Car Insurance for Convicted Drivers

A driving conviction or criminal conviction is likely to have a significant impact on your car insurance premium. Compare quotes from specialist insurers and save money today.

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Whether it’s points on your licence for speeding, drink driving, a ban or a historical criminal conviction, our specialist partner Quotesearcher can help you to save up to 35% on your car insurance premium.

Why Should I Shop Around for Car Insurance if I Have a Conviction?

The impact on your car insurance premium of having any type conviction can vary hugely from insurer to insurer. It all depends on how they view the risk and consequently, the increase in your car insurance premium. Car insurance companies generally give the lowest price car insurance to the least risky and having any type of conviction is seen as an increased risk. For some convictions, they may even refuse to insure you altogether!

By comparing quotes from insurers that specialise in drivers with convictions, you’ve got a much better chance of finding an affordable premium.

Common Driving Convictions


Whether it’s an SP30 (“Exceeding statutory speed limit on a public road”) or SP50 (“Exceeding speed limit on a motorway”), speeding is the most common driving offence on UK roads. In fact according to the RAC, more than 790,000 people were issued penalty notices for speeding in 2015.

A relatively minor offence is still likely to put three points on your driving licence and cost you a £100 fine. Even this can have an impact on your annual car insurance premium.

For more serious offences, you could receive 6 points, a fine of up to 150% of your weekly income and even a driving disqualification for up to 56 days. This would have a more significant impact on your car insurance costs.


A TT99 conviction is when you are disqualified from driving, usually for six months, for having received 12 or more penalty points in a three year period in what’s known as the “totting up” process.


The offence of using a mobile phone when you’re behind the wheel is a relatively new one, but it’s extremely dangerous and is being taken very seriously indeed. So much so that from the 1st March 2017, the fine for doing so was doubled to £200 and your licence will be endorsed with six penalty points.


Driving a vehicle on a public road without insurance or “using a vehicle uninsured against third party risks” can get you a £300 fine and six penalty points. Police also now have the powers to seize uninsured vehicles.

DR10 and DG10

Driving a vehicle whilst unfit through drink or drugs is a serious offence and you’re likely to get a significant fine and a lengthy driving ban.

What Else Can I Do To Reduce My Insurance Premium?

The same kind of things apply to convicted drivers as to anybody looking for car insurance:

Job Title: you should always get a few quotes with different job titles that are similar to your own (remember your insurance will be invalid if you give false information)

License: Inform the insurance company of the date you passed your test not the date you got it back after a ban.

Driving Experience: in general the more driving experience you have the better the price. Even if you haven’t had your own policy, being a named driver on someone else’s car insurance will count.

Types of Insurance Cover: Sometimes Fully Comprehensive insurance can be cheaper than Third Party Only or Third Party Fire and Theft (TPFT). Try quotes for all three.

Adding Drivers to the Insurance Policy: Adding another driver to the policy can sometimes reduce the quote. Never be tempted though to add someone else as the ‘main driver’ if it’s usually you driving the car as that could invalidate your insurance.