Do car insurers ask about criminal convictions?
The information in this article is for editorial purposes only and not intended as financial advice.
The information in this article is for editorial purposes only and not intended as financial advice.
What to disclose when applying for car insurance and how spent convictions affect your answers.
What Is a Driving Conviction?
When you commit a driving offence, you might end up being convicted if the offence is serious enough to warrant prosecution.
Civil penalty charge notices, such as council parking PCNs, are different from criminal driving convictions. Fixed penalty notices and prosecutions follow different procedures. Check the type of notice and the specific offence rather than treating every “ticket” as the same.
However, a fixed penalty notice is different and some offences that result in a fixed penalty notice can become the basis of a conviction.
Here are some examples of driving offences that could lead to you being convicted:
- Speeding
- Drunk driving.
- Drugged driving.
- Ignoring traffic signals and signs.
- Racing or driving dangerously or recklessly.
What Are the Disqualifying Convictions?
Some driving offences are so serious, they can result in you losing your licence and being banned from driving for several years. Offences that could lead to a ban include:
- Careless driving.
- Not stopping at the scene of an accident.
- Failing to report an accident.
- Driving while uninsured.
- Serious speeding offences.
- Jumping a red light.
You don’t necessarily have to be caught by the police committing an offence. Evidence from a traffic camera can be the basis of a prosecution and subsequent driving ban.
Do You Have To Tell Insurance?
Take reasonable care to answer the insurer’s questions accurately about unspent convictions, points and bans. Check the policy for changes you must report before renewal. Spent convictions generally do not need to be disclosed for ordinary motor insurance, even when asked. If the question or your conviction’s status is unclear, get advice before answering.
Compare cover as well as price
Compare cover, excess, exclusions, payment terms and total price. Answer the insurer’s questions accurately.
A comparison does not guarantee a saving or an offer of insurance.
Advertisement. MoneyNerd introduces enquiries to Quotezone and may receive a referral fee. Prices, cover and acceptance depend on your circumstances and the insurer.
Are there Insurers that Don’t Ask About Convictions?
Application questions and insurer criteria vary. Read the actual wording and answer accurately, rather than trying to find a provider that forgets to ask. A provider may distinguish motoring convictions from other criminal convictions. If a question is unclear, ask the insurer or broker to explain it.
Advertisement. MoneyNerd introduces enquiries to Quotezone and may receive a referral fee. Prices, cover and acceptance depend on your circumstances and the insurer.
How Long Do the Convictions Last?
Driving-record retention and the period before a conviction becomes spent are different. The sentence, your age and the relevant UK jurisdiction matter. The end of a ban or removal of an endorsement does not automatically settle the disclosure question. See the official rehabilitation guidance for England and Wales; check the separate rules for Scotland or Northern Ireland where relevant.
A DVLA record check shows driving-record information; it is not a substitute for checking the rehabilitation rules that apply to your sentence.
Will It Have an Impact on Your Vehicle Insurance?
There is no fixed percentage or cash increase that applies to everyone. Insurers consider the offence, driving history, vehicle, address, use and other factors. A historic average cannot predict your quote, and some insurers may decline. Compare current personalised quotes for suitable cover.
Compare insurance quotes with Quotezone
Use Quotezone to compare insurance quotes. Prices, cover and acceptance depend on your circumstances and the insurer.
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Can You Get Cheap Vehicle Insurance With a Driving Conviction?
Compare premiums alongside cover, exclusions, compulsory and voluntary excess and any instalment interest. Specialist insurers and brokers may help, but are not automatically cheaper. Use accurate mileage and vehicle-use details. Only add a genuine named driver, identify the main driver correctly and choose an excess you can afford.
A conviction can reduce your choices or increase premiums, but there is no rule that every policy must be unaffordable. Compare current quotes without assuming that a specialist provider is automatically best.
| How to Reduce Insurance Rates | Keep in Mind… |
|---|---|
| Choose Your Car Wisely | Consider age, engine, insurance group & price. A lower insurance group may help, but the actual premium depends on the insurer and your circumstances. A high-powered & fast car, or cheap car with less value come with a higher risk, which means a higher premium. |
| Ensure Car Safety & Security | Park in a driveway or locked garage. Use safety technology. |
| Add a genuine named driver | An additional driver may change the quote. Always identify the real main driver accurately; naming someone else as the main driver to reduce cost can invalidate cover. |
| Drive Fewer Miles | Quote your expected mileage accurately; a lower estimate does not guarantee a lower premium. |
| Relevant rehabilitation course | If eligible and offered by the court, an approved drink-drive rehabilitation course can affect disqualification. Do not assume it will reduce an insurance premium. |
| Check the cover you need | Third-party cover protects against specified liabilities to others; third-party fire and theft adds specified cover for your vehicle; comprehensive usually adds accidental damage to your own vehicle. Exclusions, excesses and benefits vary, so read the policy. |
| Compare Policies and Opt Out of Extras | Get quotes tailored to your specific convictions and needs. Optional extras like excess protection, legal cover, breakdown, windscreen, and gadget cover are nice to have but come with added costs. |
| Increase Your Excess | Raising the amount of excess (upfront payment for any claim; the rest to be paid by the insurer) on your policy can lower your insurance premium. |
What Are Some Steps You Can Take to Rebuild Trust With Insurers?
Maintaining a safe driving record may help over time. Before paying for an additional driving course, ask an insurer whether it recognises the course and whether it would change the quote. A drink-drive rehabilitation course may reduce an eligible court-imposed ban; it does not guarantee an insurance discount.
