Got a driving conviction? You can still get car insurance. Learn about specialist insurers, cost reduction strategies, and how to get back on the road legally.
Insurance available - Specialists cater to convicted drivers
Higher costs - Expect increased premiums initially
Improving situation - Costs reduce as convictions age
How different conviction types affect your insurance premiums
Speeding, mobile phone use, careless driving
Drink/drug driving, dangerous driving, racing
No insurance, driving without license, disqualification
Theft, fraud, violence, criminal damage
The impact of convictions decreases over time
Maximum premium impact
Recent convictions have the highest effect on premiums
Limited options, specialist insurers needed
High premium impact
Still significant effect but more options available
More mainstream insurers willing to quote
Moderate premium impact
Premiums start to reduce as conviction ages
Most insurers will provide quotes
Reducing premium impact
Effect diminishes significantly over time
Nearly full market access
Minimal/no impact
Most convictions no longer affect premiums
Full market access restored
Strategies to minimize the cost impact of your convictions
Get quotes from specialists, comparison sites, and direct insurers
Higher voluntary excess reduces premium but increases claim costs
Smaller, less powerful cars cost less to insure
Pass Plus or IAM courses can earn discounts with some insurers
Understanding your options in the insurance market
Best for: Drivers with minor/older convictions
Best for: Recent or serious convictions
Best for: Moderate convictions, improving drivers
How to successfully apply for insurance with convictions
Collect conviction details, court documents, and driving license information
Declare all convictions accurately - insurers will verify through databases
Try comparison sites, direct insurers, brokers, and specialist companies
Monthly payments may be available even if annual payment is expensive
Check for restrictions on driving times, passengers, or vehicle use
Shop around at renewal - your situation improves as convictions age
Failing to declare convictions can result in:
Insurers check databases and WILL discover undeclared convictions.
Common questions about insurance for convicted drivers