Car insurance for convicted drivers
Convicted driving insurance
Convicted driver insurance is designed to help those who may struggle to get a policy elsewhere. If you have points on your licence for a motoring offence, such as speeding or a drink or drug related driving conviction, we could offer the solution.
It can be difficult to get car insurance with convictions. Insurers will see you as a higher risk, and as a result will push up the price or may even refuse to provide cover altogether. At A Choice, we understand that many drivers with convictions learn from their past mistakes and become better drivers as a result.
As a specialist broker, we work with a panel of insurers to find insurance for convicted drivers. Our panel can cover a risk shortly after a conviction is received and soon after a disqualification from driving has ended. We could also cover you if you have multiple convictions on your licence. So, if you’ve been turned down for insurance elsewhere, we could help.
How can I lower the cost of my car insurance as a convicted driver?
If you have a motoring conviction, your insurance premium is likely to be higher. But there are several ways that you can reduce the cost of your cover:
✔ Drive less
✔ Increase the voluntary excess on your policy
✔ Keep your car in a secure place overnight
✔ Consider purchasing a car in a lower insurance group
✔ Take a speed awareness course
✔ Take part in a drink driver rehabilitation course
Do I have to declare a conviction?
Yes, you must declare any unspent convictions when looking for motor insurance. And you must be honest. This is because the severity of the conviction may determine whether an insurer is prepared to offer you cover. Failure to provide the correct information and disclose this information is considered a breach of the law and your insurance will be invalid and void your claim.
However, you do not need to declare any spent convictions. If you are unsure whether a previous conviction is spent, you can find out via the government website.
“As a convicted driver, finding affordable insurance can feel like an uphill battle, but it’s not impossible. Through us, you can secure cover that’s both competitive and tailored to your unique needs. We understand that everyone deserves a second chance. By working with insurers who specialise in higher-risk policies, we can help convicted drivers get back on the road with our best possible deal.”
Richard Dornan, Underwriting Director.
Driving convictions that we can cover
At A Choice, we can provide:
- Car insurance for drink drivers
- Car insurance for drug drivers
- Car insurance for drivers with points
We will consider all motoring convictions and bans. The tables below show the full list of UK codes that can be put on your licence if you commit a traffic offence. It also shows how many penalty points you can get from each.
Points will stay on your driving record for between 4 and 11 years depending on the severity of the offence.
| Code | Offence | Penalty Points |
|---|---|---|
| AC10 | Failing to stop after an accident | 5 to 10 |
| AC20 | Failing to give particulars or to report an accident within 24 hours | 5 to 10 |
| AC30 | Undefined accident offences | 4 – 9 |
| Code | Offence | Penalty Points |
|---|---|---|
| BA10 | Driving while disqualified by order of court | 6 |
| BA30 | Attempting to drive while disqualified by order of court | 6 |
| BA40 | Causing death by driving while disqualified | 3 to 11 |
| BA60 | Causing serious injury by driving while disqualified | 3 to 11 |
| Code | Offence | Penalty Points |
|---|---|---|
| CD10 | Driving without due car and attention | 3 to 9 |
| CD20 | Driving without reasonable consideration for other road users | 3 to 9 |
| CD30 | Driving without due care and attention or without reasonable consideration for other road users | 3 to 9 |
| CD40 | Causing death through careless driving when unfit through drink | 3 to 11 |
| CD50 | Causing death by careless driving when unfit through drugs | 3 to 11 |
| CD60 | Causing death by careless driving when alcohol level above limit | 3 to 11 |
| CD70 | Causing death by careless driving then failing to supply a specimen for alcohol analysis | 3 to 11 |
| CD80 | Causing death by careless, or inconsiderate, driving | 3 to 11 |
| CD90 | Causing death by driving: unlicensed, disqualified or uninsured drivers | 3 to 11 |
| Code | Offence | Penalty Points |
|---|---|---|
| CU10 | Using a vehicle with defective brakes | 3 |
| CU20 | Causing or likely to cause danger by reason of use of unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, steering or tyres) in a dangerous condition | 3 |
| CU30 | Using a vehicle with defective tyre(s) | 3 |
| CU40 | Using a vehicle with defective steering | 3 |
| CU50 | Causing or likely to cause danger by reason of load or passengers | 3 |
| CU80 | Breach of requirements as to control of the vehicle, mobile telephone etc. | 3 to 6 |
| Code | Offence | Penalty Points |
|---|---|---|
| DD10 | Causing serious injury by dangerous driving | 3 to 11 |
| DD40 | Dangerous driving | 3 to 11 |
| DD60 | Manslaughter or culpable homicide while driving a vehicle | 3 to 11 |
| DD80 | Causing death by dangerous driving | 3 to 11 |
| DD90 | Furious driving | 3 to 9 |
| Code | Offence | Penalty Points |
|---|---|---|
| DR10 | Driving or attempting to drive with alcohol concentration above limit | 3 to 11 |
| DR20 | Driving or attempting to drive when unfit through drink | 3 to 11 |
| DR30 | Driving or attempting to drive then failing to provide a specimen | 3 to 11 |
| DR31 | Driving or attempting to drive then refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity | 3 to 11 |
| DR40 | In charge of a vehicle while alcohol level above limit | 10 |
| DR50 | In charge of a vehicle while unfit through drink | 10 |
| DR60 | Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive | 10 |
| DR61 | Refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity in circumstances other than driving or attempting to drive | 10 |
| DR70 | Failing to provide specimen for breath test | 4 |
| Code | Offence | Penalty Points |
|---|---|---|
| DG10 | Driving or attempting to drive with drug level above the specified limit | 3 to 11 |
| DG40 | In charge of a vehicle while drug level above specified limit | 3 to 11 |
| DG60 | Causing death by careless driving with drug level above the limit | 3 to 11 |
| DR80 | Driving or attempting to drive when unfit through drugs | 3 to 11 |
| DR90 | In charge of a vehicle when unfit through drugs | 10 |
| Code | Offence | Penalty Points |
|---|---|---|
| IN10 | Using a vehicle uninsured against third party risks | 6 to 8 |
| Code | Offence | Penalty Points |
|---|---|---|
| LC20 | Driving otherwise than in accordance with a licence | 3 to 6 |
| LC30 | Driving after making a false declaration about fitness when applying for a licence | 3 to 6 |
| LC40 | Driving a vehicle having failed to notify a disability | 3 to 6 |
| LC50 | Driving after a licence has been revoked or refused on medical grounds | 3 to 6 |
| Code | Offence | Penalty Points |
|---|---|---|
| MS10 | Leaving a vehicle in a dangerous position | 3 |
| MS20 | Unlawful pillion riding | 3 |
| MS30 | Play street Offence | 2 |
| MS50 | Motor racing on the highway | 3 to 11 |
| MS60 | Offences not covered by other codes (including offences relating to breach of requirements as to control of vehicle) | 3 |
| MS70 | Driving with uncorrected defective eyesight | 3 |
| MS80 | Refusing to submit to an eyesight test | 3 |
| MS90 | Failing to give information as to identity of driver etc. | 6 |
| Code | Offence | Penalty Points |
|---|---|---|
| MW10 | Contravention of special roads regulations (excluding speed limits) | 3 |
| Code | Offence | Penalty Points |
|---|---|---|
| PC10 | Undefined contravention of pedestrian crossing regulations | 3 |
| PC20 | Contravention of pedestrian crossing regulations with moving vehicle | 3 |
| PC30 | Contravention of Pedestrian crossing regulations with stationary vehicle | 3 |
| Code | Offence | Penalty Points |
|---|---|---|
| SP10 | Exceeding goods vehicle speed limit | 3 to 6 |
| SP20 | Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles) | 3 to 6 |
| SP30 | Exceeding statutory speed limit on a public road | 3 to 6 |
| SP40 | Exceeding passenger vehicle speed limit | 3 to 6 |
| SP50 | Exceeding speed limit on a motorway | 3 to 6 |
| Code | Offence | Penalty Points |
|---|---|---|
| TS10 | Failing to comply with traffic light signals | 3 |
| TS20 | Failing to comply with double white lines | 3 |
| TS30 | Failing to comply with a ‘stop’ sign | 3 |
| TS40 | Failing to comply with directions of a constable/traffic warden | 3 |
| TS50 | Failing to comply with traffic sign (excluding ‘stop’ signs, traffic lights or double white lines) | 3 |
| TS60 | Failing to comply with a school crossing patrol sign | 3 |
| TS70 | Undefined failure to comply with a traffic direction sign | 3 |
| Code | Offence | Penalty Points |
|---|---|---|
| TT99 | Disqualified for having more than 12 points in the “totting up” process | N/A |
| Code | Offence | Penalty Points |
|---|---|---|
| UT50 | Aggravated taking of a vehicle | 3 to 11 |
| Code | Offence | Penalty Points |
|---|---|---|
| MR09 | Reckless or dangerous driving (whether or not resulting in death, injury or serious risk) | N/A |
| MR19 | Wilful failure to carry out the obligation placed on driver after being involved in a road accident (hit and run) | N/A |
| MR29 | Driving a vehicle while under the influence of alcohol or other substance affecting or diminishing the mental and physical abilities of a driver | N/A |
| MR39 | Driving a vehicle faster than the permitted speed | N/A |
| MR49 | Driving a vehicle whilst disqualified | N/A |
| MR59 | Other conduct constituting an offence for which a driving disqualification has been imposed by the State of Offence | N/A |
The different levels of car insurance for convicted drivers
There are three main types of cover. You need to decide which is going to provide the most suitable protection for your needs, based on your situation.
- Third-party is the most basic level. You will only be insured for damage you cause to other people, their vehicle or their property.
- Third-party, fire and theft is the next level up and offers the same protection as third-party, as well as for your car being stolen or suffering fire damage.
- A comprehensive policy offers the greatest level of protection. It covers you for all of the above, plus the repair or replacement of your vehicle if it is damaged or written off.
Why you can count on A Choice for convicted driver’s insurance
- We have been helping our customers find cover for 25 years.
- In that time, we’ve sold more than 1 million insurance policies, so you can rely on our wealth of experience.
- We work with a panel of the UK’s top insurers to offer you the best cover available.
- Treating our customers as individuals, with dignity, respect and without judgement, is at the heart of our core values.
- We are authorised and regulated by the Financial Conduct Authority and are a member of the British Insurance Brokers’ Association, adhering to the highest ethical standards.
- Find out more about us
Get a quote for convicted driver's insurance
FAQs about convicted driving insurance
Yes. If you have previous offences on your record, it can make it more difficult to find cover, but this is where A Choice can help. As a specialist broker, we work with a panel of leading UK insurers to find a policy that works for you. We do not believe your driving history should determine whether you can get covered today, which is why we do everything we can to deliver motor insurance for convicted drivers.
It depends, because insurers tend to treat some convictions differently, even if the points you receive for the offences are the same. For example, your cover will likely cost more if you have been convicted for drink or drug driving than it would if you received a fine for speeding.
No, insurers do not have access to police records. When you take out your policy, they rely on you to provide the information for any unspent convictions. You must be truthful about unspent convictions, but you do not have to tell them about spent convictions – even if they ask .
The same rules apply to any named driver as they do to you. If they have an unspent conviction, you need to include that information when you take out your policy.
No. You might think this will help your cause, as it may make it easier or cheaper to secure car insurance as a convicted driver. But pretending someone else is the main driver of your car is a form of fraud and could leave you open to legal action or void insurance in the event of a claim.
Yes. Even if you have been disqualified, you still need to have insurance for your vehicle. The only exception is if you apply for a statutory off-road notification (SORN). If you fail to take out a policy and you do not have a SORN, you run the risk of being hit with a fine or even having your car taken off you.
Learn more about declaring your vehicle off road Here.
Get a quote for convicted driving insurance
As a specialist broker, we have exclusive rates on insurance for drivers with convictions, so contact our team to find out more or get your quote today.
This page was last reviewed in September 2024