Car Insurance for Convicted Drivers

If you’ve committed a driving offence and have points on your license, it’s easy to assume that car insurance for convicted drivers is going to be unattainable or unaffordable.

You’re certainly not alone. Well over a million motorists will receive penalty points over the next 12 months and with UK motoring law becoming ever more stringent, this figure is likely to increase. Some car insurers will not quote for “non-standard” policies and do not offer fully comprehensive policies to convicted drivers, but insurance can be obtained. A recent report showed that of the one in twenty uninsured drivers in the UK, the majority had previously committed motoring offences.

Car insurers always ask if you have had any convictions within the last 5 years – so if you receive a conviction, it’s true that the insurance premium you pay will be affected for that period of time. Failure to disclose that you are a convicted driver when taking out car insurance would invalidate your policy.

Many companies specialise in car insurance for convicted drivers and it may be a good idea to find a reliable, independent broker who can help you find the best deals in “non-standard” insurance on the market.

The affect on the cost of your insurance varies, but a serious offence, such as drink-driving, could as much as double your premium - so it’s certainly worth shopping around and speaking to specialist insurers.