Why Compare Convicted Rider Motorbike Insurance?
Brokers Who Specialise in Convicted Rider Cover
Clean Green Cars introduces you to specialist brokers experienced with motorbike insurance for riders with driving convictions. Whether you have points for speeding, drink driving, or another offence, specialist brokers may be able to find suitable cover.
Convicted Rider Premiums Vary Widely
The impact of a conviction on your motorbike insurance could differ considerably between providers. One insurer may decline to quote while another could offer cover at a more competitive price, making comparison particularly valuable for convicted riders.
One Form for Multiple Specialist Quotes
Rather than contacting motorbike insurance brokers individually to disclose your conviction history, Clean Green Cars lets you complete one form and receive quotes from several specialists with no obligation to buy.
Convicted Rider Motorbike Insurance At A Glance
- Specialist brokers can arrange cover for riders with motoring or criminal convictions, including speeding, drink-drive, and drug-drive endorsements
- Cover is available at all three levels – third party only, third party fire and theft, and fully comprehensive – depending on your conviction and circumstances
- Premiums may be higher with an active conviction, but loadings could reduce as endorsements age and become spent
- Brokers who handle convicted riders know which insurers accept specific conviction codes and can tailor quotes to your situation
- Fill in the form above to compare quotes from specialist brokers who cover convicted motorcycle riders
What Is Convicted Rider Motorbike Insurance?
Convicted rider motorbike insurance is specialist cover designed for motorcyclists who have motoring or criminal convictions on their record. Standard insurers may decline to quote or apply significant premium loadings when convictions are disclosed. Specialist brokers work with a panel of insurers who accept convicted riders and understand how different endorsement codes affect risk.
Whether your conviction is for speeding, drink-driving, dangerous riding, or a non-motoring criminal offence, specialist brokers can search their panel for policies that match your circumstances. Cover is available for all motorcycle types, from 125cc commuters to larger touring bikes.
| Conviction Type | Typical Penalties |
|---|---|
| Speeding (SP30/SP50) | 3 to 6 points, minimum fine of £100, possible ban for excessive speed |
| Drink-Driving (DR10) | Minimum 12-month ban, unlimited fine, possible prison sentence |
| Drug-Driving (DG10) | Minimum 12-month ban, unlimited fine, up to 6 months in prison |
| Dangerous Riding (DD80) | Minimum 12-month ban, 3 to 11 points, unlimited fine, up to 2 years in prison |
| Careless Riding (CD10) | 3 to 9 points, discretionary ban, up to £5,000 fine |
| No Insurance (IN10) | 6 to 8 points, fixed penalty of £300 or unlimited fine at court |
Can You Get Motorbike Insurance With a Conviction?
Yes. Specialist brokers can arrange motorbike insurance for riders with most types of convictions, though premiums and available cover levels may vary depending on the offence.
The impact on your insurance depends on the type of conviction, the number of penalty points, and how long ago the offence occurred. Motoring convictions such as speeding (SP codes) typically have a smaller effect than drink-drive (DR codes) or dangerous driving (DD codes). Most convictions stay on your licence for 4 to 11 years, and insurers generally ask you to declare them for 5 years.
You must declare any unspent convictions when asked by your insurer. Failing to do so could invalidate your cover. Specialist brokers who work with convicted riders know which insurers accept specific conviction types. Clean Green Cars introduces you to these brokers, so you could compare quotes from providers experienced with convicted motorcyclists.
Who Needs Convicted Rider Motorbike Insurance?
Not every rider with a conviction needs specialist cover, but many do. If a mainstream insurer has declined your application or quoted a price that seems unreasonable, a specialist broker may be able to help. Here is who typically benefits from convicted rider motorbike insurance.
Riders With Speeding Endorsements
SP30, SP50, and other speeding codes are the most common motoring convictions. With a single endorsement, finding competitive motorbike cover is usually straightforward through specialist brokers who know which insurers price speeding fairly.
Riders With Drink or Drug-Drive Convictions
DR and DG codes carry heavier loadings, and many standard insurers decline. That rejection can feel final, but specialist brokers work with insurers who assess each case on its own merits, not just the code.
Riders With Dangerous or Careless Driving Offences
DD and CD codes can result in disqualification periods and significant premium increases. Specialist brokers understand the difference between a momentary lapse and a pattern, and know which insurers do too.
Riders With Criminal (Non-Motoring) Convictions
Some insurers ask about criminal convictions unrelated to driving. Specialist brokers know which providers focus on driving record rather than wider criminal history.
Riders Returning After a Ban
Getting back on a motorcycle after a disqualification means rebuilding your insurance record from scratch. Specialist brokers could source cover from providers who accept returning riders, even immediately after a ban.
Convicted Rider Motorbike Insurance Cover Levels
Choosing the wrong cover level could leave you out of pocket after an accident. Convicted rider motorbike insurance is available at three main levels, and the table below shows what each is designed to include. Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Damage to other vehicles and property | Included | Included | Included |
| Injury to other people | Included | Included | Included |
| Fire damage to your motorbike | Included | Included | Not included |
| Theft of your motorbike | Included | Included | Not included |
| Accidental damage to your motorbike | Included | Not included | Not included |
| Personal injury cover for you | May be included | Not included | Not included |
Cover Tip: Do not assume you are limited to third party only. Specialist brokers could source comprehensive motorbike cover even with a conviction. Always compare all three levels.
What Convicted Rider Insurance May Not Cover
A single exclusion could leave you liable for the full cost of a claim. Here is what convicted rider motorbike insurance typically may not cover.
Standard Exclusions
- Riding Without a Valid Licence - If you ride without the correct licence category for your motorcycle, a claim may be declined. This includes riding a bike that exceeds your licence restrictions.
- Undeclared Convictions - If you do not declare a conviction when asked, your insurer could invalidate your cover entirely. Always disclose all unspent convictions at quote stage and renewal.
- Riding Under the Influence - Riding while over the legal alcohol or drug limit may result in any claim being declined, even if you have a comprehensive policy.
- Racing or Track Use - Most policies exclude riding on a racetrack, at organised speed events, or any form of competitive motorsport unless specifically agreed with the insurer.
- Wear and Tear or Mechanical Failure - Motorbike insurance covers sudden damage, not gradual deterioration. Engine failure, tyre wear, and general mechanical breakdowns are not typically covered.
- Pillion Passengers on Learner Bikes - If your licence restricts you from carrying passengers, any claim involving a pillion rider may be declined. Check your licence conditions before carrying anyone.
Optional Extras Worth Considering
A standard policy covers the essentials, but convicted rider motorbike insurance can often be extended. These optional extras could be worth adding depending on how you use your bike.
May help cover the cost of replacing your helmet, gloves, and protective clothing if they are damaged in an accident or stolen, subject to policy limits and conditions.
May be needed if your motorbike breaks down away from home. Some policies include roadside assistance as standard, but many require it as an add-on, depending on your policy terms.
May help cover medical costs or provide a lump sum payment if you are injured while riding, subject to policy limits and conditions.
May be needed if you regularly carry a passenger. Not all policies include pillion cover as standard, so check your policy wording if this applies to you.
May help cover solicitor fees if you need to pursue an uninsured driver for damages after an accident, subject to policy limits and conditions.
May help cover the compulsory excess you would need to pay when making a claim. This can be especially useful if your insurer has applied a higher excess due to your conviction, depending on your policy terms.
What Affects the Cost of Convicted Rider Insurance?
Your conviction is one of several factors that could affect your motorbike insurance quote. Here are the key factors that could influence your premium.
| Key Factor | Impact on Your Price |
|---|---|
| Conviction Type | Drink-drive (DR) and drug-drive (DG) convictions typically carry the highest premium loadings. Speeding endorsements (SP codes) may have a smaller effect. |
| Number of Penalty Points | More points on your licence generally means a higher premium. Riders with 6 or more active points could see significant increases compared to those with 3. |
| Time Since Conviction | Premiums may reduce as your conviction ages. Most insurers apply the heaviest loading in the first 1 to 2 years after the offence date. |
| Motorcycle Engine Size | Larger engine bikes (over 600cc) typically cost more to insure than smaller machines. A 125cc commuter could attract a lower premium than a superbike. |
| Your Age and Riding Experience | Younger riders and those with less riding experience may pay more. Riders over 25 with several years of experience could see lower quotes. |
| Where You Keep Your Bike | Storing your motorbike in a locked garage could reduce your premium compared to keeping it on the street. Postcode also affects theft and accident risk ratings. |
| No Claims Bonus | If you have built up a no claims bonus, it could significantly reduce your quote. Some insurers allow you to protect your no claims bonus for an extra cost. |
| Voluntary Excess | Agreeing to a higher voluntary excess could lower your premium, but you would need to pay more if you made a claim. |
Price Insight: Your premium now is likely the highest it will be. As your conviction ages and your record stays clean, each renewal should bring the cost closer to what clean-licence riders pay.
Ways to Reduce Your Convicted Rider Insurance Cost
A conviction pushes your motorbike insurance premium up, but there are practical steps you could take to get a more competitively priced quote. Here are some ways to cut what you pay.
Compare From Specialist Brokers
Different brokers work with different insurers, and prices can vary significantly for convicted riders. Comparing across specialists is the most effective way to find a competitive price. Start above.
Choose a Smaller Engine Bike
If practical, riding a motorcycle with a smaller engine could reduce your premium. A 125cc attracts lower loadings than a litre sportsbike, especially with a conviction.
Store Your Bike Securely
A locked garage or behind a security gate could lower your premium. After a conviction, secure storage matters more to insurers than it does for clean-licence riders.
Build Up Your No Claims Bonus
Each claim-free year could reduce your premium at renewal. Some insurers offer a protected no claims bonus that keeps the discount stable even after a claim.
Pay Annually Instead of Monthly
Monthly payments include interest charges. On a conviction-loaded premium, paying upfront could save you a meaningful amount.
Consider a Telematics Option
Not widely available for motorcycles yet, but some insurers do offer telematics-style policies for riders. Ask your broker about options that could prove safe riding habits.
Saving Tip: Riding with a conviction already feels like an uphill struggle. Specialist brokers know which insurers give convicted riders a fair hearing rather than a blanket decline. Compare above.
How to Get Convicted Rider Motorbike Insurance
Getting motorbike insurance with a conviction can feel complicated, but specialist brokers handle it every day. Here is how the process works. Get started above when you are ready.
Share Your Details
Fill in the quote form at the top of this page. You will need your conviction details, licence information, and motorcycle registration. Be honest about all convictions - undisclosed offences could invalidate your cover.
Get Matched With Specialist Brokers
Clean Green Cars introduces you to brokers who specialise in convicted rider insurance. They work with insurers who accept riders with motoring and criminal convictions.
Compare Your Quotes
Review the quotes you receive from specialist brokers. Compare the cover levels, excesses, and any additional features included. Price is important, but so is the level of cover.
Choose Your Policy and Ride
Once you have found a policy that suits your needs and budget, the broker can arrange your cover. You could have your insurance documents the same day.
What Our Expert Says
Riders already feel exposed on the road. A conviction on top of that - whether speeding, drink-drive, or something else entirely - adds another layer of vulnerability. You know you need insurance, but finding cover when mainstream insurers have turned you away can feel like the system is designed to keep convicted riders off the road.
It is not. Specialist brokers work with insurers who assess convicted riders individually, looking at the full picture rather than applying blanket refusals. The type of conviction, how long ago it happened, and your riding history since all matter.
One thing is essential: be completely upfront about your convictions. Insurers will check, and any undisclosed offence could invalidate your entire policy. It is far better to declare everything and pay a fair price than to risk having a claim turned down when you need it most. Premiums do tend to come down as convictions age, so the quotes you see now are likely higher than what you could get at your next renewal.
Co-founder of Clean Green Cars
Common Convicted Rider Motorbike Insurance Questions
Can I get motorbike insurance with a criminal conviction?
Yes. Specialist brokers work with insurers who cover riders with both motoring and non-motoring convictions.
How much more does convicted rider motorbike insurance cost?
It varies widely. A single speeding endorsement may add a modest loading. Drink-drive or drug-drive codes could add significantly more.
Do I have to declare spent convictions for motorbike insurance?
Check your insurer’s declaration period. Some ask about the last 5 years. Unspent convictions must always be declared.
Can I get fully comprehensive motorbike insurance with a conviction?
Often yes, through specialist brokers. The availability depends on the conviction type and your overall history.
Will my motorbike insurance premium go down after my conviction is spent?
Usually yes. As convictions age and become spent, your loading should reduce at each renewal.
What happens if I do not declare a conviction on my motorbike insurance?
Your insurer could invalidate your entire policy. If you made a claim, it could be declined and you could be left personally liable.
Can I insure a high-performance motorbike with a conviction?
Possibly, but expect a higher premium. A smaller-engine bike may be more affordable while the conviction is active.
Do I need specialist motorbike insurance for a drink-drive conviction?
Usually yes. Most mainstream motorbike insurers decline DR codes. Specialist brokers know which providers still quote.
Can I get motorbike insurance straight after a driving ban?
Yes, through specialist brokers. Expect a higher premium at first, which should reduce as you build a clean record.
What Happens After I Submit My Details?
A specialist broker contacts you directly with quotes. There is no obligation to buy.
Search & compare quotes from UK Convicted Rider Motorbike Insurance Providers
Useful Resources
- GOV.UK – Riding a Motorcycle or Moped – Licence categories, CBT requirements, and what you can ride at each stage.
- GOV.UK – Penalty Points and Endorsements – How penalty points work, when they expire, and the totting-up disqualification system.
- GOV.UK – Check Your Driving Licence – View your licence details, endorsements, and penalty points online.
- GOV.UK – Drink-Drive Limits – Legal alcohol limits for drivers and riders in England, Wales, and Scotland.
