Compare convicted driver van insurance

If you’ve been convicted of a criminal offence –motoring or otherwise – you may find it harder to get cheap van insurance. But there are ways to find cover that’s both affordable and meets your needs. 

If you’ve been convicted of a criminal offence –motoring or otherwise – you may find it harder to get cheap van insurance. But there are ways to find cover that’s both affordable and meets your needs. 

Daniel Hutson
From the Motor team
minute read
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Posted 4 OCTOBER 2019

Criminal convictions and van insurance

Any type of criminal conviction is likely to affect the cost of your van insurance. Statistics show that drivers with a criminal conviction are more likely to be in an accident and need to make a claim. An insurance provider is likely to reflect this added risk in the form of a higher premium.  

If your conviction was linked to motoring, again, you can expect to pay more for van insurance. If you’re finding it hard to get van insurance from regular providers after a driving conviction, you might need to find a specialist insurance policy.

What qualifies as a criminal conviction?

A criminal conviction is when a court of law finds you guilty of a crime. Convictions can be anything from failing to pay a fine for littering, to a speeding offence.  

You’ll need to tell a van insurance provider about any unspent convictions you have. Convictions that are considered ‘spent’, under the Rehabilitation of Offenders Act 1974, do not have to be disclosed.

A criminal conviction becomes spent after a specified amount of time, except with prison sentences of more than four years which are never spent.  

Reprimands, final warnings and cautions are spent immediately and don’t have to be disclosed. The charity Unlock has a calculator that lets you know when convictions are spent.

How do van driving convictions work?

If you commit a criminal offence on the road, it will result in you going to court and your driving record will be endorsed. An endorsement stays on your record for between four to 11 years. Again, the length of time will depend on how serious your charge was.

You can also expect to get penalty points on your licence – if you collect 12 points within three years, you’re very likely to be banned from driving for (at least) six months. If you get six points within two years of passing your test, then it’s likely you’ll be disqualified from driving. You’d then have to apply for a new provisional licence, and pass your theory and practical driving tests again. 

Comparing van insurance quotes for convicted drivers

It’s important to answer questions about any past driving convictions accurately and in full when comparing van insurance quotes. Failing to disclose any unspent convictions when asked by an insurance provider could result in a further conviction. And because insurance providers share information with one another, you might find it harder to secure cover in the future.

Van insurance providers take different approaches to adjusting premiums for those with driving and/or non-driving convictions. Therefore it’s worth running a full price comparison to help you find van cover that meets your needs.

If you’re still finding it hard to get van cover, there are specialist providers and brokers of van insurance.  Again, Unlock  – a charity that offers support for people with convictions – might be able to help you with more information and advice.

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