Convicted Driver Van Insurance

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A Guide To Finding Affordable Van Insurance For Convicted Drivers 

By Eamonn Turley
Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.

Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
from the MultiQuoteTime Editorial Team - Fact checked

Our team fact-checks content to ensure accuracy at the time of writing. Note, things do change and sometimes we do miss things [we're only human!], so it's important that you read the terms of any products that you're considering before you apply.

July 2023

Finding an affordable convicted van driver insurance policy can be difficult, as many mainstream insurance companies may refuse to even provide you with a quote. We have partnered with SEOPA who have access to a panel of specialist providers of van and car insurance for convicted drivers. 

Common Van Driver Convictions

A van driver can be guilty of the traffic offences that normal car drivers are subject to. These include the following:

  • BA10 driving while disqualified
  • CD10 careless driving
  • CU80 inadequate control of vehicle
  • DD40 dangerous driving
  • DR10 drink driving
  • DG10 drug driving
  • IN10 driving while uninsured
  • MS90 failure to produce identification documents
  • SP30 going over the speed limit
  • TT99 totting up ban for 12 points in 3 years
  • CU80 Using a mobile phone whilst driving
  • MS90 driving conviction

As well as driving offences, other offences will also negatively impact your premium, but often less so than a driving offence. Insurance underwriters will try to assess what type of driver you are from the information they have, and a conviction will play a large role in that. General offences show that you have a history of rule breaking, while driving convictions show that your driving skills and road behaviour pose a high risk to the insurance company.

MultiQuoteTime works in partnership with QuoteZone who can share your in10 car insurance requirements with a panel of specialist van insurance providers that specialise in convicted driver insurance.

Can I Remove Penalty Points from my Driving Licence? 

Penalty points, once added to your driving licence, cannot be removed. However, these points do expire after a certain time duration. If you have 3 points on your driving licence, you can not remove them, but these points will expire after a period of 4 years. During this time period, you will need to find a broker that can offer car insurance with points , IN10 insurance, DR10 insurance and even TT99 insurance also called totting up insurance amongst the many other driving offence codes.

Cost of Insurance For Convicted Van Drivers

When a driver of a car or van receives a conviction, their insurance premium will always go up. That’s due, as mentioned before, to the insurer’s changed perception of the driver. The insurance premium is based on many factors, but convictions can raise the premium by anywhere from around 15% for three penalty points to over 100% increase for most bannable convictions. Other factors will come into play when determining the effect of the conviction on the premium, but a rule of thumb is that the more serious the conviction, the greater the premium increase.

Declaring Van Driving Convictions And Non-Disclosure

When it comes to dealing with a new conviction on your existing insurance policy, it’s important to remember that the insurer must be notified, and the policy must be updated as soon as the conviction is received. A failure to notify the insurer within a reasonable timeframe can lead to the policy being void under non-disclosure.

All convictions must be disclosed to an insurer on an application for a new policy up until the date that the conviction becomes spent; at which point the conviction need not be mentioned unless specifically asked for by the insurer. This is generally more than 4 years after the date of the conviction.

Did you know?  After your conviction becomes spent, you will no longer need to declare when apply for van insurance.

Guide To Reducing The Cost of Van Insurance After A Conviction

Finding affordable convicted driver van Insurance will be more likely if you can show that you can reduce the risk that you pose to the insurance company. For example, if you have a speeding offence make sure you have completed a speed awareness course, also consider the following:

1. Get a smaller, less powerful van - All vans will fall into one of 50 van insurance groups. These groups are determined by lots of factors, such as weight, size, engine, performance, security, and safety features. The insurance group will often be shown on the van ad, or can be found online, and the lower the insurance group, the lower the convicted driver insurance cost will be.

2. Reduce your mileage - If you drive across the country on motorways every day, you can expect to pay a lot more on your insurance than if you are using the van for local jobs and short journeys. If you make a plan to cut down on the use of the van, you can give a lower mileage estimate on your policy application and this will be reflected in your insurance quote.

3. Up the security - The insurer will always ask you on an application about the environment that your van is kept. If you keep it on a busy road, the van is more likely to get a scratch, or become a target for theft, whereas if the van’s in a garage, or you have cameras in the front garden, the van will be much less of a target, and the insurer will give you a better rate.

4. Add a named driver - Often people assume that another driver will increase the cost of the insurance premium, but often it can have the opposite effect. If two people use the car, neither can use it too much, and so the chances of a crash are reduced. This is especially useful if you have a conviction, as a second driver that is more experienced with a better record, will make the application less of a risk for the insurer. This is the same for younger drivers.

5. Pay Annually - It is nice to spread the cost of insurance  over the year in the form of monthly payments, example pay monthly car insurance is a popular way to pay for car insurance, but paying monthly will work out more expensive than making one lump sum payment.

5. Get your ban shortened - If your ban is more than two years from the conviction date, the convicted has the right to appeal to the courts to have the ban shortened or suspended if their situation has changed, so it would be necessary or highly convenient to start driving again. This can be in light of a new job, disabled family member, or other considerable change.

6. Compare Quotes - Spend time researching all the available options and seek out brokers that deal exclusively in convicted insurance, as some time they can provide the best deals.

Why Compare Van insurance if you Have Convictions or Penalty Points?

As a van driver with criminal convictions that can include simply penalty points to having been banned or convicted, you by now realise that getting van insurance with this type of history is both difficult and more expensive than when you help a clean driving licence.  It is now more important to compare providers of convicted driver van insurance and to help find the best affordable cover given your circumstances.

Get Multiple Quotes For Convicted Van Driver Insurance Now

Getting comparative quotes is easy. All you have to do is click or tap the Get Quotes Button, and you will be able to compare quotes from a panel of specialist providers in a matter of minutes.

Once you’ve completed the easy quote form, you’ll then have access to your quotes, which you can compare easily. All you have to do is select the one that vest fits with your requirements and budget!

The panel is able to provide convicted driver van insurance policies are tailored to meet your individual needs, whether you have a conviction for a driving offence or a criminal offence. They offer a range of policies that cover a variety of offences, including drug driving (DG10), DR10 Van insurance (drink driving), SP30 or speeding and more serious offences.

Tailored quotes from a panel of convicted driver insurance specialists

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