How To Get Insurance After A Driving Conviction or Ban?

Finding car insurance after a driving conviction or ban can feel daunting. Whether you’ve been previously disqualified or have points on your driving licence, the process of securing cover can seem overwhelming.Insurers often label convicted or dangerous drivers as high risk, making it harder to find affordable policies.

However, it’s important to know that specialist options are available. These options include car insurance for convicted drivers and tailored solutions for banned or disqualified drivers. At Riviera Insurance, we understand the challenges faced by drivers with past convictions and we’re here to help you find affordable car insurance.

This guide will show you how to navigate the market, reduce your premiums, and find car insurance that works for you—no matter your driving history.

Why Is It Difficult To Get Car Insurance Following A Driving Conviction?

Having a driving conviction, such as a DR10 for drink driving or a DD40 for dangerous driving, can make it difficult to secure car insurance because insurers often view convicted drivers as high-risk. Convictions like TT99, which indicate multiple offences, or disqualifications from driving entirely, signal a greater likelihood of future claims, leading to increased premiums or outright refusals of cover.

Mainstream insurers may consider such drivers “uninsurable,” making it harder to find cheap insurance for banned or disqualified drivers. And, if you lie, omit information, or don’t accurately answer your insurer’s questions (otherwise known as non-disclosure), you run the risk that any claim you make might not be paid and your policy terminated.

However, it’s important to remember that there are providers, like Riviera Insurance, who specialise in offering affordable and tailored insurance for convicted drivers, ensuring you can get back on the road legally and with confidence.

Are There Ways To Reduce The Cost Of Insurance For Convicted Drivers?

There are! Here is a summary of the best ways to reduce the cost of car insurance for convicted drivers:

Increase Your Voluntary Excess: Agreeing to pay a higher voluntary excess (the amount you contribute towards a claim) can lower your insurance premiums.
Drive A Safer Vehicle: Insurance companies classify cars by groups based on the make, model, engine size, registration date, value and how much it might cost to repair. Avoiding fast cars with high-powered engines can reduce the price of your convicted driver insurance.
Take A Driving Rehabilitation Course: Completing an approved course, such as those offered by the National Driver Offender Retraining Scheme (NDORS), demonstrates to insurers that you are committed to safer driving and may lead to a lower premium.
Park Your Car In A Secure Location: If your car is parked in a garage or on a driveway, it is considered safer than if it is parked on a road. If this is a possibility, make sure to declare this when getting an insurance quote.
Limit Your Mileage: If you drive less, your premium will be lower. However, ensure your estimate is accurate when arranging your insurance, as if you do lie about your mileage and make a claim, having a higher annual mileage could invalidate it.
Beware Of Ghost Brokers: If you are offered a quote that seems too good to be true, it probably is. Ghost broking is when an unscrupulous individual or company claims to be an insurance broker and sells you a fake or invalid policy. The policy may seem legitimate at first, but when you try to make a claim, you’ll quickly discover that you have no coverage. Riviera Insurance are committed to reducing Ghost Broking, all our advisors are trained in how to identify and report potential ghost broking.
Don’t Reoffend!: Avoiding future convictions and building up a no-claims bonus is one of the most effective ways to reduce your insurance premiums.
Shop Around: Research insurers and compare quotes from specialists such as Riviera Insurance.

How Can Riviera Insurance Help Convicted Drivers Arrange Motor Insurance?

Our team at Riviera Insurance are highly experienced in providing convicted driver insurance solutions in the UK. We offer comprehensive and affordable insurance plans that are tailored to give you peace of mind on the road, regardless of your driving history.

Our insurance options are also scalable. We are available to service individual drivers, van owners, and even taxi fleets. At Riviera, we tailor out insurance packages to your individual needs, not the other way around. While arranging motor insurance as a convicted driver can be challenging, we are confident that we can help you with an affordable premium, covering your unique requirements.

We are proud to provide excellent customer service and our 5* rating on both Google and Facebook reflects our dedication to our customers.Simply fill in this form and one of our advisors will be in touch with more information.

Riviera Insurance: Big Enough To Save, Small Enough To Care

Our staff are empowered to contact insurance companies and underwriters on your behalf, giving an entirely personal service across the whole UK with no call centres. We take the time to know your insurance needs to offer you the cheapest insurance policy. With the added benefit of optional cover, options are customised to you and your bank balance. Finding cheap insurance has never beeneasier. For more information on our policies, and to get started on your new insurance package, contact us today.