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Convicted driver insurance

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Car insurance for convicted drivers

Our convicted driver insurance provides protection for drivers with motoring convictions. If you have points on your licence for a motoring offence, such as a speeding conviction, a drink or drug related driving conviction, we could help.

It can be difficult to get car insurance with convictions. Some insurers may push up the price or refuse to provide insurance cover altogether. However, research has shown many drivers with convictions learn from their past mistakes and become better drivers as a result. At A Choice, we don’t discriminate against drivers based on their past actions. We treat our customers fairly, as individuals and with no judgement.

As a specialist insurance broker, we work with a panel of insurers to help find insurance for convicted drivers. Our panel can cover a risk shortly after a conviction is received and shortly after a disqualification from driving has ended. We can also cover motorists that have multiple convictions on their licence. So, if you’ve been turned down for insurance elsewhere, we could help.

How can I get cheap car insurance for a convicted driver?

If you have a motoring conviction, an insurer may consider you a high-risk driver, and as a result, your insurance premiums are likely to be higher. But there are several ways that you can reduce the cost of your insurance:

✔  Drive less
✔  Increase the voluntary excess on your insurance 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?

It is important that you declare any unspent convictions when looking for motor insurance. This is because the severity of the conviction may determine whether an insurer is prepared to offer you cover.

Failure to disclose this information is considered a breach of the law and your insurance will be invalid. If you are unsure whether a previous conviction is spent, see disclosurecalculator.org.uk or contact Unlock’s public helpline.

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Driving convictions that we can cover

At A Choice, we consider all motoring convictions and bans. The table below shows the full list of UK Driving Conviction Codes that can be put on your driving licence if you commit a traffic offence. It also shows how many penalty points you can get from each.

Penalty points will stay on your driving record for between 4 and 11 years depending on the severity of the offence.

Accident offences

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

 

Disqualified driver

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

 

Careless driver

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

 

Construction and use offences

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

 

Reckless/dangerous driving

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

 

Drink

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

 

Drugs

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

 

Insurance offences

Code Offence Penalty Points
IN10 Using a vehicle uninsured against third party risks 6 to 8

 

Licence offences

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

 

Miscellaneous offences

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

 

Motorway offences

Code Offence Penalty Points
MW10 Contravention of special roads regulations (excluding speed limits) 3

 

Pedestrian crossing

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

 

Speed limits

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

 

Traffic direction and signs

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

 

Special code

Code Offence Penalty Points
TT99 Disqualified for having more than 12 points in the “totting up” process N/A

 

Theft or unauthorised taking

Code Offence Penalty Points
UT50 Aggravated taking of a vehicle 3 to 11

 

‘Mutual recognition’ codes

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

More Information

As a specialist motor insurer, we have exclusive rates for drivers with convictions, so contact our team to find out more. If you are looking for further information, advice and support, see Unlock, an independent national charity that helps people with convictions.