Compare convicted driver insurance
Find the right convicted driver insurance (criminal and driving convictions) for you, from a panel of specialist insurance providers
Get a quote and instant access to your insurance documents for:
- Criminal convictions and driving convictions
- Bankruptcy, IVA, insurance refusals, cancellations or special terms
- Accidents (AC10, AC20), uninsured vehicles (IN10)
- Speeding (SP30, SP40 or an SP70), Totting up (TT99)
- Comprehensive, third party fire & theft or third party only
- Van Insurance for drivers with convictions
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All you need to know about convicted drivers insurance
Being convicted of a crime can make it very difficult to get car insurance. Why? Because people with convictions are statistically more likely to make a claim. This means many insurance providers won’t consider insuring convicted drivers, even if their offence was driving related.
Fortunately, there are insurers who specialise in offering convicted drivers cover at an affordable price.
If your conviction is unspent you must declare it when getting car insurance. The amount of time between your conviction and when it is spent will vary depending on its severity.
- For community service and fines, convictions will be spent after 5 years
- For prison sentences of six months or less, they will be spent after 7 years, increasing to 10 years for sentences from six months to two-and-a-half years
- Any convictions where you have served more than two-and-a-half years in prison will never be spent
How to save money on your insurance
- Decide on your cover – choose what level of insurance cover you want. This will depend on your needs and your budget
- Drive fewer miles – limited mileage insurance policies are cheaper and great if you don’t use your car all the time
- Pay upfront – most insurance providers will offer a good discount if you pay your policy upfront, rather than monthly
- Shop around – get multiple quotes, especially if you have a conviction. This will help you compare prices from different insurers
- Instant insurance documents available
Get quotes easily
All you need to do to get instant quotes, is provide some simple information about your conviction and insurance needs. A panel of specialist convicted drivers insurance providers will then find the right cover for you – in minutes!
Five most common driving convictions for men
1. SP30 - Exceeding statutory speed limit on a public road
Speeding is by far the most common driving conviction for both men and women. Whether you get caught by a speed camera or pulled over by the police, the punishment will depend on how fast you were driving. The minimum is a £100 fine and three penalty points, ranging up to £5,000 for more severe offences.
Anyone driving more than 30mph over the speed limit will likely be immediately disqualified.
2. SP50 - Exceeding speed limit on a motorway
Convictions for speeding on the motorway are less common but still rank as the second highest offence for men and women, with offenders likely to receive between three and six points on their licence. Anyone who has been driving for fewer than two years and has six points, will have their licence revoked.
3. IN10 - Using a vehicle uninsured against third party risks (driving without insurance)
To be able to drive a vehicle legally in the UK, you must have third party car insurance cover at a minimum is the minimum. This is to cover any other vehicles in case you are involved in a collision and you are at fault. Driving without insurance will result in at least six points on your licence – and they’ll stay there for at least four years too.
4. CU80 - Breach of requirements as to control of the vehicle, mobile telephone etc
As the use of smart phones and tablets has increased, so too has the number of people being caught driving while using them. Anyone caught will get a £60 fixed penalty licence and three points on their licence.
5. DR10 - Driving or attempting to drive with alcohol level above limit (drink driving)
Despite a drop in the number of deaths and serious injuries caused by drink driving, it’s still in the five most common driving offences for men. Being caught driving over the limit can result in up to 11 penalty points, with a conviction staying on your licence for 11 years.
Five most common driving convictions for women
1. SP30 - Exceeding statutory speed limit on a public road
Although far fewer women are convicted of speeding than men, it’s still by far the most common motoring offence for women. Punishments range from a £200 and three penalty points to six penalty points – depending on how fast you were going and whether it’s your first offence.
If you’ve been driving for less than two years and receive six penalty points, your licence will be revoked.
2. SP50 - Exceeding speed limit on a motorway
Again, much fewer women are convicted of speeding on the motorway compared to men but it still ranks as the second most common offence. Offenders will receive between three and six penalty points, and they’ll stay there for four years from the date of the offence.
3. CU80 - Breach of requirements as to control of the vehicle, mobile telephone etc
More people are being convicted of using their phone or tablet while at the wheel these days. Getting caught will land you with a £60 fixed penalty notice and three points on your licence.
4. TS10 - Failing to comply with traffic light signals
Getting caught driving through a red light will add three points to your licence, with the conviction staying on your licence for four years from the date of the offence.
5. IN10 - Using a vehicle uninsured against third party risks (driving without insurance)
The punishment for driving without any insurance is between six and eight points on your licence – and they’ll stay there for four years.
What if you have been convicted of any of these offences?
Have you been convicted of any of these driving offences? Worried about getting affordable car insurance? Look no further – a panel of specialist insurance providers can find the right policy for you.
Click the button below to get quotes now.
UK driving conviction codes
Been convicted of another offence? You can get quotes for a panel of conviction insurance specialists no matter what the offence. Check out our full list of UK driving convictions codes
- AC10 Failing to stop and/or give particulars after an accident
- AC20 Failing to give particulars or report accident within 24 hrs
- AC30 Undefined accident offences
- BA10 Driving while disqualification by order of the Court
- BA20 Driving while disqualified as under age
- BA30 Attempting to drive while disqualified by order of the Court
- CD10 Driving without due care and attention
- CD20 Driving without reasonable consideration for other road user
- CD30 Driving without due care and attention or without reasonable consideration
- CD40 Causing death - careless driving when unfit through drink
- CD50 Causing death - careless driving when unfit through drugs
- CD60 Causing death - careless driving with alcohol level above limit
- CD70 Causing death - careless driving - failing to supply specimen
- CU10 Using a vehicle with defective brakes
- CU20 Using a vehicle with parts or accessories in dangerous condition
- CU30 Using a vehicle with defective tyres
- CU40 Using a vehicle with defective steering
- CU50 Causing or likely to danger by reason of load or passengers
- CU60 Undefined failure to comply with Construction and Use Regulations
- DD10 Driving in a dangerous manner
- DD20 Driving at a dangerous speed
- DD30 Reckless driving
- DD40 Dangerous driving
- DD50 Causing death by dangerous driving
- DD60 Manslaughter or culpable homicide while driving a vehicle
- DD70 Causing death by reckless driving
- DD80 Causing death by dangerous driving
- DR10 Driving or attempting to drive with alcohol above limit
- DR20 Driving or attempting to drive while unfit through drink/drugs
- DR30 Driving or attempting to drive/refusing or failing to supply specimen
- DR40 In charge of vehicle while alcohol level above limit
- DR50 In charge of vehicle while unfit through drink or drugs
- DR60 Failure to provide specimen for analysis other than driving
- DR70 Failure to provide specimen for breath test
- DR80 Failure or attempting to drive when unfit through drugs
- DR90 In charge of a vehicle when unfit through drugs
- IN10 Using a vehicle uninsured against third party risks
- LC10 Driving without a licence
- LC20 Driving while under age. Driving other than in accordance
- LC30 Driving after making a false declaration about fitness
- LC40 Driving a vehicle having failed to notify a disability
- LC50 Driving after a licence has been revoked or refused medical
- MS10 Leaving a vehicle in a dangerous position
- MS20 Unlawful pillion riding
- MS30 Play street Offences
- MS40 Driving with uncorrected defective eyesight or refusing test
- MS50 Motor racing on the highway
- MS60 Offences not covered by other codes
- MS70 Driving with uncorrected defective eyesight
- MS80 Refusing to submit to an eyesight test
- MS90 Failure to give information as to identity of driver etc.
- NE99 Non-endorsable criminal Act
- MW10 Contravention of Special Roads Regulations
- PC10 Undefined Contravention of a Pedestrian Crossing Regulation
- PC20 Contravention of Pedestrian Crossing Regulations - Moving vehicles
- PC30 Contravention of Pedestrian Crossing Regulations - stationary vehicles
- PL10 Driving without 'L' plates
- PL20 Not accompanied by a qualified person
- PL30 Carrying a person not qualified
- PL40 Drawing an unauthorised trailer
- PL50 Undefined failure to comply with conditions of Provisional
- S 19 Disqualification ("totting - up" procedure)
- S 35 Disqualification ("totting-up" procedure)
- SP10 Exceeding goods vehicle speed limits
- SP20 Exceeding speed limit for type of vehicle
- SP30 Exceeding statutory speed limit on a public road
- SP40 Exceeding passenger vehicle speed limit
- SP50 Exceeding speed limit on a motorway
- SP60 Undefined speed limit offence
- TS10 Failing to comply with traffic light signals
- TS20 Failing to comply with double white lines
- TS30 Failing to comply with a 'Stop' sign
- TS40 Failing to comply with direction of a constable or warden
- TS50 Failing to comply with traffic sign
- TS60 Failing to comply with a school crossing patrol sign
- TS70 Undefined failure to comply with a traffic direction or sign
- TT99 To signify disqualification under "totting-up" procedure
- UT10 Taking and driving away without consent or attempt thereat
- UT20 Stealing or attempting to steal a vehicle
- UT30 Going equipped for stealing or taking a vehicle
- UT40 Taking/driving/be carried in a vehicle without consent
- UT50 Aggravated taking of a vehicle
- XX99 To signify a disqualification under "totting-up" procedure
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What is Conviction Insure?
Conviction Insure allows UK drivers with motoring convictions, criminal convictions and financial problems (eg bankruptcy, IVA etc) to obtain and compare insurance quotes in a quick and easy manner. Your details are forwarded to a panel of Insurance specialists to give you access to multiple quotes without having to do the legwork. The panel of insurance providers can offer cover for almost any type of criminal and motoring convictions including DR10, SP50, CD10 etc together with cover for people who are bankrupt or in an IVA.
How does Conviction Insure Work?
All you have to do to get quotes is click the green quote button on one of the insurance pages. You'll then be asked for some basic information about yourself and what you want from your policy. Then just browse through the quotes you're given and decide which one is right for you.