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Motoring Convictions

Get quick and easy access to more than 20 insurers for drivers with motoring convictions

Motoring Conviction Codes

See our full list of motoring offences codes and the panel can provide car insurance quotes for all of them!

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.

Declaring convictions

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 example:

  • 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.

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