High Risk Car Insurance

Have a driving conviction? A long history of claims? Or maybe you own a high-performance car? Either way, if you’re deemed a high risk driver, insurance premiums from a mainstream insurer are likely to reflect this. That’s why you need a specialist insurance broker by your side.
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Our team are here to help

92% of our customers get a cheaper quote over the phone

92% of our customers get a cheaper quote over the phone


High Risk Driver Insurance

There are a number of reasons a driver could be deemed high risk. It could be that you’ve received a driving conviction, you have points on your licence, you’ve had a number of claims on your insurance, or simply, you own a high performance or high-value car. Fortunately, Keith Michaels specialises in high-risk car insurance for all manner of situations such as these.

We have over 30 years’ experience arranging insurance for high risk drivers. We have specialist insurance schemes designed exclusively for convicted drivers, owners of high-performance cars and everything in between.  We offer discounts where possible, alongside a number of additional benefits that make a difference.

Convicted Driver Insurance

We’ve built a strong reputation as specialist insurance brokers for a reason – we really will get you cheaper insurance if you’re coming back from disqualification. We are able to arrange insurance for all manner of driving convictions including:

  • Drink driving convictions
  • Drug driving convictions
  • Speeding convictions
  • Totting up convictions
  • Uninsured driver convictions

Explore the full list of driving convictions we cover.

At Keith Michaels, we never judge. We know you want to move forwards and get back on the road. We work with insurance companies that are happy to insure you. Every policy we put together is bespoke and tailored to your individual circumstances, to get you a truly competitive quote.

High Performance & High Value Car Insurance

Many mainstream insurers will bump up your performance or high value car’s premiums, purely because there is a perceived greater risk of driving one. No matter if you’ve got a hot hatch with bumped up BHP, a prestige supercar, or a high value classic, they’re likely to be classified as high risk. We provide specialist insurance for:

We work with the UK’s leading high value car insurance providers to get you a competitive quote that takes more than numbers on paper into account.

… And Everything Else

No matter what reason you’re deemed a high risk driver, get in touch with the specialists at Keith Michaels today and request a quote.

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?

Insurance specialist

Dedicated Policy Handlers


Matt Moody

High Net Worth

Christian Wheatley


Specialist Schemes

We have specific insurance schemes designed exclusively for high risk drivers.

This scheme is for drivers aged 25 years and older.

High Risk Car Insurance

Discounts for

Convicted drivers

  • Completing driver awareness and rehabilitation courses
  • Previous No Claims Bonus reinstated, if available

Performance / high value car drivers

  • Limited Mileage
  • Enhanced Vehicle Security
  • 2nd or 3rd Cars
  • Owners clubs
  • Secure Parking Access
High Risk Car Insurance

Additional benefits

  • Priority claims management
  • Agreed Value
  • Advice about vehicle values
  • Staff have over 30 years’ high risk car insurance experience
High Risk Car Insurance

Get in Touch for your High Risk Car Insurance Quote Today

or call us on 0208 329 1150

High Risk Car Insurance FAQs

Who is high risk car insurance for?

High risk car insurance is suitable for drivers with:

  • A driving conviction
  • Points on their licence
  • Previous claims
  • An ongoing claim
  • A high performance car
  • A high value vehicle

You can also be deemed a high risk driver if you have a high risk job, live in a high risk area, have an unusual car, or have a car that is easier to steal because of easily compromised security.

What counts as a performance car?

The definition of a performance car is “a car with high performance; a fast or powerful car.” However, insurance companies don’t have a strict definition for what a performance car actually is, instead they use a combination of metrics to assess the risk of insuring them. From hot hatches like the Ford Focus RS to supercars like the Lamborghini Huracán, they’re each considered a performance car in an insurer’s eyes.

How can I lower my high risk insurance premium?

This totally depends on the reason why your situation is considered ‘high risk’. If it’s down to points on your licence or a driving disqualification, attending driver awareness or rehabilitation courses and taking an advanced driving course can help lower premiums.

If you own a high value vehicle, discounts can be applied for enhanced vehicle security, secure parking and limited mileage. We also offer owners club discounts.

Ultimately, if you’re deemed a high risk driver, reaching out to a specialist car insurance broker is the best way to save money on your insurance premium.

What counts as a high value car?

Treasured classic cars, supercars and hypercars often require a higher level of cover than standard cars because of their high value.

Generally, we would classify a car as high value if it’s worth £75,000 and above.