Compare convicted driver insurance

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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.

Jump to section

  • Choosing your level of cover
  • What if I’ve previously been disqualified?
  • Is age a factor?
  • Can I get short-term cover?
  • Useful links
  • Customer reviews

Jump to section

  • Choosing your level of cover
  • What if I’ve previously been disqualified?
  • Is age a factor?
  • Can I get short-term cover?
  • 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 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 car insurance, but searching for quotes at comparison sites like gives you the chance to see what’s available in order to get the best value for money. Here are our car insurance providers to help you get the best policy.

Do you have penalty points on your licence?

If you commit a driving offence, your licence 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

Check out’s full guide to driving conviction codes, driving offences and penalty 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, so you can review and compare deals on your car insurance, even if you’ve got driving 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. 

How to get cheap 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:

  • 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 actually 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 – Insurance excess explained
  • 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, if you don’t have a garage or private driveway, 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, your driving is monitored with premiums based on how you do. 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.


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

Find cheap car insurance for convicted drivers by comparing right here at Make sure you have all your details to hand and you can either: 

  1. Complete our easy quote form online
  2. Call a friendly, expert advisor on 0330 022 8814.


Convicted driver car insurance advice and FAQs

What does car insurance for convicted drivers include?

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. Although this is often considered the cheapest option, it’s not always the case. Comprehensive policies are usually very competitively priced and can represent better value for money in the long run – another good reason to compare quotes.

Can I get car insurance if I’ve previously been banned from driving?

You can be disqualified from driving if you commit a driving offence or if you get 12 or more penalty points within three years. 

After your driving ban has been lifted, it can be tough to find car insurance and some insurers may be reluctant to cover you. That said, it’s not an impossible task and searching for quotes right here can help you find suitable policies in just a matter of minutes.  

Can young drivers get convicted driver insurance?

Age shouldn’t prevent you from finding car insurance – even as a convicted driver. Just remember to be upfront and disclose any information you’re asked to ensure you get a policy that reflects your needs. 

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 motoring 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.


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