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Compare convicted driver car insurance

Compare convicted driver car insurance

If you’ve been convicted of a criminal offence, it can make car insurance difficult to find and it might be more expensive. Compare car insurance with us and we’ll help you to find cover that you can afford.

Daniel Hutson
From the Motor team
minute read
posted 29 OCTOBER 2019

How does a criminal conviction affect my car insurance?

Any kind of criminal conviction will affect the cost of your car insurance because statistics show that drivers who have a criminal conviction are more likely to be involved in an accident and make a claim. And that means insurance providers consider them to be a high risk and adjust their premiums upwards accordingly. If you’re finding it difficult to obtain car insurance from regular insurance providers as a convicted driver, you may need to go to a specialist insurance provider.

Do I need to declare criminal convictions?

You only need to give details about any unspent convictions to a car insurance provider – convictions considered spent under the Rehabilitation of Offenders Act 1974 do not have to be disclosed. Criminal convictions become spent after a specified amount of time – the amount of time depends on the sentence that you were given.

For example, if you were sentenced to less than six months in prison, your conviction would become spent two years after the end of your sentence. However, if you were given a sentence of more than four years, your conviction will always be considered unspent. Cautions, reprimands and final warnings are spent immediately and do not have to be disclosed.

If you’re unsure whether your conviction is spent, you can check it's status online.

If you don’t tell your insurance provider about any unspent convictions (driving related or not), it could make your car insurance invalid. And that means if you make a claim, your provider might not pay out, leaving you with a potentially very large bill to pay. You might also find it even more difficult to get insurance in the future.

Do I need to tell my insurance provider if I’m convicted while I have car insurance?

If you’re convicted of an offence while you have car insurance, you don’t have to declare it to your insurance provider until it’s time to renew your policy, unless the terms and conditions of your insurance state otherwise.

What can I do if my insurance provider refuses to pay a claim?

If your provider refuses to pay a claim on the basis of non-disclosure or misrepresentation, you can complain to the Financial Ombudsman Service (FOS).

Non-disclosure is when you fail to tell your provider something when you apply for or renew your insurance. For example, if you don’t disclose an unspent conviction.

Misrepresentation is when you give your insurance provider information that isn’t accurate. For example, if you lie about what your conviction was for.

How can I cut the cost of convicted driver insurance?

There are various ways to that could help to lower the cost of your premium. You might want to consider a telematics insurance policy, increasing your voluntary excess or restricting your mileage. And when the time comes to renew your car insurance, always compare the market with us to ensure you get a great deal to suit your needs.

How can I get car insurance if I have a criminal conviction?

Finding car insurance if you have a criminal conviction – whether it is related to driving or not – can be tricky, but a good place to start is our car insurance comparison service. We’ll ask you for your details and you’ll need to declare any unspent criminal convictions. Based on the information you provide, we’ll show you a list of appropriate quotes – however, you may find that you’re restricted by the amount of policies on offer.

If you’re still finding it difficult to get car insurance, there are specialist providers and brokers of car insurance. Unlock – a charity that provides support for people with convictions – has a list of specialist insurance brokers that may be able to help you.

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