Can drivers with convictions get car insurance in the UK?
Yes — but convictions must be declared, and standard comparison sites often return no viable results. Whether your conviction is motoring (SP, IN, DR codes) or non-motoring, there are specialist brokers with access to underwriters who consider these applications.
Motoring convictions
Motoring convictions include speeding (SP codes), drink driving (DR codes), careless driving, uninsured driving (IN codes), and more. Each carries a different level of risk in underwriters' eyes. Points on your licence typically affect premiums; more serious convictions may require a specialist broker entirely.
Non-motoring convictions
Non-motoring criminal convictions must also be declared for car insurance, home insurance, and most other personal lines policies. The specific offence, date, and sentence will be assessed individually. Specialist brokers present your full circumstances to underwriters rather than simply entering data into an automated system.
Spent vs unspent convictions
For insurance purposes, both spent and unspent convictions typically need to be declared — unlike employment, where the Rehabilitation of Offenders Act provides more protection. Your broker will advise you on what needs to be disclosed for your specific policy type.