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View Poll Results: Which insurance company did you insure your vehicle with?

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Thread: Best Insurance Company for Convicted Drivers?

  1. #1
    Drinkdriving.org's Avatar
    Drinkdriving.org is offline Site Administrator
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    Default Best Insurance Company for Convicted Drivers?

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    It is common knowledge that drivers with convictions more often than not face higher insurance premiums than those without a conviction. Sometimes drivers are suprised that they actually find insurance cheaper after a conviction. This could be for a vartiety of reasons such as:


    • Searching and comparing more insurers in order to try and find the best price
    • Purchasing a different car once their disqualification had ended
    • Increasing the security of the vehicle
    • Becoming a named driver of an existing policy
    • In the case of drivers who have been banned, being older than they were before they were banned
    • Moving home or changing where the vehicle is kept overnight


    It would be useful if forum users who have driving licence endorsements and who were previously disqualified and/or recived penalty points for any driving offence or motoring conviction to share details of the insurance company who they chose to insure their vehicle with.

    Which insurance company did you find the best deal with? Did you get an insurance quote directly from an insurance company, use a broker or use a comparison engine?

    What was your experience of finding an affordable insurance policy as a convicted driver?
    Last edited by Forum Moderator; 09-09-2016 at 04:25 PM.

  2. #2
    passenger is offline Member
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    Default Re: Best Insurance Company for Convicted Drivers?

    i have been using 1st central for some time now,no problems.
    Last edited by Forum Moderator; 09-09-2016 at 04:25 PM.

  3. #3
    gstanley is offline Member
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    Default Re: Best Insurance Company for Convicted Drivers?

    Just got back on the road after a 13 month ban for blowing 66mg. Did the course to bring down from 17 months. I have DR10 and IN10 convictions on my license which made it quite difficult to find cover as many companies wouldn't touch me - mainly due to the IN10.

    I ended up insuring with Zenith - these frequently showed up on comparison sites with the best quotes on many cars/vans. Also, Elephant similarly often quoted very well.
    I am 23, in a good postcode with 5 years no claims bonus, insuring a 2008 honda civic 2.2 ctdi, (admittedly only third party fire & theft) but I paid 983 all in. - could've been cheaper if i'd bought the car sooner and insured earlier (see below)

    I tried quite a few of the "specialist" convicted driver insurers but frankly they were a complete waste of time for me. you spend 30 mins+ on the phone to them for most of them to quote the thick end of 2000+. And they have the audacity to try to convince you that you'll not find a better price with anyone else - don't listen to them.

    Just use confused.com or the equivalent - remember any no claims bonus you have will still be valid unless you've not used them for 2+ years, and put some other named drivers with a long clean driving record on to lower the premium too.

    Also, the best piece of advice i can give - start shopping around for a car and insurance at least 8 weeks before your ban is due to end. You can get insurance quotes for up to 30 days in advance of when you want cover to start - doing this can dramatically reduce quote prices compared to getting a quote to start the following day etc.

    Another thing; it seems to make a big difference the longer you've owned the vehicle. For example if you keep your car during your ban, having owned it for longer should have a good effect on price. If you sold your car and buy one just before your ban ends, don't lie and say you've owned the car for longer than you have, because they will most likely ask you for a scanned copy of the V5 certificate. Insurers do anything to get out of paying out claims - don't give them any reason to refuse/cancel your insurance or not pay out!

    Safe driving again!

  4. #4
    Anonymous90 is offline Member
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    Default Re: Best Insurance Company for Convicted Drivers?

    Convicted Driver Insurance Quotes
    Quote Originally Posted by gstanley View Post
    Just got back on the road after a 13 month ban for blowing 66mg. Did the course to bring down from 17 months. I have DR10 and IN10 convictions on my license which made it quite difficult to find cover as many companies wouldn't touch me - mainly due to the IN10.

    I ended up insuring with Zenith - these frequently showed up on comparison sites with the best quotes on many cars/vans. Also, Elephant similarly often quoted very well.
    I am 23, in a good postcode with 5 years no claims bonus, insuring a 2008 honda civic 2.2 ctdi, (admittedly only third party fire & theft) but I paid 983 all in. - could've been cheaper if i'd bought the car sooner and insured earlier (see below)

    I tried quite a few of the "specialist" convicted driver insurers but frankly they were a complete waste of time for me. you spend 30 mins+ on the phone to them for most of them to quote the thick end of 2000+. And they have the audacity to try to convince you that you'll not find a better price with anyone else - don't listen to them.

    Just use confused.com or the equivalent - remember any no claims bonus you have will still be valid unless you've not used them for 2+ years, and put some other named drivers with a long clean driving record on to lower the premium too.

    Also, the best piece of advice i can give - start shopping around for a car and insurance at least 8 weeks before your ban is due to end. You can get insurance quotes for up to 30 days in advance of when you want cover to start - doing this can dramatically reduce quote prices compared to getting a quote to start the following day etc.

    Another thing; it seems to make a big difference the longer you've owned the vehicle. For example if you keep your car during your ban, having owned it for longer should have a good effect on price. If you sold your car and buy one just before your ban ends, don't lie and say you've owned the car for longer than you have, because they will most likely ask you for a scanned copy of the V5 certificate. Insurers do anything to get out of paying out claims - don't give them any reason to refuse/cancel your insurance or not pay out!

    Safe driving again!
    This surprised me. I've got the numbers of 3 or 4 specialist companies. I'm ready to phone them and ask, but wondering whether it'll be worth it. I would guess the car makes a big difference, but if it was up to them, they'd probably have everyone with a prior conviction driving a 1L MK1 Punto from the mid 90s.

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