Yes, but it costs more and not many insurers will cover you. Our table shows car insurance companies that offer car insurance to convicted drivers.

Insurers consider drivers with previous convictions, or points on their licence, more likely to be involved in expensive claims, so they charge them more.

Even though you will pay more, you can still cut the cost buy comparing policies to find the best deal.

What convictions are accepted?

Our table shows what convictions are accepted by each insurer, but most will still offer cover if you were previously convicted of:

  • Drink driving

  • Speeding

  • Non-driving related criminal convictions

Some insurers may also accept convictions for driving without insurance, dangerous driving and driving without a licence.

Check the policy before you apply for a quote to make sure you can get cover with your conviction, and be prepared to find that many insurers may charge you more as a result.

If you have been disqualified from driving, you cannot get a policy until you have served your ban.

Do you need to declare your 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. You can use the Unlock website to find out if your convictions are spent.

Your car insurance policy will be invalid if you do not declare your convictions, and any claim you make will be rejected.

How to find convicted driver insurance

Work out what level of cover you need, and then use our table to get as many quotes as possible.

Some insurers will charge you much more if you have previous convictions, or not cover you at all so it pays to get quotes from specialist companies.

There are other ways to reduce the cost of convicted driver cover, try these 10 top tips for cutting your car insurance costs.

Convicted driver insurance FAQs


Can I get car insurance with my driving convictions?


Yes, but only some providers will offer you cover and will likely charge you more for a policy.


Do I have to declare all my convictions?


Yes, you must declare all unspent convictions, however you do not have to declare them if you have served the rehabilitation period.


What happens if I do not declare my convictions?


Your insurance will be invalid, and any claims you make will be rejected. You also run the risk of being charged with insurance fraud.


Why does it cost more?


Drivers with convictions are considered a higher risk of making a claim or committing driving offences than the average driver so insurers charge more.


Can I drive without insurance?


No, it is a legal requirement to have at least third party car insurance cover to drive in the UK.


What happens if I do not have car insurance?


It is illegal to drive in the UK without insurance and you could face a fixed fine, six points on your licence and your car being seized and destroyed.

About our car insurance comparison


Who do we include in this comparison?


We include convicted driver insurance policies available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.