If you have a driving conviction, getting car insurance can feel harder, but you can still compare options. The key is being accurate about your details and understanding what insurers may ask for.
Reviewed by MySupermarketCompare Editorial Team
This page is for UK drivers who:
If you're unsure what you need to disclose, this guide explains the common areas insurers may consider (in general terms).
In many cases, yes, but the price and available options can vary. Insurers may view some convictions as higher risk, especially if they are recent, severe, or linked to previous claims.
The most reliable approach is to compare quotes and answer questions accurately.
Different insurers treat convictions differently, but common examples include:
Some convictions have a bigger impact than others, and the effect often reduces over time. Insurers may classify drivers with convictions as high risk, affecting availability and pricing. If your vehicle has been impounded, see our impounded car insurance guide for specific guidance.
Pricing is usually influenced by a combination of factors, including:
The type of conviction, endorsement code, how recent it was, and whether there were multiple offences.
Your age, driving experience, and claims history all factor into the assessment.
The car you drive (insurance group / performance), where it's kept overnight, and annual mileage.
Cover type, excess level, and vehicle use all affect the quote. If you use your car for work, check business use insurance requirements.
Comparing quotes helps you see how different providers respond to the same information.
For convicted drivers, accuracy is especially important. Common mistakes include:
Always answer questions truthfully. Incorrect information can cause problems if you need to claim. Some providers may not offer cover for certain convictions. If you've had car insurance declined, comparing other options can help.
If you're looking to keep costs manageable, these general tips can help:
Start your quote online now and view options available from UK providers.
Start a Quote in 2 Minutes →This page was created to help UK drivers understand how convictions may affect car insurance and what to consider when comparing quotes. It is reviewed for clarity and updated as needed to stay accurate and useful.
MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice. MySupermarketCompare.com is an Introducer Appointed Representative (IAR) of Seopa Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 313860). The insurance comparison service is provided by Seopa Ltd. Always read policy terms and conditions before purchasing. Individual outcomes and premiums vary based on personal circumstances.
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