Introduction
A motoring conviction does not end your right to drive, but it does change how insurers view your risk for a period of time.
Whether the offence is speeding (SP30), using a mobile phone (CU80), careless driving, drink or drug driving (DR10/DR80), failing to provide driver details (MS90), or driving without insurance (IN10), the consequences extend beyond fines and points.
Premiums can increase, policy terms can tighten, and some providers may decline to quote. Yet thousands of UK motorists with convictions remain legally and affordably insured.
Common Conviction Codes
SP30 - Speeding
The most common endorsement. A single SP30 may raise premiums but rarely causes outright refusal. Multiple offences signal higher risk.
CU80 - Mobile Phone Use
Regarded as high-risk due to distraction-related collisions. Premium impacts can be notable.
IN10 - Driving Uninsured
Serious in underwriting terms. Expect fewer market options and higher excesses for a period.
DR10/DR80 - Drink or Drug Driving
Significant impact. May require longer claims-free periods, higher excesses, or telematics.
How Long Do Convictions Affect Insurance?
Many minor endorsements exert most of their pricing impact for three to five years from the date of offence or conviction. Serious alcohol or drug offences can influence pricing longer.
Each claim-free, conviction-free renewal moves you back toward mainstream markets. Keep renewal documentation and proof of no-claims discount orderly.
What You Must Disclose
Answer exactly what is asked. If the form requests the date of offence, conviction code, points and fines, provide those accurately.
- Keep copies of court letters or DVLA records
- List all offences from a single incident if asked
- Do not assume the insurer will find out anyway
- Under-disclosure can invalidate cover at claim time
Policy Structures That May Help
Named-Driver Policies
Limiting who may drive reduces uncertainty; some insurers price more favourably with restricted drivers.
Telematics Policies
Consistent smooth driving and speed compliance often improve renewal pricing over time.
Mileage-Capped Policies
Lower mileage means less exposure. Caps aligned with telematics evidence can help.
Vehicle Choice
Lower insurance-group vehicles, avoiding modifications, and fitting security can moderate premiums.
Common Pitfalls to Avoid
- Under-disclosure - Leaving out offences can invalidate cover later
- Fronting - Putting someone else as main driver is insurance fraud
- Driving during disqualification - Compounds problems and can lead to further bans
- Letting cover lapse - If your car remains taxed, CIE penalties apply
Frequently Asked Questions
How long must I declare convictions?
Answer the question as asked by the insurer. Many ask for five years of motoring convictions.
Can I get insurance during disqualification?
You cannot drive whilst disqualified. You may obtain laid-up cover for a stored vehicle.
Will telematics guarantee a lower premium?
No guarantees, but sustained good scores often support improved renewal terms.
Conclusion
Convicted driver insurance is about alignment and discipline. Insurers price recent behaviour because it predicts risk; you manage that reality by choosing an appropriate car, disclosing accurately, considering telematics, and building a clean year on the road.
There are no shortcuts—only a clear path back to normality through safe driving and good administration. With realistic expectations and steady progress, most drivers can rebuild a solid insurance profile over time.