Convicted drivers car insurance

If you’re a driver with a conviction or someone who has been banned from driving in the past, you’ll know how hard it can be to get insurance for your vehicle. Even those without bans can find it tough to get a competitive quote for car insurance.

Drivers who have been convicted for a motoring offence, a criminal offence, have penalty points on their license or even just a poor claims history may find it difficult when it comes to getting a competitive car insurance quote.

CanCanCover.com can help. We work in a range of specialist insurance partners who can provide car insurance for people with convictions so that you can still compare a choice of quotes which offer value.

Whether you’ve been banned for accident offences, insurance offences, or drink and drug-related convictions, you can get a quote for car insurance for convicted drivers and compare prices and cover levels from our partners.

It is required by law that when trying to obtain insurance you must disclose all ‘material facts’ when asked. This includes convictions which are still unspent under the under the Rehabilitation of Offenders Act 1974 and Rehabilitation of Offenders (Northern Ireland) Order 1978. It is important to note that disclosing unspent convictions relates to not only to those of any proposer on the insurance but also to any additional proposers and household occupants including children.

How your driving history can affect your car insurance premium depends on the level and severity of the offence. But you don’t have to have been banned for dangerous driving to see a marked increase in the cost of your insurance premiums. Just one speeding offence can change how your insurer sees you, potentially increasing the perceived likelihood of you making a claim.

According to official figures released by the DVLA, nearly a quarter of Britons have been penalised for speeding in the last four years, incurring fines worth over £500 million.

Additional research has also revealed the true cost of speeding convictions when it comes to increased insurance premiums. According to the research, motoring convictions can inflate car insurance quotes by up to 78%. Speed convictions are the most common, and these could push up premiums by as much as 54%, meaning that the average driver could be paying £1,374, an increase of just over £480.

Almost all motoring offences carry a points penalty, and this can be anything between two and 11 points. These can stay on your driving license for up to 11 years, with the most serious offences such as drink or drug-related offences or driving convictions which involve a death incurring the longest endorsements.