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All you need to know about convicted driver car insurance

If you have a conviction, whether it’s for speeding or any other type of offence, then you might worry that you won’t be able to get convicted driver car insurance at an affordable rate. Fortunately, there are insurers who specialise in offering car insurance for convicted drivers at an affordable price. This means that getting cheap car insurance with points on your licence is very possible.

Quick Start Guide

  1. Always ensure that you disclose any unspent convictions to insurance providers since it could invalidate your policy if you do not
  2. If your conviction is spent then you normally don’t need to disclose it. Visit the Unlock Disclosure Calculator for further clarification
  3. If you have a conviction then insurance is likely to be more expensive and cover options may be limited
  4. Getting cover from specialist providers is one of the best ways to get convicted driver car insurance at an affordable rate

Declaring motoring convictions

If your conviction is unspent you must declare it when getting car insurance. The amount of time between your conviction and when it is spent will vary depending on its severity.

For example:

  • For community service and fines, convictions will be spent after 5 years
  • For prison sentences of six months or less, they will be spent after 7 years, increasing to 10 years for sentences from six months to two-and-a-half years
  • Any convictions where you have served more than two-and-a-half years in prison will never be spent

For more information on convictions and whether you need to declare them, visit the Unlock Disclosure Calculator.

 How to save money on car insurance for convicted drivers

  • Decide on your cover – choose what level of insurance cover you want. This will depend on your needs and your budget
  • Drive fewer miles – limited mileage insurance policies are cheaper and great if you don’t use your car all the time
  • Pay upfront – most insurance providers will offer a good discount if you pay your policy upfront, rather than monthly
  • Shop around – get multiple quotes, especially if you have a conviction. This will help you compare prices from different insurers
  • Instant insurance documents available

Get quotes easily

All you need to do to get instant quotes, is provide some simple information about your conviction and insurance needs. A panel of specialist convicted drivers insurance providers will then find the right cover for you – in minutes!

Five 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. Whether you get caught by a speed camera or pulled over by the police, the punishment will depend on how fast you were driving. The minimum is a £100 fine and three penalty points, ranging up to £5,000 for more severe offences.

Anyone driving more than 30mph over the speed limit will likely be immediately disqualified.

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, with offenders likely to receive between three and six points on their licence. Anyone who has been driving for fewer than two years and has six points, will have their licence revoked.

3. IN10 – Using a vehicle uninsured against third party risks (driving without insurance)

To be able to drive a vehicle legally in the UK, you must have third party car insurance cover at a minimum is the minimum. This is to cover any other vehicles in case you are involved in a collision and you are at fault. Driving without insurance will result in at least six points on your licence – and they’ll stay there for at least four years too.

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

As the use of smart phones and tablets has increased, so too has the number of people being caught driving while using them. Anyone caught will get a £60 fixed penalty licence and three points on their licence.

5. DR10 – Driving or attempting to drive with alcohol level above limit (drink driving)

Despite a drop in the number of deaths and serious injuries caused by drink driving, it’s still in the five most common driving offences for men. Being caught driving over the limit can result in up to 11 penalty points, with a conviction staying on your licence for 11 years.

Five most common driving convictions for women

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

Although far fewer women are convicted of speeding than men, it’s still by far the most common motoring offence for women. Punishments range from a £200 and three penalty points to six penalty points – depending on how fast you were going and whether it’s your first offence.

If you’ve been driving for less than two years and receive six penalty points, 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. Offenders will receive between three and six penalty points, and they’ll stay there for four years from the date of the offence.

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

More people are being convicted of using their phone or tablet while at the wheel these days. Getting caught will land you with a £60 fixed penalty notice and three points on your licence.

4. TS10 – Failing to comply with traffic light signals

Getting caught driving through a red light will add three points to your licence, with the conviction staying on your licence for four years from the date of the offence.

5. IN10 – Using a vehicle uninsured against third party risks (driving without insurance)

The punishment for driving without any insurance is between six and eight points on your licence – and they’ll stay there for four years.

Did you know…?

There are many ways to cut down the cost of convicted driver car insurance, such as making your car more secure and limited your cover options.

Disqualified driver

Disqualification from driving is another common conviction. You might be disqualified from driving either because you committed a serious road traffic offence or because you received 12 or more points on your driving licence within a 3 year period. The amount of time you’re disqualified from driving will depend on the severity of the offence –

  • 6 month ban – This is a standard disqualification period if you receive 12 or more points on your licence within a 3 year period
  • 12 month ban – If you get a 2nd disqualification within 3 years then you’ll be banned for 12 months
  • 24 month ban – A 3rd disqualification will result in a 24 month ban

If you are banned from driving for more than 56 days then you have to apply for a new driving licence before you’re able to drive again. You can appeal to have your disqualification period reduced as follows:

  • If you have a disqualification period between 2-4 years then you can appeal after 2 years
  • For ban periods between 4-10 years then you can appeal once half the period is completed
  • If your disqualification is for over 10 years then you can appeal after 5 years


What if you have been convicted of any of these offences?

Have you been convicted of any of these driving offences? Worried about getting affordable car insurance? Look no further – a panel of specialist insurance providers can find the right policy for you.

Convicted Driver Insurance FAQ

How Long Does a Conviction Stay on my Driving Record?

An endorsement starts from either the date you committed the offence or the date you were convicted of the offence and can stay on your driving license for 4 or 11 years depending on what you were convicted of.

Examples of offence codes and their endorsement periods

If you receive a DD40, DD60 or DD80 endorsement on your license, which depicts an offence of reckless or dangerous driving and if it results in you being disqualified from driving, this will stay on your license for 4 years from the date of conviction. Other offences include:

  • BA10, BA30 – disqualification
  • SP10, SP20, SP30, SP40, SP50 – speeding
  • IN10 – driving without insurance
  • AC10, AC20, AC30 – accident offences
  • CD10, CD20, CD30, CD40, CD50, CD60, CD70, CD80, CD90 – careless driving

All of the above and others including license offences, motorway offences and theft/unauthorised taking offences all attract endorsements which will stay on your license for 4 years.

Serious infringements

More serious offences such as drink driving attract anything between 3 – 11 points on your license and the endorsement codes DR10, DR20, DR30, DR31 and DR61 will stay on your license for 11 years. Codes DR40 and DR90 will stay on for 4 years. Drug driving offence codes DG10, DG60 and DG80 will also stay on for 11 years whilst DG40 will remain on for years. The offences of causing death by dangerous driving while under the influence of drink or drugs – CD40, CD50, CD60 – or causing death by dangerous driving and failing to provide a sample for analysis – CD70 – also stays on for 11 years.

If you receive a driving ban for any offence or you have 12 or more penalty points on your license this can last anything from 6 to 24 months or up to 3 years for drink driving (if you are convicted twice within 3 years).

The consequences of having endorsements on your driving record can have far-reaching effects, not least the damage it will do to your motor insurance premiums which will likely increase by a significant amount and some insurers may refuse to insure you.

Luckily a specialist in convicted driver car insurance will be able to help should you find yourself in this unfortunate

What factors affect the cost of convicted driver car insurance?

There are several factors that affect the cost of a car insurance policy when you have a conviction. The main ones are –

  • Your age
  • The value of your vehicle
  • Where it’s parked
  • The type of conviction you have

Can I get more than one person added to a convicted drivers insurance policy?

Yes. Although the cost of the policy will still be affected by any persons named on it who have unspent convictions.

Do warnings and cautions count as convictions when applying for car insurance?

No. Convictions are crimes that you were found guilty of in court. If you received a verbal warning or caution from the police, say example for speeding, then this does not count as a conviction.

Can I get van insurance if I have motoring convictions?

Yes. If you have a van rather than a car then checkout our van insurance for convicted drivers page.