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Convicted Driver Car Insurance from Keith Michaels

  • All Convictions Covered
  • Your information is safe with us
  • We NEVER pass on details to 3rd parties – you are solely OUR customer
  • We’re a convicted driver specialist
  • A policy tailored unique to your situation
  • Email one of our specialists:
  • or call them directly on:

John Roberts - 0208 329 1163
Mark Bullock - 0208 329 1158

Got a Motoring Conviction? What’s Next?

As an insurance specialist for convicted drivers, we understand motoring convictions. We appreciate that some motoring convictions result from minor lapses in judgement or simply because of honest mistakes. Chances are, you’ve learnt a lesson from it and are now ready to continue living your life.

There’s not need to let your conviction rule your life, especially when it comes to your car insurance. Below we have answered some of the most common and pertinent questions that we are asked by our convicted insurance clients, they’re here to help guide you through the sometimes confusing world of convicted driver car insurance.

If you have any questions that aren’t answered in this section, or  are interested in receiving a quote, please get in touch with our specialists on the numbers or email address provided.

The following links also provide further information on how to deal with a driving conviction:

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?
Like any other driver, you can save money on your car insurance. Our number 1 tip is to contact one of our brokers for your insurance quote. Our number 2 tip would be to review these simple ways to keep your insurance down.

By seeking us out, you’ve already made the first step towards keeping your insurance costs at a reasonable price. However, as a convicted driver, there are additional methods you can use to decrease the cost of your insurance. For example, if you’ve received a drink driving conviction, we’ll be able to save you up to 50% if you’ve completed a DDRS course. You can find out more about this scheme on our drink driving insurance page.

Let Keith Michaels Take the Burden off your Shoulders!

For more information on our different convicted driver insurance policies click on the corresponding image:
banned driver car insurance drink driver car insurance speeding ban insurance
convicted driver van insurance driving without insurance ban totting up ban insurance

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