Insurance for Convicted Drivers

Get insurance despite previous driving convictions

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Getting Insured With Driving Convictions

It is an unfortunate fact that accidents and mistakes do happen on the road. If you have been convicted of a driving offence, you can still be insured to drive. Here at Proper Finance, we are dedicated to ensuring that everyone, so long as they are legally able to drive, can find the right insurance for them.

Although some insurers will increase their premiums for persons who have one or more driving convictions, we work solely with fair insurers so that you don’t have to be charged disproportionately for any misdemeanours from the past.

How Do Driving Convictions Work?

Driving offences in the UK translate to penalty points on your license. The higher the number of points on your license, the greater risk you will appear to your insurer. Regardless of this, you will usually still be able to get cover as long as it is legal for you to drive your car. If you are disqualified (banned from driving) as a result of your offence, you must not drive until your disqualification period is over and you have the legal right to drive again. Only when you are legally able to drive should you think about getting insured on your vehicle.

The severity of your driving offence will also affect your ability to get insurance after being convicted. More minor offences such as a one-time speeding incident will reflect less badly on your record than a more serious offence, such as drink-driving. Under both circumstances, however, you will still be able to obtain insurance with Proper Finance.

Most insurers will ask you to declare any driving convictions from the past 5 years before agreeing to insure you.

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Here Is a Breakdown of the Full List of Driver Convictions, for Your Convenience:

Conviction code Definition Conviction Code Definition
AC10 Failing to stop and/or give particulars after an accident. MS10 Leaving a vehicle in a dangerous position
AC20 Failing to give particulars or report an accident within 24HRS MS20 Unlawful pillion riding
AC30 Undefined accident offences MS30 Play street offences
BA10 Driving while disqualified by order of the court MS40 Driving with uncorrected defective eyesight or refusing a test
BA20 Driving whilst disqualified under age MS50 Motor racing on the highway
BA30 Attempting to drive while disqualified by order of the court MS60 Offences not covered by other codes
CD10 Driving without due care and attention MS70 Driving with non-corrected defective eyesight
CD20 Driving without reasonable consideration for other road users MS80 Refusing to submit to an eyesight test
CD30 Driving without due care and attention or without reasonable consideration MS90 Failure to give information as to identity of drivers etc.
CD40 Causing death – careless driving when unfit through drink NE99 Non-endorsable criminal act
CD50 Causing death – when unfit through drugs MW10 Contravention of special roads regulation
CD60 Causing death – careless driving with alcohol levels above limit PC10 Undefined contravention of a pedestrian crossing regulation
CD70 Causing death – careless driving – failing to supply specimen PC20 Contravention of pedestrian crossing regulations – moving vehicles
CU10 Using a vehicle with defective brakes PC30 Contravention of pedestrian crossing regulations – stationary vehicles
CU20 Using a vehicle with parts or accessories in dangerous condition PL10 Driving without ‘L’ plates
CU30 Using a vehicle with defective tyres PL20 Not accompanied by a qualified person
CU40 Using a vehicle with defective steering PL30 Carrying a person not qualified
CU50 Causing or likely to danger by reason of load or passengers PL40 Drawing an authorised trailer
CU60 Undefined failure to comply with construction and use regulations PL50 Undefined failure to comply with conditions of provisional
DD10 Driving in a dangerous manner S19 Disqualification (totting up procedure)
DD20 Driving at a dangerous speed S35 Disqualification (totting up procedure)
DD30 Reckless driving SP10 Exceeding goods vehicle speed limits
DD40 Dangerous driving SP20 Exceeding speed limit for type of vehicle
DD50 Causing death by dangerous driving SP30 Exceeding statutory speed limit on a public road
DD70 Manslaughter or culpable homicide while driving a vehicle SP40 Exceeding passenger vehicle speed limit
DD70 Causing death by dangerous driving SP50 Exceeding the speed limit on a motorway
DR10 Driving or attempting to drive with alcohol above the limit SP60 Undefined speed limit offence
DR20 Driving or attempting to drive while unfit through drink/drugs TS10 Failing to comply with traffic light signals
DR30 Driving or attempting to drive/ refusing or failing to supply specimen TS20 Failing to comply with double white lines
DR40 In charge of a vehicle while alcohol above the limit TS30 Failing to comply with a STOP sign
DR50 In charge of a vehicle while unfit through drink or drugs TS40 Failing to comply with a direction of a constable or warden
DR60 Failure to provide specimen for analysis other than driving TS50 Failing to comply with traffic sign
DR70 Failure to provide specimen for breath test TS60 Failing to comply with a school crossing patrol sign
DR80 Failure or attempting to drive when unfit through drugs TS70 Undefined failure to comply with traffic direction sign
IN10 Using a vehicle uninsured against third party risks TT99 To signify disqualification under ‘totting up’ procedure
LC10 Driving without a license UT10 Taking and driving away without consent or attempt thereat
LC20 Driving while underage. Driving other than in accordance UT20 Stealing or attempting to steal a vehicle
LC30 Driving after making a false declaration about fitness UT30 Going equipped for stealing or taking a vehicle
LC40 Driving a vehicle having failed to notify a disability UT40 Taking/driving/be carried in a vehicle without consent
LC50 Driving after a license has been revoked or refused a medical UT50 Aggravated taking of a vehicle
XX99 To signify a disqualification under ‘totting up’ procedure

What Do You Need to Get a Quote?

Details of the car

The car’s registration number if you have it to hand. If not, the car make and model is fine. We’ll also need the car’s age and any modifications you’ve made

No-claims discount (NCD) history

Details of your no-claims discount will help lower the price you are quoted. Use a no-claims discount tool to find out how many years’ no-claims discount your insurer will honour

What you'll use the car for

Social, commuting or business, and how many miles you think you’ll do a year. You’ll also need to say where you’ll keep the car at night for security

Your licence

The type of licence you have and how long you’ve held it. You can also add any additional driving qualifications you have here

Your details

Including your job, your age and your address

Getting Insured After a Drink-Driving Conviction

If you have been convicted of drink-driving, it is likely that you will have initially been banned from driving for a period of time. If you are now returning to the road after a break following a drink-driving incident, you may be looking for a new insurance policy.

Firstly, it is vital that you declare your drink-driving conviction to your insurer, alongside any other prior convictions if they occurred within the past five years. Failure to disclose any convictions to your insurer could result in your insurance being invalid, resulting in any claims made against your insurance being rejected. Furthermore, your failure to disclose may stay on your record forever, driving-up your premiums indefinitely.

The penalty you receive for drink driving will ultimately depend on the decision of the magistrates who hear your case.

Getting Insured After a Speeding Conviction

The minimum penalty for speeding in the UK is a £100 fine and 3 penalty points added to your licence. You must declare these points to your insurer when applying for car insurance.

If you merely have a one-off speeding incident rather than a history of speeding, you should not experience great trouble when it comes to getting insurance at a good rate.


Getting Insured After Being Convicted of Driving Uninsured

Driving without insurance is a common motor offence, and can have serious implications. In many cases, uninsured drivers get caught driving having failed to renew now-expired insurance.

If you are caught driving without insurance and your case goes to court you could:

  • face an unlimited fine
  • be disqualified from driving

To avoid the penalties for driving without a license, alongside the risk of getting into trouble without insurance, get insured with Proper Finance today.

How Does Our Site Work?

Getting great car insurance is easy with Proper Finance. Simply fill in a few of your details using our online form and you will be contacted by one of our trusted insurance partners. They will assist you every step of the way, helping you get a competitive quote for your vehicle and insured as effectively and quickly as possible.

If you wish to view the other financial services Proper Finance has to offer such as low-cost loans, please see Our Products. Alternatively, drop us an email at and we will get back to you to help you with your request.

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