Convicted Driver Insurance
Getting back on the road after a drink driving conviction can be a long and painful process full of high premiums and poor service. With the Insurance Factory this doesn’t have to be the case!
At The Insurance Factory we understand that your past is in the past and are committed to getting you back in the driving seat with as little hassle possible. Some insurers will offer sky high premiums and some will refuse to insure all together.
To avoid the stress of insuring your car, we never judge and we always treat you as an individual, looking at your circumstances to arrange the right cover for your car insurance.
Whether you have a criminal record, a driving or other conviction, competitive insurance with excellent benefits is not a thing of the past.
Get a free convicted driver insurance quote today.
Do criminal convictions affect car insurance?
In general, car insurance providers assess the risk profile of a driver based on various factors, including driving history, age, location, and vehicle type, among others.
One of the key elements in this assessment is the driver's record of legal compliance and behavior on the road.
A criminal conviction, particularly one related to driving or traffic offenses, can signal to insurers that the driver poses a higher risk of causing accidents or engaging in irresponsible behavior behind the wheel. When evaluating a potential policyholder, insurers may consider criminal convictions in several ways.
For instance, they may refuse coverage outright for individuals with certain types of convictions, such as Drunk Driving or reckless driving charges.
Alternatively, you may be offered coverage but at significantly higher premium rates due to the increased risk associated with the driver's history.
Additionally, some insurers may impose specific restrictions or limitations on coverage for drivers with criminal convictions.
Each car insurance provider has its own set of guidelines and underwriting criteria when it comes to evaluating potential policyholders with criminal convictions.
Therefore, the extent to which a conviction affects an individual's car insurance options will vary depending on the provider and the nature of the offense.
What do I do if I've been refused cover?
Being refused cover can be a frustrating and disheartening experience.
First and foremost, try to understand the reasons behind the refusal by reaching out to the insurance company for clarification. Once you have a clear understanding of the reasons, consider addressing these factors and reapplying for coverage.
You may also explore alternative insurance providers who may be more willing to provide coverage despite certain risk factors like us here at Insurance Factory.
Driving Conviction Codes
Driving Conviction Codes used to maintain road safety by categorising offenses, regulating penalties, and promoting responsible driving behaviour.
We've listed just a select few driving conviction codes that are being used in the UK today. For more information and to find a full list of all used driving conviction codes, visit the UK
Government's website by clicking on this link.
- DD10: This conviction code refers to causing serious injury by dangerous driving. For example, if a driver loses control of their vehicle and hits a pedestrian, causing significant harm, they may be charged with DD10. A driver with a DD10 conviction may have caused a serious injury to a cyclist by attempting a risky overtaking maneuver.
- DD40: Dangerous driving is represented by the DD40 code. This can include excessive speeding, aggressive maneuvers, or driving under the influence, which puts other road users at risk. A driver tailgating and weaving in and out of traffic at high speeds would be an example of someone with a DD40 conviction.
- DD60: Manslaughter or culpable homicide while driving a vehicle is denoted by the DD60 code. This conviction occurs when a driver's actions result in the death of another person, either intentionally or due to negligence. A driver with a DD60 conviction might have caused a fatal accident after driving under the influence of alcohol or drugs.
- DD80: This code, DD80, stands for causing death by dangerous driving. It is applied when a driver's dangerous actions, such as reckless driving or speeding, lead to a fatal accident. A DD80 conviction might be given to a driver who caused a death due to excessive speeding in a residential area.
- DD90: The DD90 conviction code is given for furious driving. This code applies when a driver displays extreme anger or aggression while driving, leading to potential harm to others on the road. A person engaging in a high-speed road rage incident could be charged with a DD90 conviction.
Car Insurance for Convicted Drivers
Driving convictions we can consider:
- IN10s - Convicted of driving without insurance
- DR10s - Convicted of driving or attempting to drive with a blood alcohol level exceeding allowable limits
- SP50s - Convicted of exceeding the speed limit on a motorway
- DD10s - Convicted of driving in a dangerous manner
- DD20s - Convicted of driving at a dangerous speed
- DD30s - Convicted of reckless driving
- Non-motoring convictions
With over 20 years’ experience in arranging convicted driver car insurance and access to a panel of specialist insurers, we are here to help.
Get a free convicted driver insurance quote today.
What convictions do I need to disclose?
In the United Kingdom, it is essential for drivers to be aware of their legal obligations when it comes to disclosing driving convictions.
Failure to disclose relevant driving convictions can result in severe penalties, including fines, imprisonment, or disqualification from driving.
Driving convictions are categorised into two types: endorsable and non-endorsable offences.
- Endorsable offences are those that result in penalty points being added to your driving license, such as speeding, careless driving, or driving under the influence of alcohol or drugs.
- Non-endorsable offences are less serious and do not result in penalty points, such as parking violations or minor traffic offences. For insurance purposes, you are typically required to disclose any unspent driving convictions that have occurred within the past five years.
This information allows insurance companies to accurately assess your risk level and determine appropriate premiums.
Make sure to stay informed about your obligations as a driver and always disclose any unspent convictions when required.
For more information, you can call our team on 01212 963 075 to discuss further.
Get a Quote for Convicted Driver Insurance
If you can’t see your conviction listed above, give us a call and discuss your requirements with one of our operators.
Frequently asked questions
What do I do if I've been refused cover?
If you've been refused cover for convicted driver insurance, it can be frustrating and disheartening. However, there are still options available to you. The first step is to understand why you were refused convicted driver insurance cover in the first place. This could be due to factors such as your driving history, previous convictions, or the type of vehicle you drive.
Once you have identified the reason of refusal for car insurance, you can start exploring alternative options. You can consider taking steps to improve your driving record, such as attending defensive driving courses. Once you have a clear understanding of the reasons, consider addressing these factors and reapplying for convicted driver insurance coverage.
Remember, being refused cover doesn't mean there are no options available to you; it just means you need to be proactive in finding the right solution for your situation.
Why do I have to declare my convictions?
We need to assess the level of risk when insuring you. If you have a history of convictions, particularly driving-related ones, they may see you as more likely to make a claim.
By declaring your convictions, you're providing insurers with the complete picture, allowing them to price your policy accurately. Non-disclosure could lead to invalidation of your policy, leaving you uninsured and unprotected.
Why Insurance Factory?
With over 20 years in the insurance industry, we have access to a panel of insurers, offering our most competitive price for your insurance needs. We have a wealth of experience, ensuring that we can offer you guidance and support throughout the process.
Can a motoring conviction impact my specialist car insurance premiums?
A conviction can significantly impact your insurance premium, depending on the severity and type of the conviction. Insurers will perceive you as a higher risk, which can result in an increase in your premium. The percentage of this increase can vary widely based on the type of conviction, your past driving records, and the policies of different insurance companies.