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:
• 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%|
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.