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What is Convicted Driver Insurance?

Car Insurance for Convicted Drivers is a specialist form of policy that takes into account the needs of drivers who have driving convictions, criminal convictions or a number of points on their licence.

Polices are tailorable much like standard car insurance.

We work with the leading UK brokers for convicted insurance so that we can help find you a compare convicted driver insurance.

Van Insurance for Drivers with Convictions

We can help you find and compare convicted van insurance quickly and easily. Simply give us a call or apply online and one of our dedicated team members will start finding you the most appropriate brokers instantly.

Has your Licence got points on?

Many drivers on the roads have points on their licence so it is not uncommon. However, if you have a lot of points then finding competitive insurance can be quite tricky. Don’t panic though, our agents combined with the brokers we work with have decades of experience in helping people like you with their insurance policy.

They will be sympathetic, understanding and more than happy help you with finding a competitive policy.

Cheap Convicted Driver Insurance

Although many insurers or brokers will drastically increase the cost of their premiums for those with convictions, we have found companies that won’t do that and will offer you a fair and competitive price.

If you have maintained a relatively claim free policy, it may still be possible to find you cheap convicted driver insurance.

Can we find insurance for banned or disqualified drivers?

Although it is not possible to get a quote whilst actively serving a ban or driving disqualification, it is perfectly possible for us to find you a policy or quote once the ban or disqualification is spent. The moment you gain your licence back, we can start the process of finding you convicted driver’s insurance!

Who can we find cover for?

We can help find anyone an insurance quote that has some form of conviction.

Working with specialist insurers and insurance companies, we are able to find policies for those who have been disqualified from driving, found driving without insurance, caught drink driving, found to be dangerous driving or anyone with a number of motoring convictions.

UK Conviction Codes

Below is a list of UK convictions codes that can be enforced on your by either the polices or the law courts.

Minor Conviction Codes

Minor convictions are those handed generally by the police and involve codes like SP30 for speeding etc.

– IN10: Using a vehicle that was uninsured
– LC10: Driving without a licence
– LC20: Driving while underage. Driving other than in accordance
– LC30: Driving after making a false declaration about fitness
– LC40: Driving a vehicle having failed to notify a disability
– LC50: Driving after a licence has been revoked or refused medical
– MS10: Leaving a vehicle in a dangerous position
– MS20: Unlawful pillion riding
– MS30: Play street offences
– MS40: Driving with uncorrected poor eyesight (such as not wearing glasses when they are essential to driving) or refusing the test
– MS50: Motor racing on the highway (racing on any road, not just motorways)
– MS60: Offences not covered by other codes
– MS70: Driving with uncorrected defective eyesight
– MS80: Refusing to submit to an eyesight test
– MS90: Failure to give information as to the identity of driver etc.
– NE99: Non-endorsable criminal Act
– MW10: Contravention of Special Roads Regulations
– PC10: Undefined Contravention of a Pedestrian Crossing Regulation
– PC20: Contravention of Pedestrian Crossing Regulations – moving vehicles
– PC30: Contravention of Pedestrian Crossing Regulations – stationary vehicles
– PL10: Driving without ‘L’ plates when learning to drive
– PL20: Not accompanied by a qualified person whilst learning to drive
– PL30: Carrying a person not qualified whilst learning to drive
– PL40: Drawing an unauthorised trailer
– PL50: Undefined failure to comply with conditions of Provisional
– S 19: Disqualification (“totting-up” procedure) for to many points
– S 35: Disqualification (“totting-up” procedure) for excessive points
– SP10: Exceeding goods vehicle speed limits
– SP20: Exceeding speed limit for the type of vehicle
– SP30: Exceeding statutory speed limit on a public road
– SP40: Exceeding passenger vehicle speed limit
– SP50: Exceeding speed limit on a motorway
– SP60: Undefined speed limit offence
– TS10: Failing to comply with traffic light signals
– TS20: Failing to comply with double white lines
– TS30: Failing to comply with a ‘Stop’ sign
– TS40: Failing to comply with the direction of a constable or warden
– TS50: Failing to comply with traffic sign
– TS60: Failing to comply with a school crossing patrol sign
– TS70: Undefined failure to comply with a traffic direction or sign
– XX99: To signify a disqualification under “totting-up” procedure.

Major Conviction Codes

Below are a list of more major conviction codes and will generally be handed to you by the court after a court case.

– AC10 Failing to stop and/or give particulars after being involved in or witnessing an accident
– AC20 Failing to give particulars or report the accident within 24 hrs
– AC30 Various & multiple undefined accident offences
– BA10 Driving while disqualification by order of the court
– BA20 Driving while disqualified as underage
– BA30 Attempting to drive while disqualified by order of the court
– CD10 Driving without due care and attention
– CD20 Driving without reasonable consideration for other road users
– CD30 Driving without due care and attention or without reasonable consideration
– CD40 Causing death – careless driving through drinking
– CD50 Causing death – careless driving through taking drugs
– CD60 Causing death – careless driving through alcohol and being over the limit
– CD70 Causing death – careless driving – failing to supply a breath, urine or blood specimen
– CU10 Using a vehicle with defective brakes
– CU20 Using a vehicle with parts or accessories in a dangerous condition
– CU30 Using a vehicle with defective tyres
– CU40 Using a vehicle with defective steering
– CU50 Causing or likely to danger because of load or passengers
– CU60 Undefined failure to comply with Construction and Use Regulations
– DD10 Driving in a dangerous manner
– DD20 Driving at a dangerous speed
– DD30 Reckless driving
– DD40 Dangerous driving
– DD50 Causing death by dangerous driving
– DD60 Manslaughter or culpable homicide while driving a vehicle
– DD70 Causing death by reckless driving
– DD80 Causing death by dangerous driving
– DR10 Driving or attempting to drive with alcohol above the limit
– DR20 Driving or attempting to drive while unfit through drink/drugs
– DR30 Driving or attempting to drive/refusing or failing to supply a specimen
– DR40 In charge of a vehicle while alcohol level above limit
– DR50 In charge of a vehicle while unfit through drink or drugs
– DR60 Failure to provide a specimen for analysis other than driving
– DR70 Failure to provide a specimen for breath test
– DR80 Failure or attempting to drive when unfit through drugs
– DR90 In charge of a vehicle when unfit through drugs
– TT99 To signify a disqualification under “totting-up” procedure
– UT10 Taking and driving away without consent or attempt thereat
– UT20 Stealing or attempting to steal a vehicle
– UT30 Going equipped for stealing or taking a vehicle
– UT40 Taking/driving/be carried in a vehicle without consent
– UT50 Aggravated taking of a vehicle

How much does penalty points affect your insurance

At some point or other, most of us have received a speeding ticket or picked up points somewhere along the line. We never intentionally aim to get the points but they are often part in parcel of driving. What affect do they really have on our insurance though?

According to the Department for Transport, more than 2.6 million UK drivers hold penalty points on their licence. All these drivers will be paying an extra premium of various natures for their car insurance.

How much is my insurance likely to increase with points?

Points will always have an affect and will cause an increase on your policy. That said, if you have no other convictions and no claims on your licence, then assuming you get a simple 3 points for speeding, it is unlikely to increase much.

If however, you have already got 6 points for speeding and then gain more points for dangerous driving, then it is likely your premium will increase considerably. If you have that many points, you may want to consider a specialist convicted driver insurance policy.

Surveys have shown that a 3 point penalty can increase your premium by around 5%. A repeat offence or increase of points to 6 points can increase you premium by as much as 25%.

When premiums are calculated by the insurer, they take into account a number of other factors. These include your age, job, vehicle use, claims, location and more. If you score well on all areas but have 6 points, it’s unlikely your policy will be to horribly priced.

How long do points stay on your licence?

The length of time which the points stay on your licence depends on what they are for. Speeding point will stay on your licence for around 4 years. Dangerous driving points though will stay on a little longer as will drink or drug driving points. If you have been caught drink driving, then a specialist drink drivers insurance policy may be better suited to you.

Do I have to notify my insurance company of my points?

If you receive penalty points, you are required to reveal them to your insurance company. If you fail to reveal your points and you are involved in an accident, your insurance company is unlikely to pay out.

Some drivers believe they don’t need to inform their insurance company about the endorsement since they have already paid for it at the beginning of the policy. The vast majority of insurance companies have clauses in their policies that require policyholders to immediately inform them about any new convictions and penalty points.

Does coverage affect penalty points?

No, regardless of your chosen level of cover (comprehensive, third party, third party fire and theft), your policy cost will increase. You could chose to have a lower lever of cover but it is unlikely to change the cost of your policy much as you will still be considered a slightly higher risk driver.

Can I lower the cost of my insurance with penalty points?

If you have points on your licence, like any policy, the best way to save money is to compare and shop around. If you just have 3 speeding points, you can still apply for simple car insurance. If you drive a van, you may want to consider convicted van insurance as a way of reducing your policy.

If you have a TT99 conviction, it can be harder to find insurance due to the larger number of points you will have gained. That said, we do help many people find TT99 Insurance and sensible prices.

Will I be judged for having points?

No! No insurance company should judge you for having points. Total Insurance Comparison offer a free and impartial comparison service where you will not be judged regardless of the points or convictions you have.

How to get Cheaper Convicted Driver Insurance

You’ve made a mistake and you’re trying to move on with your life. Then it comes to obtaining car insurance and you find it’s a struggle as you’re a convicted driver. It can be a difficult situation but one that can be made easier by taking the right steps.

Compare Specialist Cover

Some insurance companies won’t want to touch a driver with a record and will penalize them with unreasonable premiums. It’s best to find a broker who specialises in helping you find car insurance for convicted drivers and won’t give you premium that is unrealistic to afford.

Increase your excess

You should never increase your excess to more than you can afford but after a conviction, it’s a good idea to leave it as high as possible. This will bring down your premium to ensure that you’re not paying an astronomical sum each month for your cover.

Lower your mileage

Another way to reduce your premium is to have lower mileage. It’s worth considering other modes of transport or perhaps car sharing. This will not only bring down your premium but it will also lower the chance of you having to claim on your insurance.

Keep your car secure

With insurance after a conviction, the last thing you want is something else which is going to increase your premium. Keeping your car secure as possible will help to eliminate any risks and make sure that you don’t have to make a claim.

Consider telematics

Having a little black box in your car isn’t going to be ideal for most people. If an insurance company thinks that you might be high risk, then it’s a good way of lowering that risk as you will get to prove that you’re a sensible driver. 

Change your ways

It could be that you like to speed or maybe you have been convicted of a drink driving offence. It’s now the time to reign it in and drive sensibly. The consequences of a repeat offence could mean having your licence taken away. The result of sensible driving will be the conviction dropping off your record after a few years and also building up your no claims bonus.

What can I expect?

If you’ve been convicted of a driving offence, you might be wondering what’s awaiting you once you try to get covered to drive. While the initial worry might be that you’re never going to be eligible for a policy again, that’s very rarely the case.

What you can be sure of is that the price is going to increase. If your conviction meant that you were endorsed with points, you’ll usually need to declare those for five years, even if they are no longer valid.

How long will I need convicted driver insurance for?

All convictions come with a time period attached to them, which should be made clear to you by whoever made the conviction. Points on your license are currently valid for three years, but remain printed on your record for a further year, unless you’re told otherwise. After the four years, they disappear entirely from your license.

You must give details of your convictions when you apply for a policy. It is up to the insurer if or how they take this into account. Withholding the information is an offence in itself.

What happens once the endorsement drops off my licence?

If the conviction has passed its live period (usually three years), your conviction is generally regarded as “spent”, and no longer needs to be declared. However, any insurer is allowed to ask you specifically if you have had any spent convictions in the last five or six years, and in that case, you must declare them.

It doesn’t matter if your card is marked due to speeding, going through a red traffic light, intoxicated driving, or due to a ban – at Total Insurance, we can help get you back on the road with a specialist insurance policy help for convicted drivers.

More information can be found on the Government Website.

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