Convicted Driver Insurance
For drivers with convictions
- All Motoring Convictions Accepted
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Why Use Insure Me UK For Convicted Drivers Insurance Brokers?
Insure Me UK works with a variety of insurance Brokers to find the best insurance quotes for you. Even if you have a serious driving offence such as drink driving or uninsured driving offences then our insurance Brokers can assist.
Convicted Driver Insurance with the help from Insure Me UK
If you are a driver who has been convicted with points on their licence, been previously banned or disqualified or have a criminal conviction, Insure Me UK can help find you cheaper convicted driver insurance by passing your details to our Insurance Broker Panel. Insure Me UK has access to the UK’s leading insurance providers that specialize in Convicted Driver Insurance and can help you get back on the road with specific Insurance for those with points or convictions. Get a free quote today and save money today.
Common Driving Convictions
A driving conviction carries either a Fixed Penalty Notice (a fine) or a summons to court – depending on the offence or a driving ban. The most common driving offences are speeding, drink driving and using a mobile device whilst at the wheel. Also, driving without insurance is another common driving offence. All driving convictions endorse points on a driving licence. Speeding can carry a minimum of 3 points and a fine. With enough driving licence points, a driving ban can be given by local authorities.
Below are 5 of the most common driving convictions by British motorists.
- Speeding (SP Offence). Speeding can fall under different severity levels with varying penalties and fines involved. It is the most common driving offence in the UK.
- Drink driving. Over 100,000 motorists on UK roads fail a breathalyser test each year.
- Driving on a public road without insurance. Due to financial implications for insurance providers and other road users, this is considered a more serious driving offence.
- Careless or dangerous driving. This relates to several other motoring convictions, for example, driving well over the speed limit or driving without a licence.
- Failing to report or stop after an accident. These are two separate offences that even includes seemingly minor offences such as bumping into a parked car whilst driving.
Frequently Asked Questions
Unfortunately, you are deemed a statistically riskier driver to get insurance. This is why insurers tend to increase insurance premiums for drivers even with one driving offence. However, you can make sure you get the cheapest convicted drivers insurance quotes available to you by comparing with Insure Me UK.
It is very important to disclose any driving convictions that you might have whether they are serious or not. If you do not disclose your driving convictions then your convicted driver insurance may be void and will make obtaining insurance even harder and more expensive. Always be truthful when taking out insurance as it also will potentially cause a claim to be rejected.
If you are a banned or disqualified driver due to a driving conviction then the answer is yes. Insure Me UK have a panel of Insurance providers who can find you the cheapest rates on the market. The majority of Driving bans come from Drink Driving (DR10), Drug Driving (DG10), Driving Without Insurance (IN10), Dangerous Driving (DD10) and Totting Up To Many Points (TT99). A Driving Ban can last anywhere from 7 days to 1 year depending how serious the ban is.
At Insure Me UK we work with the leading convicted driver insurance brokers to help those with driving convictions get back on the road. Using our services both saves you time and money. We have a 2 minute form below which will help us identify and place you in the correct insurance brokers hands. No matter how serious the conviction we will be able to help find you convicted driver insurance. Click below to get your Free Convicted Driver Insurance Quote at http://www.insuremeuk.co.uk
Let Insure Me UK Help Find You The Right Cover
If you have a driving endorsement code (a driving conviction) on your driving licence then we can help get insurance.
Driving Offences and points (endorsements)
As per the gov.uk website (https://www.gov.uk/penalty-points-endorsements/endorsement-codes-and-penalty-points) each driving endorsement has a special code and is given ‘penalt points’ on as scale from 1 to 11. More serious driving offences get motorists more points.
Accident Offences (AC)
AC10 and AC20 come with between 5 and 10 driving licence points. AC30 comes with between 4 to 9 points.
- AC10 – Failing to stop and/or give particulars after an accident
- AC20 – Failing to give particulars or report an accident within 24 hours
- AC30 – Undefined accident offences
Careless Driving (CD)
CD10, CD20 and CD30 come with between 3 to 9 driving licence points. CD40, CD50, CD60 and CD70 come with between 3 to 11 points.
- CD10 – Driving without due care and attention / driving without paying attention due to lack of care and attention
- CD20 – Driving without reasonable consideration for other road users
- CD30 – Driving without due care and attention or without reasonable consideration
- CD40 – Causing death by careless driving when unfit through drink / drinking and driving
- CD50 – Causing death by careless driving when unfit through drugs
- CD60 – Causing death by careless driving with an alcohol level above the limit
- CD70 – Causing death by careless driving and failing to supply a specimen
Construction and use offences (CU)
The below driving offences come with 3 points except CU80 which comes with between 3 to 6 points.
- CU10 – Driving a vehicle with defective brakes
- CU20 – Driving a vehicle with parts or accessories in dangerous condition
- CU30 – Driving a vehicle with defective tyres (tyre with cuts, bulges or under legal tread depth limit)
- CU40 – Driving a vehicle with defective steering mechanism
- CU50 – Causing or likely to cause danger by reason of load or passengers
- CU60 – An undefined failure to comply with construction and use regulations
- CU80 – A breach of requirements as to control the vehicle, such as a using a mobile phone/ being distracted. Could also relate to driving without due care and attention
Disqualified Driver (BA)
The below driving offences come with 6 driving licence points.
- BA10 – Driving while disqualified by order of a court of law
- BA20 – Driving while disqualified as under aged to do so
- BA30 – An attempt to drive whilst disqualified by order of a court of law
Drinking and Driving (DR)
DR10, DR20, DR30 and DR80 come with between 3 to 11 points; DR40, DR50, DR60 and DR90 come with 10 points; and DR70 comes with 3 points.
- DR10 – Driving or an attempt to drive with alcohol above the legal limit
- DR20 – Driving or an attempt to drive while unfit through drinking alcohol
- DR30 – Driving or an attempt to drive and refusing to supply a specimen (e.g., breath sample)
- DR40 – In charge of a vehicle with an alcohol level above the legal limit
- DR50 – In charge of a vehicle while unfit through drinking alcohol or drugs
- DR60 – Failure to provide a specimen for analysis (e.g., breath sample) other than driving
- DR70 – Failure to provide a specimen for a breath test
- DR80 – Driving or an attempt to drive when unfit through drugs
- DR90 – In charge of a vehicle when unfit through the use of drugs
Drugs and Driving (DG)
The below driving offences come with between 3 to 6 driving licence points.
- DG10 – Driving or an attempt to drive with a drug level above the specified limit
- DG60 – Cause of death by careless driving with a drug level above the legal limit
- DG80 – Driving or an attempt to drive when unfit through the use of drugs
Insurance Offences (IN)
The below driving offences come with between 6 to 8 driving licence points.
- IN10 – The use of a vehicle that does not have at least third party insurance to protect against risks
Licence Offences (LC)
The below driving offences come with between 3 to 6 driving licence points.
- LC10 – Driving a vehicle without a valid licence
- LC20 – Driving a vehicle otherwise than in accordance with a licence
- LC30 – Driving a vehicle after making a false declaration about fitness to drive
- LC40 – Driving a vehicle having failed to notify a disability
- LC50 – Driving a vehicle after a licence has been revoked or refused on medical grounds
Miscellaneous Offences (MS)
The below driving offence comes with 3 driving licence points except MS50 which comes with between 3 and 11 driving licence points.
- MS10 – Leaving/parking a vehicle in a dangerous position
- MS20 – Unlawful pillion riding
- MS30 – Play street offences
- MS50 – Motor racing on the public highway
- MS60 – Offences not covered by other codes (including offences relating to breach of requirements as to control of vehicle) 3
- MS70 – Driving a vehicle with uncorrected defective eyesight
- MS80 – A refusal to submit to an eyesight test
- MS90 – A failure to comply to give information as to the identity of the driver, etc.
Motorway Offences (MW)
The below driving offence comes with 3 driving licence points.
- MW10 – Violation of special roads regulations
Pedestrian crossing (PC)
The below driving offences comes with 3 driving licence points.
- PC10 – Undefined violation of the pedestrian crossing regulation
- PC20 – Violation of the pedestrian crossing regulations – a moving vehicles
- PC30 – Violation of the pedestrian crossing regulations – a stationary vehicles
Learner Driver/Provisional Licence (PL)
The below driving offences come with between 3 to 11 driving licence points.
- PL10 – Driving without red Learner (L)-plates
- PL20 – Not being accompanied by a qualified person (e.g., driving instructor)
- PL30 – Carrying a person that is not qualified to teach
- PL40 – Drawing an unauthorised trailer
- PL50 – Undefined failure to comply with conditions of a learners provisional licence
Reckless/Dangerous Driving (DD)
The below driving offences come with between 3 to 11 driving licence points.
- DD10 – Driving a vehicle in a dangerous manner
- DD40 – Driving a vehicle dangerously
- DD60 – Manslaughter or culpable homicide while driving a vehicle
- DD80 – Causing death by dangerous driving
The below driving offence comes with 3 to 9 driving licence points.
- DD90 – Furious driving/road rage
Speeding Offences (SP)
The below driving offences come with between 3 to 6 driving licence points.
- SP10 – Exceeding goods vehicle speed limits
- SP20 – Exceeding the speed limit for type of vehicle (excluding goods or passenger vehicles)
- SP30 – Exceeding the statutory (permitted) speed limit on a public road
- SP40 – Exceeding the passenger vehicle speed limit
- SP50 – Exceeding the speed limit of a motorway
- SP60 – Undefined speed limit offence
Vehicle Theft/Taking (UT)
The below driving offences come with between 3 to 11 driving licence points.
- UT10 – Taking and driving a vehicle away without consent or attempt thereof
- UT20 – Stealing or attempting to steal a vehicle
- UT30 – Going equipped for stealing or taking a vehicle
- UT40 – Taking, driving or being carried in a vehicle without consent
- UT50 – Aggravated taking of a vehicle
Traffic Direction and Signs (TS)
The below driving offences come with 3 driving licence points.
- TS10 – A failure to comply with traffic light signals (e.g., going through a red light)
- TS20 – A failure to comply with double white lines
- TS30 – A failure to comply with ‘stop’ signage
- TS40 – A failure to comply with the direction of a constable or warden
- TS50 – A failure to comply with a traffic sign
- TS60 – A failure to comply with a school crossing patrol sign
- TS70 – An undefined failure to comply with a traffic signage or direction
Special code (TT)
The below driving offence will stay on a person’s driving record 4 years from the date of conviction.
- TT99 – A disqualification under ‘totting-up’ of points procedure
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