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.
“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.
• 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 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|
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.
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%|
|Driving without due care and attention||51%|
|Failure to drive in accordance with licence||49%|
|Using a vehicle with defective tyres||69%|