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Convicted driver insurance
Compare car insurance for convicted drivers.
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Can I get car insurance if I have a conviction?
Yes, but having a past conviction can make getting car insurance more expensive and challenging.
Insurance companies see people with convictions in their driving history as more likely to engage in reckless driving and have an accident, so they charge them higher premiums.
Some insurers might refuse to offer cover altogether. However, there are also specialist insurers who offer cover tailored to drivers with convictions.
What counts as a conviction?
Car insurers will generally ask about driving offences such as:
Speeding
Dangerous driving
But they may also apply restrictions and extra charges for other unspent criminal convictions, even if they aren’t related to driving.
How does car insurance work if I have a conviction?
Convicted driver insurance provides the same cover levels as standard car insurance. But it takes into account the higher risk levels that insurers tend to associate with individuals with criminal records.
This means it will likely be more expensive and harder to find than standard car insurance.
After a set period of time (known as a rehabilitation period) convictions are considered ‘spent’ under the Rehabilitation of Offenders Act 1974, which means that insurers must treat you as if the offences never happened, and you won’t have to declare them.
When will a driving conviction stop impacting my car insurance?
5 years*
Once your conviction is spent, you have no legal obligation to tell insurers about it, even if they ask.
* Rehabilitation periods differ varying on the offence. For most motoring convictions the rehabilitation period is five years.
How much is car insurance if I have a conviction?
These are the average prices our customers pay for car insurance. Your own quotes could be higher or lower depending on your individual circumstances.
Driving conviction
£660^
Non-driving conviction
£989^
No convictions
£513^
What convictions do I need to declare on my car insurance?
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You must declare any unspent convictions
A conviction stays on your record for varying amounts of time, meaning it’s ‘unspent’. Motoring offences like drink and drug driving or speeding are considered spent after five years.
If you don’t declare an unspent conviction, you risk invalidating your cover and committing fraud. This goes for all drivers on the policy, not just the main driver.
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You don’t need to declare spent convictions
You don’t need to tell your insurer about any spent convictions you might have – they won’t be able to count against you under the Rehabilitation of Offenders Act 1974.
Different offences have different rehabilitation periods. You can check if your conviction is considered spent on the UK government website.
How will my driving conviction affect my car insurance?
Car insurance for drink drivers
Drink driving is seen as a very serious offence by insurance companies due to the risk it poses to people's safety and property.
A conviction will significantly increase your premiums
You’ll have to pay a much larger voluntary excess
Car insurance for banned drivers
Drivers are disqualified from driving after accumulating 12 or more penalty points on their licence within three years.
If you’re disqualified you won’t be able to take out cover until you’ve served the ban
After the ban lifts your insurance will likely remain higher than average for some time
Car insurance with points
Driving offences all come with a number of penalty points (endorsements) attached.
the more points you have on your licence the higher your premiums are likely to be
Points will stay on your licence for between four and 11 years
Can I get car insurance after a driving disqualification?
You can generally get insurance after your driving ban has expired but it will be more expensive and harder to find than standard car insurance.
The cost of your insurance will depend on the reason for your disqualification and how long ago it was.
Code | Offence | Penalty points |
|---|---|---|
BA10 | Driving while disqualified by order or court | 6 |
BA30 | Attempting to drive while disqualified | 6 |
BA40 | Causing death by driving while disqualified | 3 to 11 |
BA60 | Creating serious injury by driving while disqualified | 3 to 11 |
Do I need to tell my insurer if I’m disqualified from driving?
Yes. If you have insurance already and you’re banned from driving, you’ll need to tell your insurer as soon as possible. Not reporting a disqualification will likely result in a breach of your policy.
If you have a temporary driving ban, you’ll no longer be able to drive and you’ll have to decide whether to keep your car insured or apply for a Statutory Off-Road Notice (SORN).
Once your ban is over, you can notify your insurer to see if they’ll still insure you. However, it may be worth getting new quotes and looking at specialist insurance providers or brokers to find a better deal.
💡 Top tip: Driving offence codes usually stay on a driving record for 4 years from the date of the conviction.
How can I get cheaper car insurance if I have a conviction?
Having driving convictions might bring your car insurance premiums up, but there are still things you can do to help with the increased cost of cover.
Use a specialist insurer
Some insurers specialise in covering people with unspent convictions. Using a specialist insurer can bring your premiums down and make it more likely that you’ll be accepted.
Pay a higher excess
Volunteering a higher excess payment will usually bring your insurance premiums down. Be sure you can still afford to pay it if you need to claim.
Pay annually
Paying an annual sum for your car insurance might mean a greater initial spend, but on average it works out 31%
Downgrade to a cheaper-to-insure car
Insurers sort car makes and models into different insurance groups based on factors like their value, repairability, and performance. The cheapest cars to insure are generally found in lower groups.
Reduce your mileage
Driving fewer miles or giving a lower estimated mileage may also help cut costs, as the less time you spend on the road the lower your chances are of being involved in an accident.
Our annual mileage calculator can help you work out how many miles you need to drive.
Keep your car safe and secure
Factory installed alarms and immobilisers will help keep your car safe, as will keeping your car parked off the street at night (or at least in a well-lit area).
Consider telematics cover
Drivers with convictions may find that telematics cover (also known as black box insurance) helps you earn lower premiums by using tracking software in the car that monitors your driving habits and rewards low-risk behaviour.
Do an advanced driving course
Some insurers may offer a lower premium to drivers who undertake an advanced driving course, as this demonstrates a willingness to improve driving skills.
Why should I compare convicted driver car insurance quotes with MoneySuperMarket?
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Our expert says…
Car insurance premiums are based on risk and if you have a driving conviction insurers will consider you a higher risk and you’ll pay more as a result. You’ll probably find that fewer insurance companies will insure you but that doesn’t mean it’s impossible to find a good deal. MoneySuperMarket works with a number of insurers who specialise in insuring drivers with challenging personal circumstances. If you’ve been disqualified from driving you’ll still need to insure your car, unless you apply for a Statutory Off Road Notification (SORN).
Sarah Tooze Car & Van Insurance Expert
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Other insurance products for convicted drivers
Can I get car insurance if I have a conviction?
Yes, but your premiums will be a lot more expensive. Depending on the severity of the offence – especially if it’s a serious driving offence – some mainstream insurers may refuse you.
If you have a criminal conviction and you can’t find an insurer who will provide you with motor insurance, UNLOCK (the National Association of Reformed Offenders) can provide you with a list of brokers who specialise in convicted driver insurance.
What happens if I don’t disclose my convictions to my insurer?
Don’t be tempted to hide your conviction just to get cheaper insurance. If you don’t reveal convictions, you could invalidate your policy, meaning that any claims would be refused and you would essentially be driving while uninsured – which is illegal.
How long do you have to declare criminal convictions to an insurer?
You only need to declare unspent convictions. A conviction becomes spent after a certain period of time – which depends on the nature of the offence. Certain convictions are never spent however, depending on how severe they are.
Do I have to declare spent convictions to insurance companies?
No, you don’t need to declare spent convictions when applying for insurance.
What's the most common type of driving conviction?
Speeding offences are the most common type of driving offence in Britain. They made up 29% of all motoring prosecutions in 2024, according to government figures.
The vast majority of speeding and other motoring offences (95%) are punished by a fine only.
What can I do if my car insurance provider refuses to pay a claim?
There are three ways a car insurance claim can go wrong:
1. A claim on your car insurance is rejected because you aren't covered for what you were trying to claim for.
2. There is a disagreement about who to blame.
3. Your claim was approved but you didn't receive the payout you thought you would get. This can happen when drivers don't realise the value of their vehicle.
If you feel that you were wrongly denied a pay-out or that the pay-out of your policy was insufficient, you should:
Check your policy documents to confirm your claim is valid
Write to your provider to request that they explain the situation, keeping a record of your communication
If you're not satisfied with their explanation, you can make a formal complaint (your policy documents should explain how to do this)
If nothing comes of the complaint, you can report the incident to the Financial Ombudsman Service.
You can find out more about the process of claiming on your car insurance in our guide to car insurance claims.
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Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 8 Dec 2025 by
