Compare insurance for convicted drivers

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Finding car insurance for convicted drivers can be a struggle, especially as policies can be expensive.

At we work with leading UK insurers can help you search for the protection you need.

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  • What convictions do I need to disclose?
  • How to find the cheapest quotes for convicted drivers
  • FAQs
  • Useful links
  • Customer reviews

Jump to section

  • What convictions do I need to disclose?
  • How to find the cheapest quotes for convicted drivers
  • FAQs
  • Useful links
  • Customer reviews

Why compare car insurance for convicted drivers?

Having any sort of conviction can affect the cost of car insurance – it doesn’t have to be driving related. Even relatively minor crimes like shoplifting or fly tipping could still increase your premium. That’s because insurers consider anyone with a criminal record riskier to insure.

With that in mind, it can be tricky to find car insurance but that doesn’t mean it’s impossible. Searching for quotes at comparison sites like gives you the chance to see what’s available and at what price so you can get the best value for money.

Convicted driver car insurance advice and FAQs

What is convicted driver car insurance?

Convicted driver car insurance gives you the same level of protection as standard car cover. There are three levels to choose from:

  • Third-party only insurance – compensates other people for injury or damage you cause. Policies don’t pay to repair or replace your car if you’re involved in an accident. 
  • Third-party, fire and theft insurance – includes third-party only and compensates you if your car is stolen or damaged by fire. 
  • Comprehensive insurance – includes third-party, fire and theft and also covers the cost of repair or replacement if your car is damaged in an accident – even if the accident is considered your fault. 

You’ll need a minimum of third-party insurance by law and although this is often considered the cheapest option, you might be surprised. Comprehensive policies are usually very competitively priced and can represent better value for money in the long run – another good reason to compare quotes. 

What convictions do I need to disclose?

Convictions are classed as either unspent or spent. If asked, you must tell your insurer about any unspent convictions. 

Whether your conviction is spent or unspent depends on the length of time that’s passed since you were convicted. Bear in mind that the length of time until convictions become spent depends on what the crime was. 

If a conviction is spent, it means you’re considered rehabilitated and you don’t need to declare them. 

If you decide not to mention any unspent convictions, you risk invalidating your policy which means your insurer can refuse to pay out if you make a claim.

Can I get temporary car insurance for convicted drivers?

Yes, if you borrow a car or only need to use one for a short time, you can get temporary car insurance for convicted drivers. You might still pay more compared to a driver without convictions, but there are specialist insurers out there who will be happy to provide cover.

In most cases, you can arrange short-term car insurance for as little as one day up to a few weeks so it’s ideal if you need flexible cover for a little while.

How to get cheaper car insurance for convicted drivers

It can be a struggle to find cheap car insurance for convicted drivers but there are ways to keep premiums as low as possible – for example:

  • Pay for your policy upfront – it might seem a lot of money but paying for your policy in one go can actually work out cheaper. Monthly instalments often come with added interest fees so you end up paying more overall. 
  • Increase your voluntary excess – this can lower your overall premium, but it should still be affordable because you’ll need to pay it for a claim to go ahead. 
  • Limit the miles you do – the less you’re on the road, the less likely you are to be involved in an accident, lowering your premium as a result. 
  • Boost security – keep your car as secure as you can, a locked garage or private drive are ideal but if that’s not possible, an immobiliser is a good alternative.  
  • Avoid modifications – the more unique your car, the more expensive it is to repair which can increase premiums. 
  • Try a telematics policy – also known as Black Box insurance, premiums are based on your driving. A telematics device is fitted to your car and sends information back to your insurer. Driving consistently well, could mean a reduction in your premium.
  • Take an advanced course – if you’ve got driving convictions, some insurers are willing to discount premiums if you take part in an advanced driving course.

Of course, the best way to find cheap car insurance for convicted drivers is to compare right here at Searching for quotes is easy, you can do it online or you can call a friendly, expert advisor on 0330 022 8814.

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