Some of the insurance companies we work with

1st Central Swiftcover Admiral

Finding car insurance if you have a criminal conviction, can be a struggle, especially as policies can be expensive. At, we work with leading UK insurers, including specialist brokers, to search for car cover, so you can sort your insurance and get back to the more important things in life.

Understanding your convictions

What convictions do I need to disclose?

Always make sure you tell your insurer about the penalty points you have and any convictions, or any ongoing prosecutions. If you don’t, it could invalidate your policy which means your insurer can refuse to pay out if you make a claim. Whether your conviction is spent or unspent depends on the length of time that’s passed since you were convicted. The length of time until a conviction becomes spent depends on what the crime was.

What happens if you have spent convictions?

If a conviction is spent, it means you’re considered rehabilitated, and you don’t need to declare them. Insurers may still ask you whether you’ve got any spent convictions, in which case, you must tell them. If you decide not to mention any, you risk invalidating your policy and your insurer can refuse to compensate you if you’re involved in an accident. Nevertheless, if they’re spent, they shouldn’t let this influence the cost of your car insurance.

Why compare convicted car insurance?

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 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 affordable convicted car insurance. But searching for quotes at comparison sites like gives you the chance to see what’s available to get the best value for money. Here are our car insurance providers to help you search for the best policy for your individual circumstances.


Do you have penalty points on your license?

If you commit a driving offence, your license will be ‘endorsed’ with penalty points. The number of points you’ll get will depend on what crime has been committed. For example, you could be given between 3 and 6 points for speeding. And some crimes can even lead to you having a driving ban, meaning you are not allowed to drive any vehicle for the time the ban is in place.

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Driving Conviction Codes

In the UK there are many driving convictions and there is a code associated with each conviction. Some examples of driving conviction codes are:

  • AC10 – failing to stop after an accident can get you between 5 and 10 points
  • DD90 – furious driving can get you between 3 and 9 points
  • DR10 – driving or attempting to drive with an alcohol level above the limit can get you between 3 and 11 points

You can see all the driving conviction codes, driving offences, and penalty points in our guide to driving convictions.

And these are the most common driving offences and their equivalent penalty points:

  • Speeding — between 3 and 6 points
  • Neglecting road regulations (but not speeding) — between 3 and 9 points but more severe offences attract up to 11 penalty points
  • Driving while disqualified or uninsured — 6 points
  • Dangerous driving — anything from 3 to 11 points depending on the severity of the offence
  • Driving a defective vehicle — three points
  • Vehicle theft — between 3 and 11 points
  • Failing to stop after an accident or reporting it — between 4 and 10 points.


Drink Driving Offences

More serious offences that could endanger others, like drink driving, carry up to 11 points and can stay on your driving record for 11 years from the date of the conviction. Read’s guide to drink driving penalties and driving “the morning after”.

Some insurers may refuse to insure convicted drink drivers, but at, we’ll do the searching for you. Meaning you can review and compare deals easily on your car insurance, even if you’ve got driving convictions.


How to get cheap car insurance for convicted drivers

For many convicted drivers, it can be a struggle to find cheap car insurance but there are ways to keep premiums as low as possible.

We have put together our top tips to help reduce the price of your policy:

  • Having a car in a low insurance group can help keep premiums down – read our blog which explains how groups are determined and the types of cars that can lead to cheaper cover.
  • Pay for your policy upfront – it might seem a lot of money but paying for your policy in one go can work out cheaper. Monthly instalments often come with added interest, 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. Read our blog on insurance excess explained to find how increasing your excess could reduce your policy price.
  • Limit the miles you do – the less you’re on the road, the less likely you are to be involved in an accident. This can mean for some drivers that the price of your premium is reduced.
  • Boost security – keep your car as secure as you can. If you don’t have a garage or private driveway for your car, an immobiliser is a good alternative to keeping your car safe.
  • 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, your driving is monitored with premiums based on how you do. By driving consistently well, you could see a reduction in your premium.
    • Take an advanced course – if you have any driving convictions, some insurers are willing to discount premiums if you take part in an advanced driving course.

    Don’t forget, insurers consider many factors when calculating your quote – your age, location, type of car, and driving history are all reviewed alongside any convictions.

    Find cheap convicted driver insurance by easily comparing quotes right here at Make sure you have all your details to hand, and you can complete our easy quote form online or call a friendly, expert advisor on 0330 022 8814. Car Insurance Reviews

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