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Convicted Driver Insurance

Convicted car driver insurance for young drivers, Van insurance for drivers with previous convictions,

What is convicted driver insurance?

Updated 05th Dec 2021 by Eamonn Turley

Convicted driver insurance is car or van insurance for people that have been convicted of a driving offence. The most common offences are :

  • Speeding.
  • Driving without insurance.
  • Use of a communication device that is not hands free, for example mobile phone. 

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 QuoteSearcher who provide a simple form which once completed is submitted to a specialist panel of brokers. To get multiple quotes, select GET A QUOTE button above and provide basic information to a panel of UK brokers. The panel will be in contact via the telephone to provide you insurance quotes. This select panel of UK brokers are able to  offer comparative quotes for drivers with convictions. 

convicted driver insurance

Types of driving convictions

Speeding Convictions

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 has seen 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 on licence.

Drug driving and drink-driving 

Both are serious offences that can result in criminal conviction unlimited fines and possible jail time. 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.

Penalty points

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 is determined by the severity of the offence.  More information on how penalty points are issued can be found in our guide to penalty points.

Can I drive while waiting for my licence after a ban?

You can not drive until your disqualification period has ended, and you have received your new licence in the post or if the DVLA have accepted your application and your licence is effectively in the post. 

The DVLA will normally send you a licence renewal form a short time before the end of your disqualification. This form is a D27 form and needs to be completed and returned along with the fee and other documentation that may be requested.

If you have been flagged as a high risk offender (HRO), who will also need to undergo a medical examination and assessment. The assessment will include a physical exam, a blood test and a questionnaire about your use of alcohol.

You can apply 56 days before expiry date or 90 days if you  are a high risk offender.

Can I get car insurance with my driving convictions?

To obtain convicted driver insurance at a reasonable rate can be a challenge. This is why there are specialist insurance brokers that help the convicted find the right insurance coverage to fit their needs. 

Why are convicted driver insurance premiums so high?

The insurance industry views drivers with a conviction at a higher risk level than a driver with no convictions. This includes both the personal driving convictions of an individual and criminal convictions. As a result, convicted driver insurance will be more expensive than standard insurance and that is why it is important to search for the best insurance deal for convicted drivers.   

What many people with a conviction on their record do not understand is that when it is applied to driver insurance, a conviction of a non-driving crime is considered less of a risk by the insurance industry than a driving conviction.

What convictions have to be reported when applying for driver insurance?

When applying for  vehicle insurance you must declare any driving or criminal convictions. This reporting has to include all unspent convictions. When a person is convicted of a crime, there is a time period this conviction will remain active on their record. Once that time period expires, the conviction is then classified as spent and no longer has to be reported to an insurance company.

What happens if I do not declare my convictions?

Failure to declare any conviction will invalidate your cover, so you will in effect being driving without insurance and risk a further conviction. This may make the costs of future convicted driver insurance prohibitive or brokers will refuse your business 

What types of insurance is available for those convicted of an offence?

Third party cover is the minimum level of coverage required by UK law. There is also Third Party Fire and Theft cover that will provide some protection for your vehicle. Comprehensive cover is the most complete type of cover and protects both you and the third parties involved in an accident. 

How can I reduce the costs of convicted driver insurance?

Vehicle insurance category

By using a vehicle that has a small displacement 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.

Security

Parking the vehicle in a secure location like a shed or 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.

Excess Amount

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 excess is the amount that you are liable for should you cause an accident. 

Compare the costs of convicted driver car insurance

We can help you compare the cost of convicted car and convicted van insurance. We work in partnership with QuoteSearcher who forward your details onto specialist convicted driver insurance brokers, who in turn will provide you with a range of quotes. Select GET A QUOTE and complete one simple form. This will be shared with a panel of specialist brokers that deal exclusively in providing UK  convicted driver insurance.


Sources & Other Authoritative Sites

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