Car insurance for convicted drivers

Yes, you must declare any unspent criminal convictions when applying for car insurance. A conviction is considered "unspent" until it reaches a certain period, after which it becomes "spent" and no longer needs to be declared. Failing to declare unspent convictions could void your insurance, leading to serious financial and legal issues if you need to make a claim.

Car insurance for convicted drivers can be more expensive, but there are ways to help reduce your premiums. You could opt for a higher excess, which is the amount you pay towards any claim before your insurance covers the rest. Keeping your car securely in a garage or private driveway can also help lower costs, reducing the risk of theft or damage. Completing a recognised driving course, like a defensive driving course, can also show insurers that you are committed to safe driving, which might lower your premiums.

Yes, when applying for insurance for convicted drivers, you must declare any unspent criminal convictions of all named drivers on your policy. Insurers assess each driver's risk, so it's crucial to provide accurate information about everyone driving the car. Like your own convictions, failing to disclose the convictions of named drivers could void your insurance, leaving you unprotected. If you need clarification on what must be declared, get in touch with Lifesure.

How long a criminal conviction stays on your record depends on the type and severity of the conviction. Minor offences might be spent after a few years, while more severe convictions can stay on your record for much longer, sometimes indefinitely. For example, a driving conviction like speeding might be spent after a few years, but a conviction for dangerous or drink driving could take much longer to be considered spent.

If you've been refused car insurance due to your convictions, it can be disheartening, but there are still options available. You can reach out to specialist insurance providers like Lifesure. Our team can discuss your situation, and help you find suitable insurance cover. Give us a call to explore your options.