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Useful Information For Convicted Drivers

We know that searching for a good deal on your car insurance can be tricky at the best of times but when you’re coming out of the other side of a driving conviction it can be even tougher. Check out our tips and guides to help you make what can be a difficult process simple. You can also review our FAQs on the most common driving convictions.

What do our customers say?

“When I spoke to Mark I was close to giving up on ever finding a decent insurance quote. However, he was really helpful and understanding. Despite my previous conviction he managed to get me a quote I literally couldn’t find anywhere else! Thanks again.” - Louis Hyde

If you’ve been unfortunate enough to receive a driving conviction you’re probably concerned about extortionate insurance for convicted drivers. Whereas many insurance providers will up their prices considerably simply because you have a driving conviction or ban against your name we are different. We have fantastic convicted driver car insurance rates available for drivers who have existing convictions or are coming back from a ban. As specialist insurance brokers we really do treat each customer as an individual. This means that no ‘risk’ is too adverse for us. 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, click here for a full list of motoring convictions that we can cover. Who Can We Help With Our Insurance For Convicted Drivers? We cover drink driving, speeding ban, convicted driver, driving without insurance and banned driver insurance plus many other types of insurance for convicted drivers. If you want to find out more about our specialist insurance services get in touch today, or contact our experts below, for a friendly chat to find out how much we can save you on your convicted driver car insurance.

Our Convicted Driver Car Insurance Specialists


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.
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. Request a quote today to see how much you could save.
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. Click on the relevant link to find out more information and request a quote.

Insurance for a banned driver
Van insurance for drivers with convictions
Convicted of driving without insurance
Insurance for disqualified drivers
Cover for drivers with a totting up ban
Policies for drivers convicted of speeding
Insurance for drink drivers

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 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
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 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.
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 shows data found on the Daily Mail. It 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.


% 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%
Drink driving 115%
Driving without due care and attention 51%
Failure to drive in accordance with licence 49%
Using a vehicle with defective tyres 69%
How can I keep my insurance costs down?
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Convicted Driver Car Insurance from Keith Michaels

  • Any Convictions Covered
  • We NEVER pass on details to 3rd parties – you are solely OUR customer
  • We have insurance companies who ONLY deal with convicted drivers
  • Call John Roberts on 0208 329 1163
  • or Mark Bullock on 0208 329 1158
  • or send a private email to
  • Discounts for previous driving, no claims bonus, etc
  • We are an independent long established UK company and are NOT a Call Centre
  • Immediate policies issued and instant cover provided
  • Monthly payment options available by Direct Debit for all customers

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