Convicted Driver Insurance
Young drivers with convictions can find it difficult to find affordable car insurance, so if you're struggling to find a good deal, get in touch with us for a quote. Whether you have motoring or non-motoring convictions, our specialist help for hard-to-cover young drivers could get you back on the road, fast.
We can quote for car insurance with just about any conviction, including:
- convictions for driving without insurance (IN10)
- careless driving convictions (CD10 to CD90)
- penalty points for speeding (SP10 to SP50)
- previously been banned or disqualified from driving (BA10 to BA60)
- penalty points/convictions for drink driving (DR10 to DR70)
- penalty points/convictions for drug driving (DG10 to DG60)
- convictions for dangerous driving (DD10 to DD90)
- convictions for failing to stop after an accident (AC10 to AC30)
- traffic light offences (TS10 to TS70)
- mobile phone offences (CU80)
- non-motoring convictions
- ...and more
Why is insurance so expensive for convicted drivers?
Statistically, young drivers are more prone to convictions than older drivers with more experience. Even minor convictions can mark you as a higher risk to an insurer because you are deemed more likely to be involved in an accident and make a claim. This can make it difficult for a convicted young driver to get insurance at all.
4YoungDrivers has been specialising in non-standard insurance for years now; our contacts with many leading companies means we can often find cheaper insurance for convicted drivers.
What convictions must you declare to an insurer?
It’s not only driving convictions which must be declared when you apply for car insurance. You must be open about any “unspent” criminal convictions. Not doing so could invalidate your insurance in the event of making a claim.
A conviction becomes spent and can be ignored after a certain period, the length of which depends on your sentence. This government document provides details about The Rehabilitation of Offenders Act 1974 and tells you when your conviction is deemed spent.
After this time you can ignore your conviction and don’t need to mention it when you contact an insurance company.
How convicted drivers can get lower insurance
Once you’ve found an insurer willing to cover you there are a few options for convicted drivers to lower their insurance
Higher Insurance Excess
The excess is the portion of an insurance claim which the insured must pay themselves. There is usually a compulsory excess set by the insurance company themselves but a convicted driver can sometimes reduce their premium by offering to pay a higher, voluntary excess. Be realistic though; don’t agree to have an excess that’s so high that you wouldn’t be able to pay it in the event of a claim.
Drivers with higher annual mileage often pay higher premiums. Convicted drivers might be able to reduce their car insurance if they restrict their annual mileage.
You may want to consider installing a black box (also known as telematics), which can lead to cheaper insurance for some drivers. Your insurance costs would depend on:
- How many journeys you make
- How far you drive
- Your speed, acceleration and braking
- And more