Convicted driver insurance

Find a range of quotes to help you find cheaper cover if you're a convicted driver.

  • Get a free quote in minutes
  • Compare and find convicted driver insurance deals from leading providers
  • Our service is simple, fast, reliable and at no extra cost to you
Powered By

Compare insurance for convicted drivers from leading providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

AXA Logo
Hasting Direct
More than logo

How to compare convicted drivers insurance


Enter your details

Enter a few details as this helps us to find the right car insurance so that we can provide our best quotes. You only need to give details about unspent convictions to a car insurance provider.


Compare quotes

We'll search our database of leading providers and show you the best deals we can find. If you’re a convicted driver, you may find it easier to get insurance if your conviction has no relation to driving offences.


Apply and save

Review all the details and simply pick the best car insurance deal for you and apply. We can help you find the right policy if you have a criminal record.

Can I get car insurance if I have driving convictions?

You can get insurance even if you have had a period when you were disqualified from driving but convicted driver insurance costs more and fewer insurers will cover you.

Drivers with previous convictions or points on their licence are statistically more likely to claim on their insurance policy, so their cover is more expensive. Especially for younger drivers.

The most common motoring convictions are speeding, driving without insurance and mobile device use behind the wheel.

The market remains competitive – many insurers recognise that responsible motorists make occasional mistakes. Even though you may pay more, you can still cut the cost by comparing quotes to find the best deal.

What driving insurance convictions are accepted?

Many insurers will still offer cover if you have been convicted of:

  • Drink driving

  • Speeding

  • Non-driving related criminal convictions

As mentioned, mobile devices have become widespread so driving offences for using them behind the wheel are rising, widening the insurance market for this offence.

Some insurers continue to accept convictions for driving without insurance, dangerous driving and driving without a licence. Check any policy before applying to make sure you can get cover for a conviction – but be prepared to be told by an insurer they will charge you more.

If you have been disqualified from driving, you cannot get a policy until you have served your ban. You can check your own penalty points or disqualifications by reading your online driving record.

You’ll need your driving licence number, National Insurance number and the postcode on your driving licence to do this.

Do I need to declare my driving convictions?

Yes, you must declare any unspent convictions when asked by your insurer. When you have served the rehabilitation period of your conviction it becomes spent and you no longer have to disclose it.

Though penalty points are erased from your licence after four years, points for more serious offences can stay on your record for up to 11 years.

You can use the Unlock website to check if your convictions are spent. Your car insurance policy will be invalid if you do not declare your convictions and any claim you make can be rejected.

How to find convicted driver insurance

Work out the cover level you need and get as many quotes as possible. Many insurers charge you more if you have previous convictions – or will simply refuse to cover you. So it often pays to get quotes from specialist companies.

There are other ways to reduce the cost of convicted driver cover. You could try these top ten easy ways to cut your car insurance costs.

Consider a lower-powered or smaller car also. Modern small cars are cleverly designed to maximise compact dimensions. Smaller engined cars are often more powerful than their size suggests, thanks to modern technology.

Choosing wisely should lower your car’s Group Rating Panel, organised and run by Thatcham Research. This rating runs from one (cheapest) to 50 (the most expensive to insure).

Why not check your vehicle’s security rating? Or research for another car’s rating so you can compare it?

Convicted driver insurance FAQs

Get car insurance quotes

Compare quotes to protect your car with the right cover.

Explore car insurance guides


How driving an electric vehicle can save you money

Driving an electric vehicle is a great option for those looking to reduce their carbon footprint. However, it can also be a great option if you are hoping to keep your driving costs low.

Read More
Disabled driver, woman, wheelchair

Disabled drivers' car insurance rules explained

How does having a disability impact what you pay for insurance and are there any financial benefits or services available to help? We explain all

Read More
Footballers kicking ball

How your occupation effects your car insurance premium

This guide explains why your occupation counts when looking for car insurance. It also reveals the job titles insurers like and dislike.

Read More

Why compare car insurance with

By comparing car insurance, UK car owners could save money on their policy. The best value car insurance will offer the cover at an affordable price. Choose a cover plan from the best UK car insurance companies and see the online discounts they offer.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

stevie award
WMA 2021 Logo-768x632
nba logo
logo dma
ecommerce awards

Car Insurance comparison is provided by which is a trading name of Limited who are authorised and regulated by the Financial Conduct Authority. Registered office; Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, registered in England and Wales 03857130. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy. is an intermediary and receives a percentage of the commission if you decide to buy through us.

Last updated: 7 March, 2022