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Convicted Driver

At Call Wiser we understand that mistakes happen, but we don’t believe that you should be made to pay for these for the rest of your life.

Have you been convicted of speeding? Using your mobile whilst driving? Or driving without insurance?

Motoring convictions can make it difficult to find cost effective insurance for your vehicle. Many insurance companies will apply loadings onto their premiums, leaving you with little option but to pay the extra and often over the odds for your insurance.

Can I get Car Insurance as a Convicted Driver?

Yes indeed. Call Wiser are market leaders in placing and handling motor insurance, including insurance for drivers with motoring convictions or criminal convictions. We deal with over 100 different schemes from Insurers and can offer competitive quotes to those convicted of serious motoring offences.

Drink driving and other alcohol related motoring convictions can be accommodated and we have even negotiated with a number of Insurers to ignore minor convictions. No matter what your driving record, Call Wiser can help. Having a conviction does not sentence you to paying expensive premiums forever.


How to reduce the cost for Convicted Car Insurance

Insurers do increase their premiums if you've had a motoring conviction or two. The personal touch Call Wiser provides can make a difference when seeking a quotation. Our insurers know that your past is not necessarily a guide to the future and our specialists are able to ensure that all circumstances are taken into account, so you pay a fair price.

Some insurers have different policies for convicted drivers so the benefit of applying through a broker or comparison site is that you have access to a range of companies and policies so that you can get the best deal possible.

Other ways to reduce the cost is to consider increasing the excess you pay on your car or reduce the risk of theft by keeping your vehicle in a garage overnight or by ensuring the alarm is working correctly.


Drink Driver Insurance

Follow this link for drink driver insurance policies.

Convicted Driver

How to apply for Convicted Car Insurance

To apply, simply give us a call, which is completely free from landlines. Our dedicated staff in Andover, Hampshire is ready to take your call and provide a free and no-obligation quote.

We will ask you to require a few basic details including your driver’s license, vehicle information and details of your conviction. It is very important that we receive the correct information about your conviction so that we can work within the legal requirements to get you the best premium.

You can also apply online by simply filling in a few details and we will process this information and call you back today with a quote.

Trust Pilot


The types of convictions

The most common types of driver convictions include driving without insurance (IN10), driving with a handheld device (CU80) and speeding on a public road (SP30).

As mentioned above, making sure we have all the correct details of your conviction is crucial because some convictions can become ‘spent’ or removed from the system after a certain period of time.

For instance, if you were given a fine or community service, the conviction is ‘spent’ after five years and it may not have to be declared to insurers. Prison sentences under two and a half years are removed after 10 years and if you served for over two and a half years, the time is never spent and must always be disclosed to insurers. (Source: UNLOCK)

Below is the full list of driver convictions, their codes and definitions:

Conviction code

Definition

Conviction Code

Definition

AC10

Failing to stop and/or give particulars after an accident.

MS10

Leaving a vehicle in a dangerous position

AC20

Failing to give particulars or report an accident within 24HRS

MS20

Unlawful pillion riding

AC30

Undefined accident offences

MS30

Play street offences

BA10

Driving while disqualified by order of the court

MS40

Driving with uncorrected defective eyesight or refusing a test

BA20

Driving whilst disqualified under age

MS50

Motor racing on the highway

BA30

Attempting to drive while disqualified by order of the court

MS60

Offences not covered by other codes

CD10

Driving without due care and attention

MS70

Driving with non-corrected defective eyesight

CD20

Driving without reasonable consideration for other road users

MS80

Refusing to submit to an eyesight test

CD30

Driving without due care and attention or without reasonable consideration

MS90

Failure to give information as to identity of drivers etc.

CD40

Causing death – careless driving when unfit through drink

NE99

Non-endorsable criminal act

CD50

Causing death – when unfit through drugs

MW10

Contravention of special roads regulation

CD60

Causing death – careless driving with alcohol levels above limit

PC10

Undefined contravention of a pedestrian crossing regulation

CD70

Causing death - careless driving – failing to supply specimen

PC20

Contravention of pedestrian crossing regulations – moving vehicles

CU10

Using a vehicle with defective brakes

PC30

Contravention of pedestrian crossing regulations – stationary vehicles

CU20

Using a vehicle with parts or accessories in dangerous condition

PL10

Driving without ‘L’ plates

CU30

Using a vehicle with defective tyres

PL20

Not accompanied by a qualified person

CU40

Using a vehicle with defective steering

PL30

Carrying a person not qualified

CU50

Causing or likely to danger by reason of load or passengers

PL40

Drawing an authorised trailer

CU60

Undefined failure to comply with construction and use regulations

PL50

Undefined failure to comply with conditions of provisional

DD10

Driving in a dangerous manner

S19

Disqualification (totting up procedure)

DD20

Driving at a dangerous speed

S35

Disqualification (totting up procedure)

DD30

Reckless driving

SP10

Exceeding goods vehicle speed limits

DD40

Dangerous driving

SP20

Exceeding speed limit for type of vehicle

DD50

Causing death by dangerous driving

SP30

Exceeding statutory speed limit on a public road

DD70

Manslaughter or culpable homicide while driving a vehicle

SP40

Exceeding passenger vehicle speed limit

DD70

Causing death by dangerous driving

SP50

Exceeding the speed limit on a motorway

DR10

Driving or attempting to drive with alcohol above the limit

SP60

Undefined speed limit offence

DR20

Driving or attempting to drive while unfit through drink/drugs

TS10

Failing to comply with traffic light signals

DR30

Driving or attempting to drive/ refusing or failing to supply specimen

TS20

Failing to comply with double white lines

DR40

In charge of a vehicle while alcohol above the limit

TS30

Failing to comply with a STOP sign

DR50

In charge of a vehicle while unfit through drink or drugs

TS40

Failing to comply with a direction of a constable or warden

DR60

Failure to provide specimen for analysis other than driving

TS50

Failing to comply with traffic sign

DR70

Failure to provide specimen for breath test

TS60

Failing to comply with a school crossing patrol sign

DR80

Failure or attempting to drive when unfit through drugs

TS70

Undefined failure to comply with traffic direction sign

IN10

Using a vehicle uninsured against third party risks

TT99

To signify disqualification under ‘totting up’ procedure

LC10

Driving without a license

UT10

Taking and driving away without consent or attempt thereat

LC20

Driving while underage. Driving other than in accordance

UT20

Stealing or attempting to steal a vehicle

LC30

Driving after making a false declaration about fitness

UT30

Going equipped for stealing or taking a vehicle

LC40

Driving a vehicle having failed to notify a disability

UT40

Taking/driving/be carried in a vehicle without consent

LC50

Driving after a license has been revoked or refused a medical

UT50

Aggravated taking of a vehicle

XX99

To signify a disqualification under ‘totting up’ procedure


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