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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

CodeOffencePenalty Points
AC10Failing to stop after an accident5 to 10
AC20Failing to give particulars or to report an accident within 24 hours5 to 10
AC30Undefined accident offences4 – 9


Disqualified driver

CodeOffencePenalty Points
BA10Driving while disqualified by order of court6
BA30Attempting to drive while disqualified by order of court6
BA40Causing death by driving while disqualified3 to 11
BA60Causing serious injury by driving while disqualified3 to 11


Careless driver

CodeOffencePenalty Points
CD10Driving without due car and attention3 to 9
CD20Driving without reasonable consideration for other road users3 to 9
CD30Driving without due care and attention or without reasonable consideration for other road users3 to 9
CD40Causing death through careless driving when unfit through drink3 to 11
CD50Causing death by careless driving when unfit through drugs3 to 11
CD60Causing death by careless driving when alcohol level above limit3 to 11
CD70Causing death by careless driving then failing to supply a specimen for alcohol analysis3 to 11
CD80Causing death by careless, or inconsiderate, driving3 to 11
CD90Causing death by driving: unlicensed, disqualified or uninsured drivers3 to 11


Construction and use offences

CodeOffencePenalty Points
CU10Using a vehicle with defective brakes3
CU20Causing 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 condition3
CU30Using a vehicle with defective tyre(s)3
CU40Using a vehicle with defective steering3
CU50Causing or likely to cause danger by reason of load or passengers3
CU80Breach of requirements as to control of the vehicle, mobile telephone etc.3 to 6


Reckless/dangerous driving

CodeOffencePenalty Points
DD10Causing serious injury by dangerous driving3 to 11
DD40Dangerous driving3 to 11
DD60Manslaughter or culpable homicide while driving a vehicle3 to 11
DD80Causing death by dangerous driving3 to 11
DD90Furious driving3 to 9



CodeOffencePenalty Points
DR10Driving or attempting to drive with alcohol concentration above limit3 to 11
DR20Driving or attempting to drive when unfit through drink3 to 11
DR30Driving or attempting to drive then failing to provide a specimen3 to 11
DR31Driving or attempting to drive then refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity3 to 11
DR40In charge of a vehicle while alcohol level above limit10
DR50In charge of a vehicle while unfit through drink10
DR60Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive10
DR61Refusing 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 drive10
DR70Failing to provide specimen for breath test4



CodeOffencePenalty Points
DG10Driving or attempting to drive with drug level above the specified limit3 to 11
DG40In charge of a vehicle while drug level above specified limit3 to 11
DG60Causing death by careless driving with drug level above the limit3 to 11
DR80Driving or attempting to drive when unfit through drugs3 to 11
DR90In charge of a vehicle when unfit through drugs10


Insurance offences

CodeOffencePenalty Points
IN10Using a vehicle uninsured against third party risks6 to 8


Licence offences

CodeOffencePenalty Points
LC20Driving otherwise than in accordance with a licence3 to 6
LC30Driving after making a false declaration about fitness when applying for a licence3 to 6
LC40Driving a vehicle having failed to notify a disability3 to 6
LC50Driving after a licence has been revoked or refused on medical grounds3 to 6


Miscellaneous offences

CodeOffencePenalty Points
MS10Leaving a vehicle in a dangerous position3
MS20Unlawful pillion riding3
MS30Play street Offence2
MS50Motor racing on the highway3 to 11
MS60Offences not covered by other codes (including offences relating to breach of requirements as to control of vehicle)3
MS70Driving with uncorrected defective eyesight3
MS80Refusing to submit to an eyesight test3
MS90Failing to give information as to identity of driver etc.6


Motorway offences

CodeOffencePenalty Points
MW10Contravention of special roads regulations (excluding speed limits)3


Pedestrian crossing

CodeOffencePenalty Points
PC10Undefined contravention of pedestrian crossing regulations3
PC20Contravention of pedestrian crossing regulations with moving vehicle3
PC30Contravention of Pedestrian crossing regulations with stationary vehicle3


Speed limits

CodeOffencePenalty Points
SP10Exceeding goods vehicle speed limit3 to 6
SP20Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)3 to 6
SP30Exceeding statutory speed limit on a public road3 to 6
SP40Exceeding passenger vehicle speed limit3 to 6
SP50Exceeding speed limit on a motorway3 to 6


Traffic direction and signs

CodeOffencePenalty Points
TS10Failing to comply with traffic light signals3
TS20Failing to comply with double white lines3
TS30Failing to comply with a ‘stop’ sign3
TS40Failing to comply with directions of a constable/traffic warden3
TS50Failing to comply with traffic sign (excluding ‘stop’ signs, traffic lights or double white lines)3
TS60Failing to comply with a school crossing patrol sign3
TS70Undefined failure to comply with a traffic direction sign3


Special code

CodeOffencePenalty Points
TT99Disqualified for having more than 12 points in the “totting up” processN/A


Theft or unauthorised taking

CodeOffencePenalty Points
UT50Aggravated taking of a vehicle3 to 11


‘Mutual recognition’ codes

CodeOffencePenalty Points
MR09Reckless or dangerous driving (whether or not resulting in death, injury or serious risk)N/A
MR19Wilful failure to carry out the obligation placed on driver after being involved in a road accident (hit and run)N/A
MR29Driving a vehicle while under the influence of alcohol or other substance affecting or diminishing the mental and physical abilities of a driverN/A
MR39Driving a vehicle faster than the permitted speedN/A
MR49Driving a vehicle whilst disqualifiedN/A
MR59Other conduct constituting an offence for which a driving disqualification has been imposed by the State of OffenceN/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.