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Q: What is a ‘spent’ conviction?

When a motoring conviction is no longer active on your licence, it is a ‘spent conviction’. This only occurs after a certain period of time determined by your DVLA code.

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Overview

If you’re struggling to find van insurance after a motoring conviction, then you’re in the right place. Our team has the experience and expertise to compare policies as well as guide you through the process of getting insured – even after a conviction for a motoring offence.

What motoring convictions do you cover?

Whether you’re unsure about what a DVLA code means or want to know exactly which motoring convictions we can cover, you’ll find all the information you need in the table below.

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 Ireland or Isle of Man: MR09, MR19, MR29, MR39, MR49, MR59.	Special code, i.e. drivers who have gained 12 or more penalty points in three years: TT99.
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.	Miscellaneous: MS10, MS20, MS30, MS50, MS60, MS70, MS80, MS90.
Insurance offences: IN10.	Theft or unauthorised taking: UT50.

What is a major motoring offence?

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 are all classed as motoring offences. These types of offences will result in licence points and even a driving ban.

Major motoring offences are usually divided into three different types, which are:

Driving dangerously.
Careless or inconsiderate driving.
Driving under the influence of drink or drugs (legal and illegal).

However, there is a significant overlap between these categories.

For example, using a mobile phone while driving can fall under both ‘careless’ and ‘dangerous’ driving.

Depending on the offence committed, the DVLA will assign a code to your licence that communicates how many points you have acquired. Major motoring offences will carry a significantly higher amount of points and remain on your licence for a longer period.

What is a ‘spent’ conviction?

When a conviction is no longer active on your licence, it is classed as a ‘spent conviction’. This only occurs after a certain period of time determined by your DVLA code.

Some codes will state that your conviction is unspent from a predetermined amount of ‘years from conviction date’, while others count this period ‘from the date of offence’.

The length of time your conviction remains unspent will also depend on how severe your offence is, with convictions lasting anywhere from four to 11 or more years.

How long do points stay on a licence?

The amount of time your points remain on your licence will depend on the type of conviction you have.

The period could range from four to even eleven years for the most severe offences.

Additionally, it can also vary when the DVLA specify if this time must come into effect starting ‘from the date of the offence’ or ‘from the conviction date’.

How can I get van insurance after a conviction?

Drivers that have committed motor offences are often seen as more likely to claim and pose a higher risk – meaning they often have difficulty finding insurers willing to accept them.

However, that doesn’t mean it is impossible. With our expertise and experience, we’ve successfully found van insurance as well as car insurance for convicted drivers. Call us on 0800 081 6065 for advice from our team and get a free insurance quote in minutes.

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Why Choose Us?

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

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.
Changes to Your Policy

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

*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 insurance companies check convictions?

Insurers will ask if you have any unspent convictions. It is vital that you are truthful about any unspent convictions, as this can invalidate your policy. If you do not declare any unspent convictions, it would be considered as a form of insurance fraud.

As a consequence, the policy could be voided and invalidated immediately, or the insurer could cancel the policy – and you may still need to pay any cancellation charges and fees. Some insurers may even request payment of further premium upon discovery of your motoring conviction.

What is a ‘spent’ conviction?

When a conviction is no longer active on your licence, it is classed as a ‘spent conviction’. This only occurs after a certain period of time determined by your DVLA code.

Some codes will state that your conviction is unspent from a predetermined amount of ‘years from conviction date’, while others count this period ‘from the date of offence’. The length of time your conviction remains unspent will also depend on how severe your offence is, with convictions lasting anywhere from four to 11 or more years.

Can I get van insurance with a pending conviction?

Drivers with present and pending convictions will face difficulties getting insured. However, that does not mean it is impossible.

If you have a pending conviction, you will still need to declare it to your insurer. This will likely affect your premium, but it is essential that you are open and honest. Failing to inform your insurer about this type of information may invalidate your insurance policy.

If you’re unsure about what you need to inform your insurer about, don’t worry. Just contact us, and we can help. Our friendly team of experts are more than happy to advise and guide you through every step towards getting van insurance after a motoring conviction, along with the extras you might need, such as goods in transit and tool cover.

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