Convicted Car Insurance
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    Car Insurance For Convicted And Disqualified Drivers.

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    Full Comprehensive Cover Available.

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    Motoring Convictions Only.


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For convicted drivers, finding car insurance can seem like a mammoth task. Not every insurer will accommodate convicted drivers. However, with years of insurance experience under our belt, we have helped convicted drivers find insurers that are willing to take them on.

What do DVLA offence codes mean?

If you commit a driving offence, your licence will have a DVLA conviction code. Each code represents the offence committed. These can range from a speeding offence and not stopping after an accident to driving under the influence or even death by dangerous driving. Each code has a certain amount of penalty points assigned to them.

What motoring convictions do you cover?

We can find you insurance coverage if you have the following convictions:

Accepted DVLA Codes
Accident offences: AC10, AC20, AC30.Licence offences: LC20, LC30, LC40, LC50.
Disqualified drivers: BA10, BA30, BA40, BA60. 

Mutual recognition, i.e. disqualified in Northern Island or Isle of Man: MR09, MR19, MR29, MR39, MR49, MR59.
Miscellaneoous: MS10, MS20, MS30, MS50, MS60, MS70, MS80, MS90.
Careless driving: CD10, CD20, CD30, CD33, CD40, CD50, CD60, CD70, CD80, CD90.Motorway offences: MW10.
Construction and use offences: CU10, CU20, CU30, CU40, CU50, CU80.Pedestrian crossings: PC10, PC20, PC30.
Dangerous/reckless driving: DD10, DD40, DD60, DD80, DD90.Speeding: SP10, SP20, SP30, SP40, SP50.
Drink driving: DR10, DR20, DR30, DR31, DR61, DR40, DR50, DR60, DR7.Traffic direction and signs: TS10, TS20, TS30, TS40, TS50, TS60, TS70.
Drug driving: DG10, DG60, DR80, DG40, DR90.Special code, i.e. drivers who have gained 12 or more penalty points within three years: TT99.

How can I get car insurance with a driving conviction?

Drivers that have committed motoring offences can have a harder time finding insurers who will accept them. However, there are a few insurers who will insure you with a conviction and over the years, we’ve managed to get insurance for convicted van drivers and car drivers. For advice on insurance after a motoring conviction, call us on 0800 081 6064.

Do insurance companies check driving convictions?

Insurers and insurance brokers will always ask you to declare any unspent convictions.

If you don’t declare that you have active driving convictions, this will invalidate your insurance and can even be considered a form of insurance fraud.

Can I get car insurance with a pending motoring conviction?

Drivers that have committed motor offences can have a harder time finding insurers who will accept them. If you have a pending conviction, you should be honest about it while applying for your policy. Withholding information from your insurer may invalidate your insurance policy.

While it is difficult to get insured with unspent and pending convictions, there are a few insurers who will insure you with a conviction and over the years, we’ve managed to get many convicted drivers insured. For advice on convicted drivers insurance and a free quote, contact us 0800 081 6064.

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Why Choose Us?

Why Choose Us?

Here are just some of the reasons why you should get a quote with us.

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    Policies at Affordable Prices

    Our insurance experts will always find you the lowest price possible on the correct cover. However, if you send proof you’ve found a cheaper like-for-like quote in 48 hours? It’s money-back guaranteed.*

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    Hassle-Free Renewals

    Renewals are always simple with us. We’ll compare the policies you need and find the most up-to-date offers to get you the best quote on the market.

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    Trusted Panel of Underwriters

    As one of the UK's leading insurance brokers, we specialise in niche insurance policies and will find you the coverage you need.

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    Changes to Your Policy

    If you need to change your policy, our friendly team is only a phone call away and happy to help.

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*Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.

Frequently Asked Questions

Do you have to declare driving convictions for car insurance?

Convicted drivers must always inform their insurer of their motoring offences. 

It is a legal offence to withhold information when you apply for a car insurance policy, so it is essential that you share any unspent convictions with your insurer. 

If you withhold information when you apply for a car insurance policy, this offence will be added to your driving record. It is essential that you share any unspent convictions with your insurer. 

Convictions can become ‘spent’ after a certain amount of time, depending on the type of offence committed. This means that, after a certain period, a convicted driver will not have to disclose the offence if requested to share information about their criminal record.

How long do you have to declare convictions on car insurance?

You have to tell your insurer about your motoring conviction while it remains unspent. The length of time a motoring conviction will remain active will vary depending on the severity of the offence committed.  

Each DVLA code has a certain amount of time that will be unspent on your licence, starting from the date of the motoring offence or conviction. This period can vary widely from four years to even 11 or more years.  

What are the different types of driving offences?

Breaking mandatory legislation and committing offences such as driving without a licence, MOT or insurance and continuing to drive even if you’ve been disqualified will all result in licence points and even a driving ban.

However, driving offences are typically classified under three main categories, with some overlapping into differing types.

The main categories of driving offences are:

Dangerous driving

If the quality of someone’s driving is well below the substandard expected of a licence holder, they will be classed as a dangerous driver as they put themselves and others at serious risk on the road. This offence also includes drivers using a vehicle with the full knowledge that it has a problem and may be unsafe.

Prime examples of dangerous driving include speeding, ignoring traffic lights, adjusting the radio, paying attention to a passenger instead of the road, and driving under the influence of alcohol or drugs (both prescribed and illegal). Using a mobile phone or handheld electronics while driving can be considered ‘dangerous driving’ and ‘careless or inconsiderate driving’.

Careless or inconsiderate driving

Similarly to dangerous driving, careless driving means that driving quality has dipped below the expected minimum standard for careful drivers. It is classed as ‘careless’ and not ‘dangerous’ because the definition includes driving without concern for other road users.

Examples of careless or inconsiderate driving can include accidentally driving through a red light, dazzling drivers with full beam lights, driving too slow or braking without good reason, and staying too close to another vehicle. Being distracted by your mobile, radio, or electronic device is also classed as careless driving.

Driving under the influence of alcohol or drugs.

While driving under the influence is considered ‘dangerous driving’, it is also a stand-alone offence.

How much is car insurance for convicted drivers?

The cost of convicted driver insurance depends on various factors and can vary between insurers.

Discover how much your car insurance premium will cost by calling us now on 0800 081 6064 for a free quote.

Get Convicted Drivers Insurance Today

It can be tough finding insurance after a driving conviction. Don't worry, we're here to help. We'll take care of everything from comparing quotes to policy add-ons.