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Compare Convicted Drivers Insurance Providers UK

Last updated: June 2026.

What is convicted drivers insurance?

Convicted driver insurance is a specialist type of car insurance designed for motorists who have active driving convictions, penalty points, or a history of being banned from the road.Standard, mainstream insurance providers regularly refuse to cover drivers with convictions, or they charge artificially high premium rates. Convicted driver policies are offered by specialist underwriters who manually evaluate your specific risk profile to provide a legal and affordable way to get back on the road.

Common driving convictions?

The Driver and Vehicle Licensing Agency (DVLA) uses specific four-character alphanumeric codes to classify motoring offences. According to data from the UK Department for Transport and leading insurance aggregators like Confused.com, motoring offences fall into distinct categories based on their frequency and impact on your insurance risk profile. The Most Common UK Driving Convictions The following table highlights the five most frequently issued conviction codes across the UK, their standard penalty point ranges, and how long they remain legally visible on your DVLA driving record.

DVLA conviction codes
DVLA Conviction CodeMotoring Offencepenalty points and DVLA record duration
SP30Exceeding statutory speed limit on a public road3-6 points, 4 years on DVLA record
SP50Exceeding statutory speed limit on motorway6 points, 4 years on DVLA record
IN10Using a vehicle uninsured against third-party risks6 points, 4 years on DVLA record
DR10Driving or attempting to drive with alcohol level above3-11 points, 4 years on DVLA record
CU80Breach of requirements as to control of vehicle (e.g., Mobile Phone use)6 points, 4 years on DVLA record

How convictions affect your insurance?

Driving convictions affect your premium by altering your statistical risk profile. Insurers use historical actuarial data to determine pricing. This data proves that drivers who break motoring laws are mathematically more likely to be involved in future accidents or file insurance claims.

Use our comparison page to review providers and partners. Quotes are completed on third-party websites.

Compare the Market
Compare the Market is considered best for consumers who want to unlock long-term, everyday lifestyle savings and prefer a highly intuitive, automated process for tracking household renewals. While sites like Go.Compare focus strictly on policy feature data, Compare the Market excels at turning boring administrative tasks into tangible consumer rewards.
Comprehensive, TPFT
★ 4.6
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Go.Compare
A prominent UK financial and insurance price comparison website Go.Compare is considered best for consumers who prioritize a transparent breakdown of policy features rather than just hunting for the absolute lowest price. While most comparison platforms focus heavily on price ranking, Go.Compare's system is tailored to help users buy value-driven coverage
Comprehensive, TPFT, TPO
★ 4.4
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MoneySuperMarket
MoneySuperMarket (MSM) is considered best for consumers who want to save money across their entire household budget—not just insurance—and prefer cashback rewards and financial monitoring tools over cinema tickets or excess cover.It is widely regarded as the most comprehensive, all-round personal finance hub of the top three comparison sites.
Comprehensive, TPFT
★ 4.5
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Admiral
Multi-car households looking to stack linked policy discountsYoung or inexperienced drivers needing a trusted, highly rated black box trackMotorists wanting granular policy choice across four distinct tier options
Comprehensive (Essential, Admiral, Gold, and Platinum tiers), Third Party, Fire and Theft, Third Party Only
★ 4.5
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Aviva
Drivers seeking industry-recommended, 5-star Defaqto coverage tiersExisting Aviva customers looking to leverage multi-product loyalty discountsElectric vehicle owners wanting specialized, built-in EV infrastructure protections Aviva will pay the complete costs to replace lost keys
Comprehensive (Signature, Gold, and Platinum tiers), Third Party, Fire and Theft, Third Party Only
★ 4.7
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Churchill
Drivers seeking a household name with robust, built-in coverage commitmentsYoung or newly qualified motorists looking to reduce premiums via telematicsCommuters prioritizing guaranteed hire car options during vehicle repairs
Comprehensive (Essentials, Comprehensive, and Comprehensive Plus tiers), Third Party, Fire and Theft
★ 4.4
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Direct-Line
Drivers wanting comprehensive coverage that bypasses standard price comparison sitesPolicyholders looking for explicit, contractually protected claims promisesYoung or newly passed motorists seeking upfront behavioral premium discounts
Comprehensive (Essentials, Comprehensive, and Comprehensive Plus tiers), Third Party, Fire and Theft
★ 4.5
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Hastings
Drivers wanting 5-star Defaqto protection across multiple tier optionsTech-savvy motorists looking to manage their policy entirely through an appMulti-car households looking for structured, multi-vehicle discounts
Comprehensive (Essential, Direct, and Premier tiers), Third Party, Fire and Theft, Third Party Only
★ 4.4
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LV
Drivers looking for highly-rated comprehensive coverageMulti-car and multi-cover householdsElectric vehicle owners needing tailored EV features If your EV runs completely out of charge anywhere in the UK, they will arrange a free recovery tow to the nearest charging station.
Comprehensive, Third Party, Fire and Theft
★ 4.7
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Tesco Bank
Tesco Clubcard holders wanting exclusive discountsDrivers looking for highly-rated comprehensive coverThose seeking a guaranteed courtesy car during accident repairs
Comprehensive (Bronze, Silver, and Gold tiers), Third Party, Fire and Theft
★ 4.1
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Convicted Drivers Insurance FAQs

Can I get car insurance with a DR10?

Yes, you can absolutely get car insurance with a DR10 conviction, provided you have fully served your driving ban and have your physical licence back from the DVLA

Can I get car insurance after speeding convictions?

Yes, you can absolutely get car insurance after speeding convictions. Speeding is the most common type of motoring offense declared to insurers. Unlike severe offenses like drink driving, a minor speeding ticket rarely results in an automatic refusal by mainstream insurance brands.However, you will face an increased financial cost because underwriters view penalty points as a statistical indicator of a higher accident risk.

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