Convicted Driver Car Insurance You Can Count On

We understand that it can be difficult to find a car insurance policy that works for you following a motoring conviction. But our team of insurance professionals work with a panel of leading insurers to find the right insurance policy for you.

As a Be Wiser customer you will benefit from free breakdown cover, misfuelling cover, free claims assistance and free legal expenses cover. Be Wiser with your choice and get an insurance quote today.

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Convicted drivers insurance is the type of insurance you need if you have a conviction. This does not necessarily have to be a driving conviction and could instead be an offence not related to how you drive. However, getting car insurance when you have a conviction, whether related to driving or not, can be quite challenging.  
Usually, drivers with a conviction are considered a high insurance risk. This means that when getting car insurance, you might have to pay more than you usually would.

There are many types of driving convictions which all differ in terms of their level of severity and the number of points you could get. However, some convictions can make it more challenging to get car insurance. The most common ones are:

  • Speeding on a public road or motorway
  • Using your mobile phone or any other hand-held device while driving
  • Driving without insurance
  • Failing to comply with traffic light signals

Yes, you must declare your convictions whether related to driving or not. However, you only need to declare your convictions if they are unspent. Your convictions become spent when you have served the rehabilitation period of your conviction. If you were given a fine or community service your conviction is most likely spent after five years. After that, you no longer have to declare your convictions. If you’re in any doubt, do disclose them.

You can find more information here.

If you don’t let your insurer know about your conviction, your insurer can immediately void your policy and turn down any future claims. Your car insurance will also be considered invalid and it’s illegal to drive without car insurance or without disclosing any convictions to your insurer. 
Do not feel tempted to lie about your convictions in order to obtain a cheaper quote for car insurance as this would essentially mean that you’re driving while uninsured.

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*Free Misfuelling Cover is provided by the RAC as part of their breakdown cover

Driving Convictions Blog

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In order to reduce the number of questions you need to answer, we’ve made some assumptions about your eligibility to get a quote using our online quote engine. Please help us speed up your online quotation by clicking here to check you meet this criteria.

If the below information does not apply to you, we may still be able to provide you with a quote over the phone – please call 0333 003 8450 to speak to our friendly insurance specialists.

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Please help us speed up your online quotation by confirming that the conditions below are correct:

  • All drivers are legally entitled to drive in the UK and have a valid licence
  • None of the drivers have any medical conditions which must be legally disclosed to the DVLA
  • None of the drivers have any non-motoring convictions unspent under the Rehabilitation of Offenders Act e.g. theft, dishonesty, or fraud
  • None of the drivers have ever had insurance refused, cancelled, voided, or special terms imposed on any insurance policy
  • The vehicle has not been modified in any way from the manufacturer's standard specification
  • The vehicle will not be used for private hire, competitions, rallies, trials, track days, off road events or for any purpose in connection with the motor trade