Convicted Driver Insurance

Both driving-related convictions and other convictions can affect the cost of your car insurance. While convictions must be disclosed to insurers for up to 5 years after they’re issued, those with custodial sentences over 4 years may have to disclose their convictions indefinitely. Failing to inform your insurance provider about your history can lead to issues with your insurance so it is best to be honest from the start. 

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<p>Last Updated: <strong>8 April 2025</strong><br>Read time: <strong>5 minutes</strong></p>
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<p><strong>Written by</strong>: <a href=”https://www.quotezone.co.uk/about/our-experts/lauren-mcafee”>Lauren McAfee</a><br>Insurance Writer and Editor</p>
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<p><strong>Reviewed by</strong>: <a href=”https://www.quotezone.co.uk/about/our-experts/mark-mckeown”>Mark McKeown</a></p>
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Yes. However, if you’ve been banned from driving and your ban has been lifted, finding insurance can be challenging. Look into the possibility of banned driver insurance where specialist insurers provide customised cover for drivers with severe convictions.

Yes, it’s possible, but it will likely be more expensive. If you have committed multiple offences or have been given a TT99 conviction, whereby you’ve gotten 12 or more points on your license in 3 years, you could struggle to find insurance.

When searching for the best car insurance for convicted drivers, it’s advisable to compare quotes from multiple insurance providers to find the most competitive option. At Quotezone, we can help put you in touch with multiple insurers to quickly find the best convicted driver insurance for your needs. 

This will vary from person to person. However, to find cheap car insurance for convicted drivers, specialist insurers may offer better rates. Insurers also weigh risks differently and their underwriting processes may vary, so make sure to compare multiple quotes. 

According to the Rehabilitation of Offenders Act of 1974, after 5 years your conviction is considered ‘spent’. This allows you to no longer declare your conviction to insurers when you take out a policy with them.