How do driving convictions work?
If you commit a criminal offence on the road, you’ll be fined by the courts and your driving record will be endorsed. These endorsements can stay on your driving record for four or 11 years, depending on which offence you committed, and you’ll also get penalty points on your licence.
The number of points you receive also depends on the nature of the offence – but if you collect 12 penalty points within three years you may be disqualified from driving.
Driving penalty codes
Each driving offence and its corresponding endorsement has a unique code and a set number of penalty points attached – the penalty points can be given as an exact number or a range of numbers.
Here are some common driving penalty codes:
Exceeding goods vehicle speed limits
Exceeding the statutory speed limit on a public road
Exceeding the speed limit on a motorway
Failing to comply with traffic light signals
Using a vehicle uninsured against third-party risks
Do I need van insurance for convicted drivers?
If you have criminal convictions on your record, it could make getting a van insurance policy difficult – it doesn’t have to be a driving conviction, any minor offence could have an impact.
Even if you do find cover, there is a possibility that you’ll have to pay a lot more than someone without any convictions. This is because drivers with criminal convictions are seen as high claim risks, as they are statistically more likely to be involved in accidents.
However you won’t be able to drive your van without insurance, thanks to the continuous insurance enforcement rule. Unless you declare it ‘off road’ with a statutory off-road notification with the DVLA, it will have to be insured either way.
Remember, you must declare any unspent convictions on your record when you apply for insurance. A criminal conviction becomes ‘spent’ – meaning it can be ignored – after a set period of time, after which you won’t need to declare it. The length of this time period depends on the offence you’ve committed.
How do I find cheap quotes for convicted driver van insurance?
There are steps you can take to help reduce the cost of van insurance if you’re a convicted driver. For example, you could:
- Raise excess: An excess payment is the compulsory amount you contribute to your claim before your insurer pays the rest. Some insurers let you make voluntary excess payments in addition to the compulsory amount, and the more you pay voluntarily the cheaper your quote is likely to be
- Reduce mileage: Reducing the amount you intend to drive your van can also help lower your premiums, as spending less time on the road cuts down the chances of you having to claim
- Improve security: Keeping your van locked up in a garage and installing security features can prevent theft, meaning you’ll be less likely to claim on your insurance
- Try telematics: Telematics or ‘black box’ insurance sees a device fitted to your van which allows your insurer to monitor your driving habits – they’ll use this to regularly alter your premium
- Driving courses to reduce driving ban: If you were banned from driving as a result of a conviction, you may be able to shorten the ban by taking certain driving courses – these could also then lower your premium costs
- Smaller van: Generally speaking, smaller vans are easier to control and therefore you’ll be less likely to make a claim on your policy
- Less add-ons: Adding extras to your insurance policy can be useful due to the improved level of cover, but cutting down on any unnecessary extras can help you cut your premiums down
Compare van insurance quotes for convicted drivers
If you’re looking for van insurance for convicted drivers, comparing your options on MoneySuperMarket is the easiest way to find the best possible deal. All you need to do is tell us about yourself, your driving and claims history – including any convictions – and the van you want to insure.
Then we’ll show you a list of quotes tailored to your needs, so you can browse through and compare deals by the monthly and annual cost, the excess amount, and the level of coverage you’ll get. Once you’ve found the ideal quote, just click through to the provider to finalise your purchase.
However you should remember that the cheapest available quote isn’t always the most suitable. It’s better to aim for a balance between the price and the level of cover you get, so you get the right policy without being over- or under-insured.