Convicted Driver Insurance
Insurance for Convicted Drivers
Whilst some insurers will refuse to offer cover for drivers with any convictions, there is a broad spectrum of insurers who will offer cover for those with non-motoring related convictions, as well as insurers offering specific cover to those with driving offences.
Find the most competitive convicted driver quotes
Be prepared for these convicted driver insurance quotes to be more expensive compared to quotes for drivers with no convictions; this is to compensate for the higher risk to the insurer.
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There are many types of convictions that might affect your ability to receive an insurance quote. Ranging from drink driving to speeding or penalty points, the effect on your convicted driver insurance quote will depend on the severity and nature of your conviction. Look out for the following types of conviction when applying for convicted driver insurance.
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Any conviction accepted
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Driving without due care or attention
Failing to give identifying information on request
Receiving too many penalty points
Failing to obey a traffic signal
Driving without insurance
Using a mobile phone while driving
Speeding on a motorway
Speeding anywhere else
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Whilst convicted driver insurance is an umbrella term used to describe a wide variety of different types of cover, it broadly refers to insurance cover for higher risk individuals as a result of past actions such as dangerous driving.
If you do have a history of points, bans or convictions, you may struggle to find insurance through the conventional means. If you do not declare your unspent convictions, many insurers will refuse to quote for your cover, and even if you do get an insurance quote, it is highly likely that you will not be covered in the event of an accident or incident. Criminal convictions do become spent after a certain period of time, depending on the length and nature of the offence and the subsequent sentence. Spent convictions do not need to be declared to the insurer, but unspent convictions do legally need to be declared.
Tips to find cheap convicted driver insurance quotes
Low Insurance Group Vehicles
Choose a car in a low insurance group, such as a small car with a small capacity engine. There are fifty insurance groups, the lower the group, the lower the insurance quote.
Park in a private place
Where you park your car overnight will determine the cost of your convicted driver insurance quote. Parking your car in a private garage or driveway will reduce the risk of it being stolen, vandalised or hit by a passing vehicle, so the quotes are typically lower.
Named Drivers
Adding an experienced driver with a clean driving licence as a named driver can help you to lower your convicted driver insurance quote, especially if you are a young driver. This is because the named driver will be driving the car on occasion rather than yourself, offering a lower risk to the insurer in theory.
Black Box
By choosing a policy with a black box, you can help to offset some of the risk to the insurer as you can provide more information about your driving habits. Black box insurance, also known as telematics insurance, requires a device to be installed in your car that tracks and monitors your driving.