Cheap Convicted Driver Insurance

Made a mistake? You’re not alone and it shouldn’t mean your insurance costs should stay overly high!

We specialise in helping drivers with convictions get the insurance they need without the judgment or sky-high premiums. Whether it’s a driving ban, points, or a more serious conviction, we’ll work with you to find competitive cover that keeps you on the road fast, fair, and fuss-free.

If you have a motoring or criminal conviction, or a large number of points on your licence, standard car insurance can become very costly—or even impossible to get. “Convicted driver insurance” is a type of policy built specifically for motorists in that situation:

• It works like a regular car policy (Third Party Only, Third Party Fire & Theft, or Fully Comprehensive) but is designed for drivers with unspent convictions, bans or points.
• It matches your individual circumstances: the nature of your conviction, how long ago it happened, your vehicle, usage and more.
• It’s offered by specialist insurers or brokers who understand higher-risk drivers.

If you’ve been labelled “high-risk” by mainstream insurers, this type of cover provides a practical route back onto the road without extreme premiums.

Convictions affect your premiums for several reasons:

• Insurers view drivers with convictions as higher risk – that means higher premiums.
• The type of conviction matters: a speeding or careless driving conviction is treated less severely than a drink-driving or dangerous-driving offence.
• The number of points on your licence and how recently the offence happened both affect cost.
• Being banned or disqualified makes finding cover more difficult and expensive.
• The vehicle type, usage (commute vs. business), age, location, claims history – all still matter.

Because of these factors, there’s no “average” cost. However, as a rule: the more serious the offence and the more recent, the costlier the cover will be.

Even though you have convictions, the policy options remain similar to standard car insurance:

• Third-Party Only (TPO) – covers damage/injury you cause to others.
• Third-Party, Fire & Theft (TPFT) – adds cover if your car is stolen or catches fire.
• Fully Comprehensive – covers others + your own vehicle (fault or not).
• Add-ons are available: legal protection, excess protection, hire-car cover, personal accident cover, breakdown cover.

A conviction doesn’t mean you must settle for bare minimum cover, but you will need to pick a policy that suits your risk profile and budget.

Here are common offences that insurers will ask about:

• Drink driving convictions (DR10)
• Speeding convictions (SP30)
• Careless driving convictions (CD10)
• Dangerous driving convictions (DD10)
• Driving without insurance convictions (IN10)
• Totting up ban convictions

Even seemingly “minor” offences should still be declared — non-disclosure can lead to policy cancellation or claims being refused.

In the UK:

• Usually you must declare a conviction for at least five years from the offence date until it becomes “spent” under the Rehabilitation of Offenders Act 1974.
• Some insurers might ask about convictions older than five years or serious offences (e.g., “TT99” codes) for longer.
• Always check with the insurer what they require and be honest. Failure to disclose can void your policy.

Having a conviction doesn’t mean you’re banned from getting insurance, but you might face difficulties. If you’re refused:

• Compare quotes from multiple specialist insurers/brokers.
• Use brokers who specialise in convicted-driver or high-risk policies.
• Try widening your search: using telematics (“black box”) insurance, higher excess, or adjusting vehicle/usage.
• Be ready for higher premiums, but also for insurers who understand your situation.

While you can’t avoid the extra cost entirely, you can take steps to reduce it:

If you’ve got a motoring conviction, choosing the right broker matters:

• A specialist broker knows which insurers accept higher-risk drivers.
• They’ll guide you through which conviction details to declare, how to present your case, and best ways to reduce cost.
• They can help you compare across multiple providers — giving you a better chance of finding a fair premium.