Convicted Driver Car Insurance

Affordable Car Insurance for Convicted Drivers

If you’ve been unfortunate enough to receive a driving conviction, you’re probably concerned about extortionate insurance premiums. Where many insurance providers will up their prices considerably because you have a driving conviction or ban against your name, we are different.

We have competitive convicted driver car insurance rates available for drivers who have existing convictions or are coming back from a ban. As specialist insurance brokers, we treat each customer as an individual. This means that no risk is too adverse for us. We never hold judgement, and understand you want to move on from the past and get back on the road.

What convictions can Keith Michaels cover?

We’re a specialist insurance broker, which means we actually hand write each policy. Not only does this mean you can get the best policy possible, but it also means we can cover almost any situation. So, rest assured that you’ll be able to obtain great value insurance through us. We can cover drivers for almost any conviction. Below are some of the most common types of insurance that our customers with convictions seek.

We work with insurance companies that will happily look at everything from speeding bans to people coming back from disqualification. We really are able to provide cheaper insurance for convicted drivers across a large range of convictions. See the full list of motoring convictions that we can cover below.

What do I do if I’ve been refused cover?

If you’ve received a conviction, you may be frustrated by car insurance companies refusing to cover you. Many insurers refuse to cover drivers with convictions. Others will only insure drivers with non-driving related convictions. Out of those who will agree to cover you, the majority of them will charge an obscene premium. Your best bet is to seek the help of a specialist insurance broker.

How much will my conviction affect my insurance premium?

Unfortunately, your convictions may end up costing you more than you might realise. You may have to pay for what was an honest mistake for the next five years, or longer. Speeding offences, which are responsible for two thirds of all UK driving convictions, are likely to impact the cost of your insurance policy. It is impossible to provide any definitive information without speaking with you about your own circumstances.

What if I was banned for driving without insurance?

A common motoring conviction, amongst our convicted driver customers, is the IN10 endorsement. A common cause for this motoring conviction is not having ‘no insurance’, but having ‘invalid insurance’. This is where your existing insurance policy is not suitable for covering you or your vehicle. Click here to find out more about the IN10 conviction or read about our driving without insurance policies.

Why do I have to declare my convictions?

If one of your friends has suggested withholding information from your insurance company, don’t do it! It’s easy to suggest doing something if you know you won’t be the one to face the consequences.

If you don’t disclose your convictions to your insurance company, you’ll completely invalidate your policy. This will make you personally responsible for covering the costs of any claims you may need to make. You’ll actually be driving without insurance, which will put you at further risk. It will leave you vulnerable to getting penalised with an additional conviction and possibly a driving ban. Don’t run the risk just to save a few pounds.

What convictions will affect my insurance?

There’s a wide range of motoring convictions that UK drivers are charged with every day. Some can gain you points on your licence and a small fine, whereas others will get you disqualified from driving and hit with a hefty fine. No matter what, every single motoring conviction should be taken seriously. Click here for our complete collection of motoring convictions along with the penalties of each one. Regardless of what your conviction was for, until it’s spent, it will affect the cost of your insurance. However, a specialist broker will be able to do the leg work and keep this cost down.

How long do I have to declare my non-motoring conviction?

How long do you have to disclose any non-driving conviction before it’s ‘spent’? However, you’ll still need to declare any convictions to your insurance company. You have to disclose your convictions for differing periods. Please refer to the table below. How long do you have to disclose any non-driving conviction before it’s ‘spent’?

This means that rehabilitation periods for both custodial sentences and community orders will comprise the period of the sentence, plus an additional period of time. This is different to the current regime where all rehabilitation periods start from the date of conviction. Under these reforms the rehabilitation periods will change to: