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Convicted Driver Insurance

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  • No need to shop around to find the best deal
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Driving convictions are common in the UK, with even the most law abiding citizens accruing penalty points through speeding or mobile phone use at the wheel.

Whatever the penalty, it will impact on the price of your insurance policy. This is because many insurers want to keep the price of their premiums down and charging convicted drivers more is one way of going about this. Some will even refuse to insure a convicted driver altogether.

Finding a Policy for You

QuoteSearcher specialise in finding convicted driver insurance policies to cover convicted drivers, as these can often be difficult to come by or be very overpriced.

When applying for your policy, be transparent with your insurer about your conviction or whether you have any driving offences pending. Whilst doing so may drive up the price of your premium, failure to do so can warrant your insurance invalid altogether.

Everybody can make a mistake, and at QuoteSearcher we work closely with our partners to try to find the right policy for you at a fair price, rather than try to drive up prices and further penalise you for having a driving conviction.

Below is a guide to the most common driving convictions, including codes, penalties and more.

Disqualified Driver

Disqualification means you are banned from driving. This is either as a result of being convicted of a serious enough driving offence, or by accruing 12 or more penalty points (endorsements) within a 3 year period. You will receive a summons in the post telling you when you are due in court.

The length of the disqualification depends on the nature of the offence. According to the gov.uk website, it is as follows:

  • 6 month ban if you get 12 or more points in 3 years
  • 12 month ban if you get a 2nd disqualification within 3 years
  • 24 months if you receive a 3rd disqualification

If you are disqualified for more than 56 days, you must apply for a new license before you can start driving again. It is possible that the court may even order you to retake your driving test or take an extended driving test before getting your new license.

You may apply to have your disqualification period reduced after you have been banned from driving for:

  • 2 years if the disqualification is between 2 and 4 years
  • Half the disqualification period if it is between 4 and 10 years
  • 5 years if you disqualification is for over 10 years

Of course there is no guarantee that the court will reduce the length of your disqualification, but if you do choose to go down this route make sure you have a good reason; perhaps the court made a legal mistake, or new evidence / information has since come to light which was not available at the time of sentencing. If your request is refused you must wait another 3 months before you can try again.

Common Offenses

Below is a list of the most common driving offenses.

SP30 – Exceeding Statutory Limit on a Public Road

Put simply, they are points you get when caught speeding.

This can happen through a classic GATSO speed camera, being caught on a police radar gun, or the scourge of the modern motorist, the dreaded average speed check camera.

The minimum penalty for speeding is a £100 fine and 3 penalty points added to your license. Depending on the circumstances, the policy might send you the details of the penalty or might receive a court summons.

Exceeding the speed limit by more than 30mph you are likely to be disqualified immediately. There are mitigating factors, such as road conditions and weather

If you have been driving for less than 2 years, your license will be revoked if you get 6 or more penalty points.

In a Magistrates Court, the fines are split into 5 levels and range from £200 to £5,000. However, if your case it taken to Crown Court there is no limit to the fine they can impose.

DR10 – Driving Above the Legal Alcohol Limit

More commonly known at drink driving, it is being in charge of a vehicle in a public place where your blood / alcohol level is above the legal limit. This charge can be brought against you even if the vehicle is stationary.

This is tested at the roadside by police using a breathalyzer which can read the levels of alcohol in your body by analyzing your breath. The police are free to stop any vehicle they deem suspicious, however they will only implement the breathalyzer if they have reason to believe you have been drinking, such as an alcohol smell on your breath or suspected involvement in an accident.

The limit is 35 micrograms of alcohol per 100 millilitres of breath. Failure to provide a specimen at the roadside is a crime itself,

You can be banned, face a fine or even be imprisoned if you are found guilty of drink driving. The penalty is up to the magistrates to decide.

Being in charge of a vehicle while above the legal limit or unfit through drink can land you with:

  • a fine of up to £2,500
  • a possible driving ban
  • 3 months imprisonment.

The thing to note is that the car does not have to be being driven for this offense to occur. If you are in charge of the vehicle, then the fact you could drive it should you so wish is enough.

Driving or attempting to drive while above the legal limit or unfit through drink is a more serious offense, and the penalties reflect that:

  • an unlimited fine
  • a driving ban for at least 1 year (3 years if convicted twice in 10 years)
  • 6 months imprisonment

As mentioned previously, refusing to provide a specimen of breath, blood or urine for analysis carries its own punishment:

  • an unlimited fine
  • a driving ban for at least 1 year
  • 6 months imprisonment

CU 80 – Breaching Control of the Vehicle

This offence is defined as “the driving of a motor vehicle while using a hand held mobile telephone or other hand-held interactive communication device” in the Road Traffic Act 1988, and has grown increasingly common over the last few years.

If stopped, you will be issued with a £60 Fixed Penalty Notice and 3 penalty points.

The only real defence against this charge is if you were using your phone in a genuine emergency and it would be unsafe or impractical for you to stop the vehicle. If you choose to fight this charge and lose, you will receive the 3 penalty points and a fine of up to £1,000 with court costs to be paid on top of that.

DD40 – Dangerous Driving

DD40 is the least serious of the dangerous driving codes, as you have not caused injury to any third party. It will still have a detrimental impact on your insurance policy and can make it hard to even find an insurer willing to cover you as you fall into the category of a high risk case. However, this is quite a common conviction in the UK so insurers tend to have policies which take this into account.

If convicted, you will be given between 3 and 11 penalty points which will remain on your driving record for 4 years from the date of the conviction.

IN10 – Using a Vehicle Uninsured Against Third Party Risks

Put simply, this means being caught driving without insurance.

Whilst in many cases this is a deliberate decision, sometimes people can make an honest mistake. For example, if you believed your policy covers to drive any vehicle, you would not hesitate to drive someone else’s car.

If charged and convicted of this offence, you can expect to receive between 6 and 8 penalty points, which will stay on your license for four years following the date of the offence.

QuoteSearcher can find the best insurance for convicted drivers – simply complete our convicted driver insurance form and we will be in touch with the best policies available to you.

Why Use Quotesearcher

  • No need to shop around to find the best deal
  • Only deal with UK leading insurers
  • One stop solution for all your insurance needs
  • Most people think that you only need convicted driver insurance if your conviction relates to a driving issue, however this is often not the case. Even if you have been convicted of fraud, theft, or aiding and abetting it is more than likely that some car insurance providers will refuse to cover you as they believe you pose more of a risk. However, the impact of convictions on insurance policies varies, so if you want to make sure you are getting the best price you should always think of convicted driver insurance as an option.

  • As we work with a large number of insurance brokers we are able to offer our customers convicted driver insurance for a wide range of convictions, and we can even help if you have previously been banned from driving. When filling in our quote form you will be able to choose from a list of convictions which includes the reference number and a description of the conviction. It is extremely important that you are honest about your convictions and don’t skip anything that you think we will need to know as this could lead to us giving you an inaccurate quote or you having an invalid policy. If you are unsure which convictions you need to include then you can always get in touch with the provider as they will be more than happy to help!

  • Unfortunately, most insurance providers charge higher premiums for convicted drivers, which is why we talk to a number of them on your behalf in order to get you the best price. There are ways you could reduce the cost yourself however, such as increasing the amount of the excess for the policy. After a few years of careful driving you will also start accruing no-claims periods, which could reduce your insurance premiums in the future. Another way to save money is to invest in car that is cheaper to insure, such as one with more miles on the clock or a smaller engine. All these little things can soon add up to make a big difference and you could be surprised how cheap a policy we can find you!