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Criminal ConvictionInsurance
Criminal Conviction Insurance
Have a criminal conviction unrelated to driving? We help you find suitable car insurance through specialist insurers.
Have a criminal conviction unrelated to driving? We help you find suitable car insurance through specialist insurers.
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What is criminal conviction insurance?
Criminal conviction insurance is car insurance for drivers with an unspent criminal conviction that has nothing to do with driving, such as theft, assault, drug possession, burglary or fraud. Many insurers ask about these on their proposal form, separately from any motoring history.
“Under the Rehabilitation of Offenders Act, many convictions eventually become ‘spent’ and don’t need to be declared, but unspent ones usually do.”
The right cover depends on:
The nature of your convictionWhether you’ve had other convictionsWhether it’s spent or unspentYour driving history separatelyHow long ago it happenedHow you use your vehicle
Is this a motoring conviction, or something else?
Is this a motoring conviction, or something else?
If your conviction relates to driving specifically, a dedicated page may fit better.
If your conviction relates to driving specifically, a dedicated page may fit better.
Drink or Drug Driving
If your conviction was for a DR or DG code specifically.
Banned Driver
If your conviction resulted in disqualification.
Dangerous Driving
If your conviction was for a DD or CD code.
Uninsured Driving
If your conviction was for driving uninsured (IN10).
Penalty Points
If you’re not sure which specific motoring offence applies.
Not Sure Which Applies?
Check your exact code and points on your DVLA driving record.
What could go wrong and what covers it?
What could go wrong and what covers it?
The situations drivers with a criminal conviction worry about most are being refused cover, paying far more than before, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
The situations drivers with a criminal conviction worry about most are being refused cover, paying far more than before, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
Is criminal conviction insurance right for you?
This type of cover may be suitable for drivers with a range of non-motoring convictions.
This cover may be suitable for:
Drivers With an Unspent ConvictionYoung or New Drivers with a ConvictionDrivers Recently Released from CustodyDrivers Declined ElsewhereDrivers With Multiple ConvictionsDrivers With Older ConvictionsReal-world scenarios. Real-world cover
Real-world scenarios. Real-world cover
These are the everyday situations we see for drivers with a criminal conviction, and the cover that responds in each case.
These are the everyday situations we see for drivers with a criminal conviction, and the cover that responds in each case.
Applying for a new policy
You need to declare an unspent conviction on a new application.
What typically happens
Specialist insurer may be needed
Renewal with an existing insurer
Your conviction happened after your policy started.
What you should do
Must be declared, may affect renewal terms
Unsure if a conviction is spent
You’re not sure whether you need to declare an old conviction.
What typically happens
Check the Rehabilitation of Offenders Act rules or ask a solicitor
Non-disclosure
You don’t tell your insurer about an unspent conviction.
What typically happens
Policy can be voided entirely
What affects the cost of criminal conviction insurance?
Insurance with a criminal conviction depends on the type of offence, whether it is spent or unspent, how recently it happened, your driving record and the vehicle you want to insure.
The nature of the conviction
More serious offences typically carry a higher premium than lower-risk ones.
Your driving history separately
A clean driving record may help your case.
Whether it’s spent or unspent
Only unspent convictions generally need to be declared.
Level of cover chosen
Third party, third party fire & theft or comprehensive cover all affect price differently.
How long ago it happened
More recent convictions are generally viewed as higher risk.
How you use your vehicle
Personal or work-related driving can be assessed differently.
Related conviction pages
Related conviction pages
Motoring and non-motoring convictions are rated differently. If your conviction has a specific offence code, the page for that code will explain what insurers look at.
If your conviction is motoring-related, one of these may fit better.
Motoring and non-motoring convictions are rated differently. If your conviction has a specific offence code, the page for that code will explain what insurers look at.
If your conviction is motoring-related, one of these may fit better.
| Code | Offence | Typical Points | Duration on licence |
|---|---|---|---|
Drink Driving | Alcohol-related driving offences | DR10, DR70 | 4-11 years |
Drug Driving | Drug-related driving offences | DG10, DG40, DR80, DR90 | 4-11 years |
Dangerous Driving | Careless or dangerous driving | CD & DD codes | 4 years |
Banned Driver | Any disqualification offence | Various | 4-6 years |
IN10 | Uninsured driving | IN10 | 4 years |
TT99 | Totting up 12+ points | TT99 | 4 years |
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for your business.
Simple steps. Expert advice. The right cover for your business.
1
Tell us about your conviction
The offence, when it was, the sentence, and whether it’s spent under the Rehabilitation of Offenders Act.
2
Tell us about you and your vehicle
Your age, driving history, and the vehicle you want to insure.
3
We find insurers who will quote
Unspent criminal convictions must be disclosed, and many insurers decline. We go to those who don’t.
4
Choose your cover
We explain the options in plain terms and set up your policy, with no obligation.
UK-based specialist advisersAccess to 20+ specialist insurersNo obligation, just expert helpTrusted by thousands of drivers across the UK
Trusted by thousands of drivers across the UK
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
Criminal conviction insights & guides
Criminal conviction insights & guides
Practical advice on disclosure, spent convictions and getting the right cover.
Practical advice on disclosure, spent convictions and getting the right cover.
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about criminal conviction insurance and disclosure.
Find quick answers to common questions about criminal conviction insurance and disclosure.
Criminal conviction insurance is car insurance for drivers with an unspent conviction unrelated to driving, covering offences from theft and assault to fraud and drug possession. It works through specialist insurers who consider your specific circumstances.
Still have questions?
Our advisers are here to help you find the right solution.
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