TT99 and all other conviction codes through a dedicated panel of specialist insurers. Their approach is straightforward — provide your details and the team searches their panel for the most competitive quote for your circumstances.
Drivers often choose The Insurance Factory because:
- 20+ years of specialist convicted driver experience
- Dedicated high-risk underwriter panel
- All conviction codes covered
- Simple, no-fuss quoting process
Best for: Drivers who want a proven specialist with a straightforward quoting process.
4. Keith Michaels
Keith Michaels has over 35 years of specialist broking experience and hand-writes every policy individually, meaning no risk is too adverse and every case is assessed on its own merits.
Keith Michaels works directly with underwriters rather than relying on automated systems, allowing them to place cover where others cannot. They handle drink driving, drug driving, speeding bans, uninsured driving and totting up disqualifications. Rated “Excellent” on Trustpilot and BIBA members.
Drivers often choose Keith Michaels because:
- Every policy hand-written and individually assessed
- Works directly with underwriters — no automated refusals
- 35+ years of specialist experience
- Strong option for multiple or serious convictions
Best for: Drivers with complex histories or multiple convictions who have been refused elsewhere.
5. Insurance 4U
Insurance 4U is a Wolverhampton-based broker with 25 years of experience offering both telephone and face-to-face service — a rarity in the convicted driver insurance market.
You can visit their offices in person or call 01902 829190. They specialise in drink driving, drug driving, TT99 totting up, banned driver cover and also handle impounded vehicle insurance for drivers needing to retrieve a seized car. Good Google reviews highlight fast service and competitive pricing.
Drivers often choose Insurance 4U because:
- Face-to-face appointments available in Wolverhampton
- Also handles impounded and seized vehicle insurance
- Convicted driver van insurance available
- 25 years of specialist experience
Best for: Drivers who prefer face-to-face service or need impounded vehicle cover urgently.
6. Lifesure
Lifesure has been helping convicted drivers for over 50 years and has earned the Feefo Platinum Trusted Award six years running for customer service excellence.
They work with a range of specialist insurers covering DR10 through DR70, IN10 and all other codes. Their UK-based team provides a personal service and policies can include extras like RAC breakdown cover.
Drivers often choose Lifesure because:
- 50+ years helping convicted drivers
- Feefo Platinum Trusted Award for six consecutive years
- Optional RAC breakdown cover included
- UK-based, personal customer service
Best for: Drivers who value proven customer service and a long-established, trusted brand.
7. Autonet Insurance
Autonet Insurance, part of the Swinton Group, operates a dedicated convicted driver team with access to a specialist insurer panel built for high-risk motor cover.
Autonet uses a callback model — submit your details and a specialist contacts you to discuss your situation and find the best quote. Being part of the Swinton Group gives them access to a broad underwriter network covering all motoring conviction types.
Drivers often choose Autonet because:
- Backed by the Swinton Group’s underwriter network
- Dedicated convicted driver specialist team
- Callback approach — speak to a human, not a form
- All motoring conviction types covered
Best for: Drivers who prefer a phone-based service backed by a major insurance group.
How to Choose a Convicted Driver Insurance Broker
The right broker depends on your conviction type, driving history and budget. Drivers with serious convictions like DR10 or DD40 should prioritise brokers with deep panels such as Adrian Flux or Keith Michaels. Those who have completed rehabilitation courses should consider Think Insurance for potential discounts. If face-to-face service matters, Insurance 4U offers in-person appointments.
Always declare your convictions honestly failure to do so can void your policy. You only need to declare unspent convictions. The charity Unlock maintains an independent vetted list of brokers who follow fair disclosure practices.
You can also compare multiple convicted driver insurance quotes through MultiQuoteTime to see quotes from several specialist brokers at once.
What to Ask Your Convicted Driver Insurance Broker
Before committing to a policy, make sure you ask your broker these key questions. The answers will help you compare providers properly and avoid surprises at claim or renewal time.
Do you cover my specific conviction code? Not all brokers cover every code. Some won’t touch DR50 or DD40 offences, while others specialise in them. Confirm your exact code is accepted before providing any personal details.
How many insurers are on your panel? A bigger panel means more quotes and a better chance of competitive pricing. Brokers with fewer than five insurers on their panel may struggle to find you a reasonable premium, especially for serious convictions.
Can I reduce my premium at renewal? Ask whether the broker offers telematics policies or rehabilitation course discounts. Adrian Flux and Think Insurance both offer routes to lower renewals — but not every broker does.
What happens if I receive another conviction during the policy? Some policies will be voided, others will adjust the premium mid-term. Know the terms before you sign up so you’re not caught out.
Is my no claims discount protected? Many convicted driver policies don’t include NCD protection as standard. If you have years of no claims built up, check whether this can be added.
Do I need to declare spent convictions? Under the Rehabilitation of Offenders Act 1974, you do not need to declare spent convictions to insurers. If a broker is asking you to declare convictions older than five years, they may not be following best practice — check the Unlock charity’s insurance guide for clarity.
Are you FCA regulated? Every insurance broker operating in the UK must be authorised by the Financial Conduct Authority. You can verify any broker’s status on the FCA register. All seven brokers listed in this guide are FCA regulated.
Convicted Driver Insurance Brokers Compared
This table summarises the key differences between each broker at a glance, so you can quickly compare experience, panel size, review ratings and whether they offer convicted driver van insurance or appear on Unlock’s vetted list.
| Broker | Experience | Panel Size | Trustpilot | Van Cover | Unlock Listed |
|---|---|---|---|---|---|
| Adrian Flux | 50+ years | 30+ | Excellent | ✓ | ✓ |
| Think Insurance | 15+ years | Specialist | Excellent | ✓ | ✗ |
| The Insurance Factory | 20+ years | Specialist | Great | ✗ | ✗ |
| Keith Michaels | 35+ years | Bespoke | Excellent | ✗ | ✓ |
| Insurance 4U | 25 years | Specialist | Good | ✓ | ✗ |
| Lifesure | 50+ years | Specialist | Feefo Platinum | ✗ | ✓ |
| Autonet Insurance | 15+ years | Swinton Group | Good | ✗ | ✗ |
Trustpilot and Feefo ratings checked February 2026. Panel size listed as “Specialist” where the broker does not publicly disclose insurer numbers. “Bespoke” indicates hand-written policies placed directly with underwriters.
