Convicted Driver Car Insurance

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.