Motor Trade Insurance – For Convicted Drivers
Get multiple quotes from specialist motor trade insurance brokers who cover convicted drivers. Whether you have a drink driving, drug driving, speeding or other motoring conviction, we can help you find competitive cover.
Get Your Motor Trade Insurance Quotes
Compare from specialist brokers who cover convictions
Quotes are provided by a panel of specialist motor trade insurance brokers via Quotezone.
GET MULTIPLE QUOTES →Why Drivers Trust MultiQuoteTime
Why compare motor trade insurance with conviction with MultiQuoteTime?
Finding the right style of cover for your motor trade business can be time-consuming, and if you have a chequered history, you may need to spend extra time finding suitable quotes. Having access to multiple quotes should help reduce some of the stress and save you time.
Finding and comparing the latest deals available in the insurance marketplace is fast and simple with our partner, Quotezone. The online quote process is designed to be quick and simple, allowing you to compare results using smart filters to narrow down your hunt for the best deal online.
“The single biggest mistake motor traders make is not declaring a conviction upfront. It might feel like it saves money in the short term, but if a claim is rejected because of non-disclosure, it can cost you your entire business. A specialist broker has seen it all before — be honest from day one.”
Guide To UK Motor Trade Insurance For Convicted Drivers
If you need high risk motor trade insurance and have a previous driving conviction, start by comparing the costs from multiple UK brokers. Multi Quote Time works in partnership with QuoteZone who can help you by providing multiple motor trader insurance quotes from a panel of select UK brokers. The panel will be in contact via the telephone to provide you with a range of quotes for motor traders with convictions. Completing one form will give you access to a select panel of brokers that can advise and assist you in this important step in safeguarding your small or large business. If you have convictions you will need risk motor trade insurance, getting multiple quotes can help you find the best deal in your circumstances.
Figures released by the Department for Transport show that the number of convictions for road offences are increasing. The figures indicate that more than 5% of the drivers in the UK have penalty points on their licences.
Take Steps To Reduce Your Insurance Premium After A Criminal Conviction
Speeding and DR10 convictions are common and make you a higher risk to the underwriter. If caught for speeding which is the most common offence then take a speed awareness course. You will still be offered insurance, but the price will be high. When you can show that you have taken positive steps to become a more careful and knowledgeable driver, your premium should start to return to normal.
Positive steps include taking an advanced driving course and taking part in national awareness driving schemes. Agreeing to install a black box to monitor your driving should help lower your future premiums if the data proves your driving should pose a low risk.
Take Steps To Reduce Your Insurance Premium After A Criminal Conviction
Speeding and DR10 convictions are common and make you a higher risk to the underwriter. If caught for speeding which is the most common offence then take a speed awareness course. You will still be offered insurance, but the price will be high. When you can show that you have taken positive steps to become a more careful and knowledgeable driver, your premium should start to return to normal.
The following are general tips that motor traders with convictions may find helpful. They are not personalised advice — always speak to a specialist broker about your individual circumstances.
Advanced Driving Course
Taking an advanced driving course and taking part in national awareness driving schemes are positive steps that show your insurer you are committed to safer driving.
Install A Black Box
Agreeing to install a black box to monitor your driving should help lower your future premiums if the data proves your driving should pose a low risk.
Speed Awareness Course
If caught for speeding, take a speed awareness course. When you can show positive steps to become a more careful driver, your premium should start to return to normal.
Stock Values Affect Your Premium
Trading in lower-value vehicles while convictions are on your record can help keep premiums down. Higher-value stock such as sports cars or luxury vehicles typically increases the cost of cover.
Clean-Licence Drivers Can Help
Having drivers without convictions on your policy can help offset the overall risk profile of your business. This is a factor that some brokers may use when negotiating a more competitive premium.
Avoid Making Claims
Claims and convictions together are a red flag for underwriters. A clean claims record alongside your conviction is viewed far more favourably and keeps future renewals manageable.
Location and Trade Type Matter
Where you operate and the type of trade you run can influence your premium. For example, a city centre sales business may be considered a higher risk than a rural repair garage.
Keep Your Record Clean
It sounds obvious, but picking up further convictions while existing ones are still on your licence will make cover significantly harder and more expensive to find.
Annual vs Monthly Payments
Paying your motor trade premium annually rather than in monthly instalments can often work out cheaper, as monthly payments typically include interest charges.
Levels of Motor Trade Cover Available With Convictions
We provide access to a panel of specialist brokers who can tailor policies to your individual business requirements. The following cover options are available to traders with convictions:
Comprehensive
Full protection for trade vehicles and damage to third parties
Third-Party, Fire and Theft
Third-party cover plus protection if a vehicle is stolen or damaged by fire
Third-Party Only
The minimum legal requirement for driving trade vehicles on public roads
Motor Trade Liability Insurance
From £1 million to £10 million Public Liability and Employers’ Liability cover for garages, workshops, and mobile traders
Tool & Equipment Cover
Covers tools and equipment against theft, loss, or accidental damage
Stock of Vehicles
Cover for cars, vans, or bikes held as trade stock for sale
Premises Cover
Buildings and contents protection for garages, workshops, and forecourts
Convicted Driver’s Insurance For The Following Trades Available
Cover is available for all those that work within the motor trade industry, the panel can also provide competitive quotes for convicted driver van insurance for drivers that use a van as part of their business.
Sales & Dealerships
- Home-Based Sales – Specialist road risk for traders buying and selling from a private driveway.
- Forecourt Dealers – Combined policies covering showrooms, stock, and unaccompanied test drives.
- Part-Time Trading – Flexible cover for those starting a new venture alongside other employment.
Mechanics & Repair
- Mobile Mechanics – Liability and road risk cover for roadside or customer-site repairs.
- Body Shops – Essential protection for workshops handling MOTs, diagnostics, and paint spraying.
- Transit Cover – Ensuring customer vehicles remain protected while in your professional care.
Transport & Recovery
- Vehicle Transporters – Moving stock on behalf of auctions or other dealerships.
- Recovery Operators – Specialized cover for breakdown collection and vehicle salvage.
- Hazardous Goods – Options for scrap yards and environmental waste vehicle dismantling.
Cleaning & Specialty
- Car Valeting – “Care, Custody & Control” cover for mobile or fixed-site cleaners.
- Car Wash – Public liability protection for accidental damage during the cleaning process.
- Car Park Jockey – Road risk for valet parking and short-distance vehicle movements.
Guide to Conviction Durations & Disclosure
How long convictions stay on your record and what you must declare to your motor trade insurance broker.
| Conviction Type | DVLA & Insurance Record Details | On Record |
|---|---|---|
| Minor Motoring Convictions | The majority of all minor motoring convictions will remain clearly visible to the DVLA for a period of three years from either when the offence took place or from the date of conviction. | 3 Years |
| Serious Motoring Convictions | The more serious motoring convictions such as drinking and driving charges (DR10) will remain active for a much longer time and can be on your record up to eleven years. | Up to 11 Years |
| Totting Up Penalty Points | When a driver attains 12 penalty points, their licence is suspended for six months or more. Once the ban is over, the fact that your driving licence was suspended will remain on your record for up to four years. | 4 Years |
Always Declare All Convictions
It is always best to be honest with your insurance provider at all times. Your policy may become invalid if you hold back information. Insurers don’t look favourably on a customer who holds information on convictions back and place you in a higher risk category, increasing your premium costs or being refused cover.
Criminal Convictions
Criminal convictions are relevant when you are applying for motor trade insurance. They should always be disclosed to your broker. Full disclosure is required, the broker will then determine whether they are relevant or not.
Bad Credit History
Having a poor credit rating can make some insurance providers reluctant to take your business, but most will be happy to provide you with bad credit car insurance, especially if you agree to pay annually.
Compare High Risk Motor Trade Insurance
If you have any motoring convictions or criminal convictions, and you’re looking to take out a high risk motor trade insurance policy, the best thing you can do is disclose everything right upfront from the very start. This will prevent problems later. If you are not sure, then the absolute best thing to do is ask.
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Specialist Motor Trade Support
From serious convictions to standard trade cover, we help you find the right broker.
DR10 Drink Driving
Specialist cover for traders with a drink driving conviction on their record.
IN10 No Insurance
Options for traders who have previously been convicted of driving without insurance.
Drug Driving
Specialist insurance solutions for drug-related motoring offences.
TT99 Totting Up
Cover for traders who have faced a ban due to accumulated penalty points.
Convicted Van Insurance
Specialist van cover if you use a commercial vehicle for your trade business.
Main Motor Trade Hub
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