Compare Car Insurance with a CCJ (County Court Judgement)

  • Save up to £515* on your car insurance
  • 97% of reviewers recommend Free Price Compare
  • Compare car insurance quotes from 120+ insurers
GB
Retrieve Quotes

Don’t have your registration number? No problem, click here.

Tip: Some insurers offer discounts for low annual mileage. Consider this if you don't drive often.

4000+ reviews

We compare car insurance quotes from 120+ companies...

Wide variety of insurance options available to help you find a suitable policy

Happy Customers

We've served thousands of policies to
thousands of happy customers.

Price Comparison Market

10+ years experience in
the Price Comparison Market.

Car Insurance Companies

We'll display quotes from
120+ car insurance companies.

  • Find affordable cover, even with a CCJ
  • Compare UK insurers and save today
  • Specialist policies for high-risk drivers

How Does a CCJ Affect Car Insurance?

A County Court Judgement (CCJ) in the UK can make it tough to get cheap car insurance. Insurers don’t directly look at credit scores when setting premiums. However, a CCJ shows that there have been debts not paid in the past. This can lead to higher insurance costs. Many insurers see CCJ holders as a higher risk. This is especially true when they provide monthly payments through direct debit.

Specialist insurance companies provide custom policies to help people with a CCJ get car insurance at the most competitive rates.

Why Does a CCJ Impact Car Insurance Premiums?

Insurers look at several factors when deciding the price of your car insurance. A CCJ does not always raise your premium. However, it might reduce the number of providers that want to insure you.

How Insurers Assess Risk for CCJ Holders

Risk Factor Impact on Insurance Premiums
Poor credit history Higher premiums or payment rejections
Late payments Increased financial risk for insurers
Higher risk of missed payments Fewer monthly car insurance options
Hard search credit checks Possible impact on future borrowing

Drivers with a CCJ can still get car insurance. However, they might have to look beyond regular companies. They should seek out policies from a panel of specialist insurance providers.

How Much Does Car Insurance Cost for CCJ Holders?

Credit Status Average Annual Premium (UK, 2024) Monthly Payments (With Interest)
Good Credit £500 - £1,000 £50 - £85 per month
Fair Credit £700 - £1,300 £70 - £110 per month
Poor Credit £900 - £1,500 £90 - £140 per month
CCJ Holder £1,100 - £1,800 £110 - £180 per month

The prices listed above come from market research and open information from UK insurance companies. Your real premiums can change based on your individual circumstances and the policies of your insurer.

Insurance companies might ask for a larger deposit from drivers with a CCJ if they want to pay for their car insurance monthly.

Best Ways to Lower Car Insurance Premiums with a CCJ

  • Compare many providers – A car insurance comparison service can help you find the cheapest price.
  • Choose to pay once a year – This helps you avoid extra charges from monthly payments.
  • Raise your voluntary excess – A higher excess might lead to lower premiums.
  • Get temporary car insurance – If you only need cover for a short time, this can save you money.
  • Work on your credit score – Reducing outstanding debts and paying on time can help your score.
Best Ways to Lower Car Insurance Premiums with a CCJ

Even if you have a CCJ, insurance companies look at your individual circumstances. That’s why it’s important to compare quotes from different providers.

Can You Get Car Insurance Without a Credit Check?

Some specialist insurers do not do hard search credit checks. Instead, they might do a soft search. A soft search does not affect your credit score.

Credit Check Type What It Means
Soft Search Does not affect your credit score and is used to give estimated quotes.
Hard Search A full credit check that can impact your credit rating.

If you have a bad credit score, it can be helpful to pick an insurer that does not do a hard search.

How to Improve Your Credit Score for Better Insurance Rates

If you have a CCJ, improving your credit score can help reduce your insurance costs in the long run.

  • Check your credit report often to find any mistakes and correct them if needed.
  • Make payments on time to show your reliability to insurers.
  • Reduce outstanding debts by paying off your credit cards and loans.
  • Register on the electoral roll to boost your credit profile.
  • Limit new credit applications because several hard checks can hurt your score.

A good payment history will help you get lower premiums in the future.

Get Quotes

Best Car Insurance Options for CCJ Holders

Insurance Type Best For
Telematics (Black Box) Insurance Drivers looking to prove safe driving habits.
Pay-As-You-Go Insurance Low-mileage drivers needing flexible cover.
Non-Standard Car Insurance Drivers with a CCJ needing specialist cover.
Temporary Car Insurance Short-term policies for flexibility.

A group of expert insurance providers can help find a policy that fits your individual circumstances.

Compare Car Insurance for CCJ Holders

Compare Car Insurance for CCJ Holders

  • Look for quotes from a group of FCA-regulated insurance providers.
  • Obtain policies that fit your financial situation.
  • Compare and save money on car insurance, even with a CCJ.

Start comparing today to find the best car insurance for you. Look for a car insurance policy that fits your needs.

FAQs About Car Insurance with a CCJ

Yes, standard insurance providers might ask for higher costs. Specialist providers give you easier options for policies.

Not always. Some insurance companies might raise their prices. However, if you compare quotes, you can find the best price.

Yes, but insurance companies might ask for a larger deposit or add interest to your monthly payments.

Some providers do a credit check, but others provide policies without a hard search.

Using a car insurance comparison service helps you look at different providers. This way, you can find the most competitive rates available.

Car Insurance Comparison

Convictions Car Insurance Comparison

Car Insurance Provider

Car Insurance Guides

Page last updated on: 09/05/2025

Page reviewed by: Shay Ramani

4000+ reviews