Why Compare Convicted Driver Insurance Through CGC
Access To Specialist Brokers
Standard insurers routinely decline or heavily load premiums for convicted drivers. CGC connects you with specialist brokers who operate in this market daily and understand how conviction codes affect risk assessment.
All Conviction Types Considered
From a single SP30 speeding code to a DR10 drink driving conviction, specialist brokers can seek quotes across a wide range of offence types and severities. Do not assume your conviction is too serious to compare.
Your Record Changes Over Time
Most convictions remain on your licence for 4 to 11 years depending on the code. As your conviction ages, your risk profile improves - comparing quotes at each renewal can reveal meaningful premium reductions.
Convicted Driver Insurance At A Glance
- Over 70 individual conviction code guides available on this site to help you understand what your code means for your insurance.
- Covers car, van, motorbike, and temporary insurance for drivers with motoring convictions.
- Comprehensive, third party fire and theft, and third party only cover may all be available depending on your circumstances.
- Convictions become spent after set rehabilitation periods. Your premium could reduce as your conviction ages.
- Telematics policies could help rebuild your driving record and reduce loadings over time.
- Click the green button above to compare quotes from specialist convicted driver insurance brokers.
Who Needs Convicted Driver Insurance?
Anyone with a live motoring conviction code on their DVLA licence record must declare it to insurers when arranging cover. Failing to disclose a conviction can void your policy entirely, leaving you uninsured and potentially liable for prosecution.
Standard insurers often decline applications outright or apply significant premium loadings for conviction holders. Specialist brokers are experienced in placing cover for drivers across all conviction categories, including multiple endorsements.
You are likely to need specialist convicted driver insurance if your licence shows any of the following code groups:
- SP codes - Speeding offences (e.g. SP30, SP50)
- CD codes - Careless or inconsiderate driving
- DR codes - Drink driving offences (e.g. DR10, DR20)
- DG codes - Drug driving offences (e.g. DG10)
- DD codes - Dangerous driving offences
- IN codes - Insurance-related offences (e.g. IN10 no insurance)
- MS codes - Miscellaneous offences (e.g. MS90 failure to give information)
- TT codes - Totting up disqualifications
Specialist brokers can seek competitive quotes even where multiple convictions or a recent disqualification are present.
Cover Levels Available To Convicted Drivers
Convicted drivers are not restricted to basic cover. Specialist brokers can seek third party only, third party fire and theft, or comprehensive policies depending on your conviction profile, vehicle, and circumstances.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Third Party Liability (injury/property damage to others) | yes | yes | yes |
| Fire Damage to Your Vehicle | yes | yes | no |
| Theft of Your Vehicle | yes | yes | no |
| Accidental Damage to Your Own Vehicle | yes | no | no |
| Windscreen and Glass Cover | yes | no | no |
| Courtesy Car (subject to conditions) | yes | no | no |
| Legal Expenses (optional add-on) | yes | yes | no |
Policy features and cover levels vary between providers. Always check the policy schedule before purchase.
Standard Exclusions And Limitations
Convicted driver policies carry the same general exclusions as standard motor insurance, plus specific conditions relating to disclosure and conviction history. Understanding these before purchase avoids claims being declined.
Standard Exclusions
- Non-Declaration of Conviction - Failing to disclose a motoring conviction at inception or renewal is material non-disclosure and will void the policy. All conviction codes must be declared regardless of penalty points or sentence received.
- Driving Outside Policy Terms - Using the vehicle for purposes not listed on the policy - such as hire and reward, courier work, or business use where only social use is declared - will invalidate cover.
- Undeclared Named Driver Convictions - Any named driver added to the policy who holds an undeclared conviction may invalidate cover for incidents involving that driver. All named drivers must be declared accurately.
- Driving Whilst Disqualified - No motor insurance policy covers driving during a period of disqualification. Doing so is a criminal offence under s.103 Road Traffic Act 1988.
Important Limitations
- Mileage Limit Breaches - Some convicted driver policies impose annual mileage caps. Exceeding the declared mileage can reduce or void a claim - keep mileage declarations accurate and update the broker if usage increases.
- Vehicle Modification Restrictions - Non-standard modifications to the insured vehicle may be excluded unless declared and agreed in writing by the insurer. This is more strictly applied on some specialist convicted driver policies.
- Young or Inexperienced Named Drivers - Adding a young or newly-qualified named driver to a convicted driver policy may be declined or subject to additional loading. Check with the broker before adding named drivers.
- Conviction Occurring After Inception - A new conviction received during the policy term must be declared to the broker immediately. Failure to notify mid-term may affect the validity of the policy and may result in cancellation.
Optional Cover Add-Ons
Most specialist convicted driver policies support the same optional add-ons as standard motor insurance. Availability and pricing vary - confirm with your broker at the point of quote.
Roadside assistance and recovery can be added to most convicted driver policies. Cover levels range from roadside-only to nationwide recovery and onward travel - confirm availability with your broker as options vary by policy.
Covers legal costs following a non-fault road traffic incident. Typically includes uninsured loss recovery and representation at court. Available as a paid add-on on most specialist convicted driver policies.
Covers the cost of replacing or re-coding keys lost, stolen, or damaged. A low-cost add-on worth considering given the high replacement cost of modern transponder keys.
Reimburses your policy excess following a claim where you are at fault. Particularly useful on convicted driver policies where compulsory excesses may be higher than on standard policies.
What Affects The Cost Of Convicted Driver Insurance?
Premiums for convicted driver insurance are shaped by several factors beyond the conviction itself. Understanding these helps you present your risk accurately and compare quotes on an informed basis.
| Key Factor | Impact on Your Price |
|---|---|
| Conviction Type and Severity | Serious offences such as DR10 drink driving or DD40 dangerous driving carry far greater premium loadings than minor speeding codes like SP30 - the code on your licence is the single largest rating factor. |
| Age of Conviction | A conviction from five years ago is assessed very differently from one received last month - as your conviction ages within its endorsement period, the premium loading typically reduces at each renewal. |
| Number of Convictions | Multiple endorsements on a licence signal a pattern of risk to insurers and will increase premiums significantly compared to a single isolated conviction. |
| Driver Age | Young drivers under 25 with convictions face the largest loadings because age-related risk compounds conviction risk - older drivers with a single older conviction are rated more favourably. |
| Vehicle Type and Value | High-performance or high-value vehicles increase the potential cost of a claim and attract higher premiums for convicted drivers - a standard hatchback will typically be cheaper to insure than a performance car. |
| Annual Mileage | Lower annual mileage reduces exposure and can modestly reduce premiums - declaring an accurate, reduced mileage figure (if genuinely lower) is a legitimate way to improve your quote. |
Premium estimates vary significantly between specialist brokers. Comparing multiple quotes gives you the best view of the market rate for your specific conviction profile.
How To Reduce The Cost Of Convicted Driver Insurance
Convicted driver premiums can be higher than standard rates, but there are practical steps you can take to reduce the cost at renewal or when first arranging cover after a conviction.
Add An Experienced Named Driver
Adding a named driver with a clean, long-term licence can help offset the risk profile of the policyholder in some cases. The named driver must genuinely use the vehicle - fronting is fraud and will void the policy.
Increase Your Voluntary Excess
Offering a higher voluntary excess reduces the insurer's exposure on smaller claims and typically lowers the premium. Make sure the excess level you choose is affordable if you do need to claim.
Reduce Your Annual Mileage
If your driving needs have genuinely decreased, declare a lower annual mileage. Less time on the road means less exposure - but never understate mileage, as this can affect a claim.
Improve Vehicle Security
Fitting a Thatcham-approved alarm, immobiliser, or tracker can reduce theft and recovery costs - some specialist brokers will reflect this in the premium, particularly for higher-value vehicles.
Complete A Rehabilitation Course
For certain drink or drug driving convictions, completing an approved rehabilitation course can reduce the disqualification period under s.34A Road Traffic Offenders Act 1988. Some insurers view course completion favourably when rating the risk.
Compare Quotes At Every Renewal
As a conviction ages, your risk profile improves and the specialist broker market may offer better terms than the previous year. Auto-renewing without comparing can mean paying more than necessary.
Always compare quotes at renewal - the specialist broker market for convicted drivers is competitive and pricing can shift significantly year on year as your conviction history ages.
How To Get Convicted Driver Insurance Through CGC
Getting a quote for convicted driver insurance is straightforward when you have the right information to hand. CGC connects you with specialist brokers who can seek quotes tailored to your conviction history.
Find Your Conviction Code
Locate the conviction code on your driving licence counterpart - it will appear as a two-letter prefix followed by two digits (for example SP30 or DR10). If you are unsure, the DVLA online licence check at gov.uk/view-driving-licence will show all current endorsements.
Use The Comparison Tool
Enter your conviction code, personal details, and vehicle information into the comparison form above. Be accurate with all conviction details - incorrect declarations can void a policy.
Compare Quotes From Specialist Brokers
CGC passes your details to specialist brokers who have access to insurers experienced in convicted driver risk. Review the quotes returned, noting cover levels, excesses, and any policy conditions specific to convicted drivers.
Check The Policy Terms And Purchase
Before purchasing, read the policy schedule carefully - pay particular attention to declared use, named driver conditions, and any conviction-specific endorsements. Once satisfied, complete your purchase directly with the broker.
What Our Expert Says
Motoring convictions cover a wide range of offences, from a single speeding endorsement to a drink driving ban. Each one carries a different code, and that code shapes how insurers assess risk.
Speeding codes like SP30 are the most common, and the insurance impact is usually manageable. At the other end of the scale, drink and drug driving codes can stay on a licence for 11 years. The age of the conviction matters almost as much as the offence itself.
Drivers with multiple codes face higher loadings because the combination signals a pattern, not just a one-off event. But even a single serious conviction can narrow the field of insurers willing to quote.
Rehabilitation periods vary by offence. Understanding when your conviction becomes spent, and how insurers treat convictions at different stages, could make a real difference to what you pay at renewal.
Insurance Expert & Co-founder of Clean Green Cars
Common Convicted Driver Insurance Questions
Do I Need To Know My Exact Conviction Code To Get A Quote?
Not always. Most specialist brokers can help identify your code based on the offence. However, having the exact code from your driving licence could speed up the process. You can check your codes at GOV.UK.
How Long Do I Need To Declare A Motoring Conviction?
Most motor insurers ask about motoring convictions from the last 5 years, and some ask about serious drink or drug driving offences for longer. You must answer these questions truthfully, even if the endorsement has been on your licence for several years, so always check your policy wording or ask your broker if you are unsure what to declare.
Will My Premium Go Down As My Conviction Gets Older?
In many cases, yes. Insurers typically reduce the loading on your premium each year as your conviction ages. Comparing quotes annually could help you find a more competitive price over time. A telematics policy could also help demonstrate safer driving habits.
Can I Still Get Comprehensive Cover With A Conviction?
Usually, yes. Comprehensive, third party fire and theft, and third party only cover are all typically available to convicted drivers through specialist brokers.
What Happens If I Do Not Declare A Conviction?
Failing to declare an unspent conviction could invalidate your entire policy. If you need to make a claim, your insurer may decline it and could cancel your cover. Check your driving licence record to confirm your current endorsements.
What Is The Difference Between Motoring And Criminal Convictions For Insurance?
Motoring convictions (SP, DR, CD codes etc.) relate to driving offences and appear on your driving licence. Criminal convictions are non-motoring offences. Both may need declaring, but they are handled differently by insurers. See the criminal convictions page for more detail.
What Happens After I Submit My Details?
Clean Green Cars introduces you to specialist convicted driver insurance brokers. They use your details to search for quotes from their range of insurers. You may be contacted by phone or email with your options. There is no obligation to buy.
Search & Compare Quotes From UK Convicted Driver Insurance Providers
Useful Resources
- GOV.UK - Penalty Points and Endorsements - How the penalty points system works, including how long points stay on your licence.
- DVLA - Check Your Driving Licence - View your current penalty points, endorsements, and conviction details online.
- Sentencing Council - Motoring Offences - Sentencing guidelines for motoring offences in England and Wales.
- GOV.UK - Drink Driving Penalties - Penalties for drink driving offences including fines, bans, and prison sentences.
- GOV.UK - Driving Disqualifications - Information about driving bans, totting up, and how to get your licence back.
