Compare Convicted Driver Insurance

Find the right Convicted Driver Insurance (Criminal Convictions and Driving Convictions) for your needs from the panel of specialist insurance providers

  • Criminal Convictions and Driving Convictions
  • Bankruptcy, IVA, Insurance Refusals, Cancellations or Special Terms
  • Accidents (AC10, AC20), Uninsured Vehicle (IN10)
  • Speeding (SP30, SP40 or an SP70), Totting up (TT99)
  • Comprehensive, Third Party Fire & Theft or Third Party Only
  • Van Insurance available for drivers with convictions
  • Instant insurance documents available
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Criminal Convictions

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Motoring Conviction Codes

A full list of motoring offences codes & the panel can provide car insurance quotes for all of them!

A Guide to Convicted Drivers Insurance

What you need to know…

Being convicted of a crime can make it very difficult to get car insurance. The reason for this is that people with convictions are statistically more likely to make a claim. A lot of insurance providers will not consider insuring convicted drivers, even if it’s not a driving-related conviction. Fortunately there are insurers who specialise in offering convicted drivers cover at an affordable price.

Finding Cover

When you’re looking for convicted drivers insurance online you should first decide on what level of cover you want. This will depend on a few factors, not least of which is your budget. It’s always important to shop around for your insurance, this is especially true when you have a conviction. Getting a lot of quotes is now very quick and convenient to do so there’s no excuse not to shop around as it could save you a great deal of money.

Declaring Convictions

If you have a conviction then you’re probably aware of the terms ‘spent’ and ‘unspent’. When your conviction is spent, this means that you’re no longer obligated to declare it. The amount of time that must pass before your conviction is spent will depend on its severity. If you have served more than 2 and a half years in prison then unfortunately your conviction will never be spent. For community service and fines, the conviction will be spent after 5 years. For prison sentences of 6 months or less, it is 7 years going up to 10 years for sentences between 6 months and 2 and a half years.

5 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, and with so many speeding cameras in the UK this comes as no surprise. When you get caught speeding, whether it’s by a speed check camera or you’re pulled over by the police, the punishment you receive will depend on how fast you were going. The minimum punishment for speeding is a £100 fine and 3 penalty points.

If you were caught driving in excess of 30mph over the speed limit then immediate disqualification is likely. If you have to go to Magistrates Court due to speeding then the punishment is also likely to be more severe, with fines ranging from £200 to £5,000.

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. The number of points you can get for speeding on the motorway is between 3-6. If you’ve been driving for less than 2 years then receiving 6 points on your licence will result in it being revoked.

3. IN10 – Using a vehicle uninsured against third party risks

Put simply - driving without insurance. Third party insurance is the minimum level of cover you need to be able to drive a vehicle legally in the UK. The purpose of third party insurance is to cover any other vehicles if you’re involved in a crash and you are at fault. The punishment for driving without insurance is severe, with 6 penalty points the minimum. An IN10 conviction will also stay on your driving licence for 4 years from the date of the offence.

4. CU80 – Breach of requirements as to control of the vehicle, mobile telephone etc

If you’re caught driving while using a mobile phone or other handheld device then this is the conviction you’ll face. Given how prevalent smart phones and tablets have become, it’s no surprise that this conviction is high up on the list. The punishment for being caught is a £60 Fixed Penalty Notice and 3 penalty points on your licence.

5. DR10 - Driving or attempting to drive with alcohol level above limit

AKA drink driving. The number of deaths and serious injuries caused by drink driving has decreased a lot over the last few decades, with more people now realising the potentially devastating consequences of driving under the influence. However there are still a significant number of convictions each year and being caught driving over the limit can result in you receiving up to 11 penalty points, depending on the circumstances. A DR10 conviction will stay on your licence for 11 years from the date of the offence.

Have you been convicted of any of the above offences?

If you’ve been convicted of any of the above offences then you might be worried that you won’t be able to get insurance at an affordable rate. However the panel of specialist insurance providers look at each case individually and aim to provide a policy that’s fair considering your unique circumstances. Click the quote button below now and you could be pleasantly surprised.

5 Most Common Driving Convictions for Women

1. SP30 - Exceeding statutory speed limit on a public road

Although much fewer women are convicted of speeding than men, it’s still by far the most common motoring offence for women. If you’re caught speeding then you’re going to receive a minimum punishment in the form of a £100 fine and 3 penalty points on your licence. You can receive up to 6 penalty points for speeding, depending on how fast you were going and whether it’s your first offence. If you’ve been driving for less than 2 years and receive 6 penalty points then 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. The punishment you receive for speeding on the motorway will depend on how much you were exceeding the speed limit by amongst other factors. You can receive 3-6 penalty points for this offence and it will stay on your licence for 4 years from the date of the offence.

3. CU80 - Breach of requirements as to control of the vehicle, mobile telephone etc

Mobile phones and other handheld devices are incredibly popular now and many people will attempt to use their phone while at the wheel. If you’re caught doing this then you will receive a £60 Fixed Penalty Notice and 3 points on your licence.

4. TS10 – Failing to comply with traffic light signals

If you are caught driving through a red light then you’ll receive 3 points on your licence and the conviction will stay on your licence for 4 years from the date of the offence.

5. IN10 - Using a vehicle uninsured against third party risks

If you are caught driving without any insurance then you will receive a minimum of 6 points on your licence and a maximum of 8 points. This conviction will stay on your licence for 4 years from the date of the offence.

Have you been convicted of any of these offences?

If you have a conviction for any of the offences listed above then you are likely worried that getting insurance at a reasonable rate is not possible. However there are specialist providers of convicted drivers insurance who offer quotes based on your unique circumstances.

Click the button below to get quotes now.

UK Driving Conviction 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

Saving Money

It’s always a good idea to take any steps you can to save money on convicted drivers insurance. Below are some tips on how to do this –

  • Drive Fewer Miles – Limited mileage policies are an excellent way to save money. Of course they’re not practical for everyone but if you don’t use your car all the time, then it’s definitely worth considering.
  • Pay Upfront – Paying for your policy upfront, rather than on a monthly basis is a great way to save money. Insurance providers will nearly always offer a good discount when you pay like this.
  • Get Multiple Quotes – This is always important when you want to save money. If you simply go with the first insurer you contact, you have no way of knowing if you’re paying too much.

Get Quotes Easily

Getting multiple quotes for convicted drivers insurance is now very quick and easy. When you have provided a bit of required information about your conviction and insurance requirements you will then be able to compare quotes from a panel of insurance providers who specialise in convicted drivers insurance. This is ideal since it gives you a true sense of what you should be paying for your cover. Simply click on the green button below and you can have access to your quotes within minutes!