Convicted Driver Insurance
If you’re struggling to get cover and are at a loss for what to do, we can help. At Adrian Flux, we believe in second chances and understand that many convicted drivers regret their mistakes and go on to become safer drivers. Our understanding team is on hand to discuss your situation and help you get back on the road.
Which driving convictions can Adrian Flux cover?
We offer cover for drivers with any driving conviction. We know that a driving conviction can follow you for years to come, in some cases having a negative impact on your career if you previously depended on your vehicle for work.
As a specialist insurance broker, we work with a number of insurers that are more tolerant of drivers deemed a “high risk”. As a result, we’re better equipped at getting you a quote.
Just some of the convictions we can cover include:
- Drivers with criminal convictions
- DR10 – driving or attempting to drive with alcohol level above limit
- DR20 – driving while under the influence of alcohol or drugs
- DG10 – driving or attempting to drive with drug level above the specified limit
- Drivers whose insurance has been cancelled, refused or voided
- IN10 – driving a vehicle uninsured
- TS10 – failing to comply with traffic light signals
- SP30 – exceeding the statutory speed limit
- DD30 – driving recklessly
- LC10 – driving without a licence
- TT99 – totting up 12 or more points on your licence
How does a driving conviction affect motor insurance?
If you’ve got points on your licence or a driving ban, most insurance companies tend to see you as a higher risk, meaning you could face higher insurance premiums. You might even find that some providers refuse to cover you altogether.
As a specialist insurance broker, we look at drivers with convictions a little differently. We understand that in many cases, the conviction was a one-off mistake, and many convicted drivers take courses and get support to fix the underlying issues.
As a result, we’re able to offer convicted driver insurance to motorists when other insurance companies cannot. And in many cases, we can cover drivers with convictions without hiking up their premium at all. If you want to talk to someone about your situation, our team is available every day of the week to discuss your circumstances and help you find a solution.
Why choose Adrian Flux for convicted driver insurance?
With more than [[ FLUX_EXPERIENCE ]] years of experience, we offer flexible and competitive quotes for all circumstances, sourcing the best available scheme from among the many offered by our panel of over [[ FLUX_INSURERS_CNT ]] insurers.
Just like our other policies, our convicted driver insurance can be tailored to suit your needs.
- Our understanding team is on hand to discuss your needs
- Flexible payment plans depending on your circumstances
- Discounts, including for experienced drivers and limited mileage policies
- Cover for all types of vehicles, including classics, hot hatches, performance vehicles, vans, and more
- Optional extras, including keycare and breakdown cover
- Bespoke quotes to suit your needs and budget
Extra Benefits
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Agreed Value
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Breakdown
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Keycare
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Public Liability
Do I have to declare my driving convictions?
Yes, it’s important that you declare any driving convictions and points on your licence if they haven’t been spent. Not doing so could invalidate your insurance policy, meaning you’d have to pay out of pocket for a claim.
Does having points on my licence affect insurance premiums?
Unfortunately, having points on your licence can impact your insurance premium and could prevent you from finding cover altogether. We know how worrying this can be, especially if you depend on your car for work, school runs, or any other aspects of your life.
Thankfully, we’re often able to provide cover with little to no increase to your premium in a lot of cases. We’re always a call away, with an understanding human at the end of the line to help you find cover.
Can I still get affordable car insurance as a convicted driver?
Whilst the points on your licence could increase your premium, we can compare quotes from insurers to find the companies most lenient towards convicted drivers. This usually results in us being able to find you cover at a price that’s comparable to quotes you received before you got the conviction.
Another solution is black box insurance. If you’re eager to prove that you’re a safe driver following a motoring conviction, telematics cover is a great option and is particularly suited to drivers who are considered a higher risk. Driving safely can help reduce your premium by up to 60% on renewal, and our telematics policies don’t limit you in the ways that most policies do.
Do you offer van insurance for drivers with previous convictions?
Yes, at Adrian Flux, we’re committed to treating customers as individuals. As such, we aim to provide fair and reasonable quotes on van insurance for drivers with previous convictions too. Van insurance risks are assessed in exactly the same way as car insurance risks.
Can I get convicted driver insurance as a young driver?
Age and previous record should not prevent you from having access to car insurance. Our insurance experts analyse your precise needs to offer convicted insurance for young drivers too.
Can I get cover if I’ve previously been banned or disqualified from driving?
If you’ve been disqualified from driving because you’ve totted up 12 or more points within three years, or you’ve received an instant driving ban for dangerous or reckless driving, you might find that even after serving the ban in full, you struggle to find cover.
Here at Adrian Flux, we understand that a previous ban or disqualification won’t automatically make you a more reckless or dangerous driver when you get back behind the wheel again – especially if your job’s on the line. That’s why we offer specialist car insurance for banned drivers that’s tailored to your needs and situation. Give us a call to speak to our team.
FAQs
We work with over [[ FLUX_INSURERS_CNT ]] insurers, meaning we can cover almost any combination of vehicle and driver even if you have points on your licence.
If you’ve been refused cover, call us to speak to our team. We understand how stressful it can be to come back from a ban or motoring conviction only to discover that you can’t get the insurance you need to get back on the road.
With over [[ FLUX_EXPERIENCE ]] years of experience finding car insurance for “high-risk” drivers, we’re specially equipped to help you get a quote even when other providers are unable.
When your convictions are spent, your past misdemeanours have been forgiven in the eyes of the law, but in a lot of cases, insurance companies remain cautious about providing cover to previously convicted drivers.
Whether you have spent or unspent points on your licence, our understanding team are happy to discuss your car insurance needs and find you a convicted driver insurance quote that’s tailored to you and your car.
The full list of UK driving convictions are below. Note that we consider covering all of these driving offences, so get in touch if you need motor insurance as a convicted driver.
Accident Offences
AC10 Failing to stop and/or give particulars after an accident
AC20 Failing to give particulars or report accident within 24 hrs
AC30 Undefined accident offences
Disqualified Driver
BA10 Driving while disqualification by order of the court
BA20 Driving while disqualified as under age
BA30 Attempting to drive while disqualified by order of the court
Careless Driving
CD10 Driving without due care and attention
CD20 Driving without reasonable consideration for other road user
CD30 Driving without due care and attention or without reasonable consideration
CD40 Causing death – careless driving when unfit through drink
CD50 Causing death – careless driving when unfit through drugs
CD60 Causing death – careless driving with alcohol level above limit
CD70 Causing death – careless driving – failing to supply specimen
Construction and Use Offences
CU10 Using a vehicle with defective brakes
CU20 Using a vehicle with parts or accessories in dangerous condition
CU30 Using a vehicle with defective tyres
CU40 Using a vehicle with defective steering
CU50 Causing or likely to danger by reason of load or passengers
CU60 Undefined failure to comply with Construction and Use Regulations
Dangerous / Reckless Driving
DD10 Driving in a dangerous manner
DD20 Driving at a dangerous speed
DD40 Dangerous driving
DD50 Causing death by dangerous driving
DD60 Manslaughter or culpable homicide while driving a vehicle
DD70 Causing death by reckless driving
DD80 Causing death by dangerous driving
Drug Offences
DG10 – Driving or attempting to drive a vehicle whilst under the influence of drugs
DG60 – Found guilty of causing death by careless driving whilst under the influence of drugs
Drink or Drugs Driving Convictions
Here at Adrian Flux we can provide insurance for people who have had a range of drug and alcohol related driving offences. Please see our Drink Driver Insurance page for more.
DR10 Driving or attempting to drive with alcohol above limit
DR20 Driving or attempting to drive while unfit through drink/drugs
DR30 Driving or attempting to drive/refusing or failing to supply specimen
DR40 In charge of vehicle while alcohol level above limit
DR50 In charge of vehicle while unfit through drink or drugs
DR60 Failure to provide specimen for analysis other than driving
DR70 Failure to provide specimen for breath test
DR80 Failure or attempting to drive when unfit through drugs
DR90 In charge of a vehicle when unfit through drugs
Insurance Offences
IN10 Using a vehicle uninsured against third party risks
Licence Offences
LC10 Driving without a licence
LC20 Driving while under age. Driving other than in accordance
LC30 Driving after making a false declaration about fitness
LC40 Driving a vehicle having failed to notify a disability
LC50 Driving after a licence has been revoked or refused medical
Miscellaneous Offences
MS10 Leaving a vehicle in a dangerous position
MS20 Unlawful pillion riding
MS30 Play street offences
MS40 Driving with uncorrected defective eyesight or refusing test
MS50 Motor racing on the highway
MS60 Offences not covered by other codes
MS70 Driving with uncorrected defective eyesight
MS80 Refusing to submit to an eyesight test
MS90 Failure to give information as to identity of driver etc.
NE99 Non-endorsable criminal Act
Motorway Offences
MW10 Contravention of Special Roads Regulations
Pedestrian Crossings
PC10 Undefined Contravention of a Pedestrian Crossing Regulation
PC20 Contravention of Pedestrian Crossing Regulations – moving vehicles
PC30 Contravention of Pedestrian Crossing Regulations – stationary vehicles
PL10 Driving without ‘L’ plates
PL20 Not accompanied by a qualified person
PL30 Carrying a person not qualified
PL40 Drawing an unauthorised trailer
PL50 Undefined failure to comply with conditions of Provisional
Speed Limits
SP10 Exceeding goods vehicle speed limits
SP20 Exceeding speed limit for type of vehicle
SP30 Exceeding statutory speed limit on a public road
SP40 Exceeding passenger vehicle speed limit
SP50 Exceeding speed limit on a motorway
SP60 Undefined speed limit offence
Traffic Direction and Signs
TS10 Failing to comply with traffic light signals
TS20 Failing to comply with double white lines
TS30 Failing to comply with a ‘Stop’ sign
TS40 Failing to comply with direction of a constable or warden
TS50 Failing to comply with traffic sign
TS60 Failing to comply with a school crossing patrol sign
TS70 Undefined failure to comply with a traffic direction or sign
Special Code – Totting Up
TT99 To signify disqualification under “totting-up” procedure
Theft or Unauthorised Taking
UT10 Taking and driving away without consent or attempt thereat
UT20 Stealing or attempting to steal a vehicle
UT30 Going equipped for stealing or taking a vehicle
UT40 Taking/driving/be carried in a vehicle without consent
UT50 Aggravated taking of a vehicle
