Our Specialist Policies
Keith Michaels have 30 years’ experience arranging cover for drivers with convictions relating to drink driving, drug driving,
speeding bans, driving without insurance and more. Explore our specialist insurance policies.
Keith Michaels are a well-established provider of drink driver insurance. Any drink drive conviction can be covered.
Any drug drive conviction covered, with specific insurance schemes designed for drug drivers and car owners.
We have specific policies in place to provide banned driver insurance. All driving bans covered.
With speeding ban car insurance, we take each risk on its own merits and treat you as an individual.
We have specific insurance schemes in place for totting up ban drivers, taking individual circumstances into account.
We work directly with underwriters to provide uninsured driver ban car insurance detailed to your exact requirements.
Car Insurance for Convicted Drivers
If you’ve been unfortunate enough to receive a driving conviction, you’re probably concerned about extortionate insurance premiums. Where many insurance providers will up their prices considerably because you have a driving conviction or ban against your name, we are different.
We have competitive convicted driver car insurance rates available for drivers who have existing convictions or are coming back from a ban. As specialist insurance brokers, we treat each customer as an individual. This means that no risk is too adverse for us. We never hold judgement, and understand you want to move on from the past and get back on the road.
What convictions can Keith Michaels cover?
We’re a specialist insurance broker, which means we actually hand write each policy. Not only does this mean you can get the best policy possible, but it also means we can cover almost any situation. So, rest assured that you’ll be able to obtain great value insurance through us. We can cover drivers for almost any conviction. Below are some of the most common types of insurance that our customers with convictions seek.
We work with insurance companies that will happily look at everything from speeding bans to people coming back from disqualification. We really are able to provide cheaper insurance for convicted drivers across a large range of convictions. See the full list of motoring convictions that we can cover.
92% of our clients rate us as excellent and ★★★★★ on Trust Pilot
or call us on 0208 329 1150
The Keith Michaels Difference
- 30 years’ experience
- Every customer is treated as an individual, not a policy number
- We are a UK-based office, not a call centre
- We are completely independent from any insurance company
- All policies are looked at on their own merits to find you the best policy available
Why Choose Keith Michaels for Convicted Driver Insurance?
We have specific insurance schemes
designed exclusively for convicted drivers and car owners
- Completing driver awareness and rehabilitation courses
- Previous old No Claims reinstated if available
- Priority claims management
- Monthly direct debit for all clients
- Staff have over 30 years’ convicted experience
Rated 4.6/5 on Trustpilot
“Fantastic company with
great customer services”
★★★★★Justin Wells – AmWorld UK Limited
“for over 20 years the service has been exceptional.”
★★★★★Magdi El Masry
“Hands down the best
Get in Touch for your Convicted Driver Car Insurance Quote Today
or call: 0208 329 1150
Convicted Driver Insurance FAQs
What do I do if I’ve been refused cover?
If you’ve received a conviction, you may be frustrated by car insurance companies refusing to cover you. Many insurers refuse to cover drivers with convictions. Others will only insure drivers with non-driving related convictions. Out of those who will agree to cover you, the majority of them will charge an obscene premium. Your best bet is to seek the help of a specialist insurance broker.
How much will my conviction affect my insurance premium?
Unfortunately, your convictions may end up costing you more than you might realise. You may have to pay for what was an honest mistake for the next five years, or longer. For example, speeding offences, which are responsible for two thirds of all UK driving convictions, can more than double the cost of your insurance policy.
The chart below illustrates how different driving convictions can impact your premium with a standard insurance company. This is based on a single policy holder, with the other factors remaining the same. The price of your cover is likely to be significantly lower if you use a broker, like us, that specialises in providing insurance for convicted drivers.
|Offence||% Increase of Premium|
|Speeding on a public road||34%|
|Using a hand-held device while driving||49%|
|Running a traffic light at red||24%|
|Exceeding speed limit on a motorway||34%|
|Driving without insurance||131%|
|Driving without due care and attention||51%|
|Failure to drive in accordance with licence||49%|
|Using a vehicle with defective tyres||69%|
What if I was banned for driving without insurance?
A common motoring conviction, amongst our convicted driver customers, is the IN10 endorsement. A common cause for this motoring conviction is not having ‘no insurance’, but having ‘invalid insurance’. This is where your existing insurance policy is not suitable for covering you or your vehicle. Click here to find out more about the IN10 conviction or read about our driving without insurance policies.
Why do I have to declare my convictions?
If one of your friends has suggested withholding information from your insurance company, don’t do it! It’s easy to suggest doing something if you know you won’t be the one to face the consequences.
If you don’t disclose your convictions to your insurance company, you’ll completely invalidate your policy. This will make you personally responsible for covering the costs of any claims you may need to make. You’ll actually be driving without insurance, which will put you at further risk. It will leave you vulnerable to getting penalised with an additional conviction and possibly a driving ban. Don’t run the risk just to save a few pounds.
What convictions will affect my insurance?
There’s a wide range of motoring convictions that UK drivers are charged with every day. Some can gain you points on your licence and a small fine, whereas others will get you disqualified from driving and hit with a hefty fine. No matter what, every single motoring conviction should be taken seriously. Click here for our complete collection of motoring convictions along with the penalties of each one. Regardless of what your conviction was for, until it’s spent, it will affect the cost of your insurance. However, a specialist broker will be able to do the leg work and keep this cost down.
How long do I have to declare my motoring conviction?
How long do you have to live with a driving conviction before it’s ‘spent’? Many convictions remain on your licence for 4 years. However, you’ll still need to declare it to your insurance company for a further year. You can view all driving conviction codes here, which also includes how long you’ll have to declare them for.
If you’ve served time in prison, you’ll have to disclose your endorsements for even longer. Refer to the table below.
|Duration of Prison Sentence||Duration Until Convictions are Spent|
|Less than 6 months||7 years|
|Between 6 months and 2 and a half years||10 years|
|Longer than 2 and a half years||Will never be spent|