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Convictions Car Insurance Comparison

  • You can still find temporary insurance even if you have a driving conviction.
  • Check with special providers in the UK for short-term coverage options.
  • Enjoy peace of mind with flexible coverage for a short period of time.

What Is Temporary Car Insurance for Convicted Drivers?

Temporary car insurance gives you coverage for a short period of time, which can be from 1 hour to 28 days. This insurance is made for drivers who only need protection for a little while. It's a better choice for those who do not want to pay for an entire annual cover.

Drivers who have penalty points or a driving conviction might have trouble getting regular insurance. In such cases, temporary insurance can be a helpful option.

Feature Details
Length of Cover 1 hour to 28 days
Available For Drivers with convictions
Common Users Drivers with a temporary vehicle, banned drivers after reinstatement, borrowing a family member’s car
Types of Vehicles Cars, vans, learner driver vehicles

Fact: You can still get short-term car insurance, even if you have a driving ban. It all depends on how serious your conviction is and whether the insurance company will take you.

Who Can Get Temporary Cover After a Conviction?

Most insurance providers give temporary cover for drivers who meet these conditions:

  • You cannot have been disqualified in the last 5 years.
  • You need to have fewer than 6 active penalty points.
  • There should be no serious offences, like dangerous driving, in recent years.
  • A valid driving licence is required (in UK, GB, and Northern Ireland).

Common eligible drivers include:

  • Drivers that just returned after a driving ban.
  • People needing insurance for a borrowed vehicle.
  • Drivers moving homes or using a new car.

What Driving Offences Affect Temporary Insurance?

Insurers look at your driving offences and how serious they are when they make a car insurance quote. Some convictions can make it tough to get temporary cover.

  • Big problems like drink driving (DR10) and drug driving (DG10).
  • Careless driving offences (CD10–CD90).
  • Driving without insurance (IN10).
  • Theft and taking things without permission (UT50).
Conviction Type Impact on Temporary Cover
Speeding (SP30) Usually accepted
Careless driving (CD10) Higher premiums
Drink driving (DR10) Limited options
Driving uninsured (IN10) Limited options

How Much Does Temporary Car Insurance Cost for Convicted Drivers?

The cost of temporary car insurance depends on:

  • How serious your belief is and your driving record.
  • The vehicle you want to insure.
  • The time period of the policy.
  • Your age and where you live.
Temporary Car Insurance Cost for Convicted Drivers
Driver Type 1-Day Cover (£) 7-Day Cover (£) 28-Day Cover (£)
Standard Driver 20 – 35 80 – 140 180 – 300
Convicted Driver 30 – 70 120 – 210 250 – 450

Fact: Drivers with convictions may pay 50% to 100% more for short term cover than drivers who have a clean licence.

What Are the Benefits of Temporary Cover for Convicted Drivers?

  • Flexible options – You can pick how many days you need.
  • Comprehensive cover – A lot of plans offer full comprehensive car insurance, even if it's for a short time.
  • Specialist insurance – Some companies provide short-term car insurance for drivers with convictions.
  • No effect on main policy – A temporary policy will not affect your annual cover.

What Types of Temporary Insurance Are Available?

Convicted drivers can choose from different levels of cover that suit their needs:

Cover Type What It Covers
Third Party Only Damage to others only
Third Party, Fire and Theft Adds theft and fire protection
Comprehensive Cover Covers your car and third parties

Temporary van insurance is a good option for drivers who need to cover a commercial vehicle or rental van for just a few days.

Fact: Specialist insurance companies that follow the Rehabilitation of Offenders Act usually offer better terms when your conviction is no longer active.

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How Temporary Insurance Differs from Annual Cover for Convicted Drivers

Temporary car insurance is not the same as annual cover. This is particularly true for drivers who have past convictions.

Feature Temporary Insurance Annual Cover
Policy Length 1 hour to 28 days 12 months minimum
Payment Pay once upfront Monthly or annual payments
Flexibility High – choose short period Low – fixed contract
Conviction Checks Limited to last 5 years Full detailed checks
Premium Costs Higher per day but cheaper overall Lower per day but higher commitment

Key differences:

  • Temporary cover is great if you need insurance for a short period of time. This is useful when you borrow a car, take a test drive, or use a vehicle for a few days.
  • Annual cover usually needs stricter background checks. Drivers with past convictions may pay higher insurance premiums. They may also have longer exclusions and have to do more paperwork.
  • Temporary policies let you get insured quickly, often in just a few minutes. On the other hand, annual policies take more time to process.

What Happens if You Don't Declare a Conviction When Buying Temporary Insurance?

When you apply for temporary cover, you must give details about any driving convictions or penalty points. If you do not provide this information, it can lead to big problems.

What Happens if You Don't Declare a Conviction When Buying Temporary Insurance

If you fail to declare:

  • Policy cancellation – Your insurance policy can end and you may not get any money back.
  • Claim rejection – If you have an accident, the insurance company might not pay your claim.
  • Insurance fraud investigation – If you lie, it can be seen as fraud.
  • Higher risk for future policies – Other insurance companies may see you as a higher risk and might not give you coverage.
Failure to Declare Possible Consequence
No conviction declared Policy invalid
Accident occurs Claim denied
Found during audit Future policies more expensive

Can You Add a Convicted Driver to Someone Else’s Insurance Temporarily?

Yes, a convicted driver can sometimes be added to another person's temporary policy. However, it is important to remember some key rules.

  • Some insurance companies can let a convicted driver join as a named driver on a family member's or friend's car, but this is only for a short term.
  • The convicted driver has to follow specific rules. This often means they cannot have serious offences like dangerous driving or recent bans.
  • Adding a convicted driver usually raises the overall insurance cost due to the higher risk involved.

Important to check:

  • The insurer has rules for extra drivers with convictions.
  • The types of driving offences can include things like speeding or drink driving.
  • There may be extra costs added to the temporary car insurance policy.
Situation Allowed?
Minor conviction (e.g., speeding) Often allowed
Serious conviction (e.g., DR10) Often refused
More than 6 points Usually refused

If they can't add a convicted driver to their policy, they might need to get temporary insurance on their own.

Can You Use Temporary Car Insurance to Get a Vehicle Home After Buying It?

If you just got a car, especially from a private seller or an auction, you need to have car insurance before you drive it home.

Temporary insurance is perfect for this situation because:

  • It keeps you safe for a short period of time, like a few hours or a day.
  • It lets you drive safely and legally without needing an annual cover right away.
  • It is available for both private cars and temporary van insurance for larger vehicles.

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How Does the Severity of Your Conviction Affect Temporary Insurance Quotes?

The worse your driving record is, the more you may need to pay for temporary insurance.

Type of Conviction Impact on Temporary Insurance
Speeding (SP30) Small premium increase
Careless driving (CD10) Moderate premium increase
Drink driving (DR10) Major premium increase or refusal
Dangerous driving (DD40) Often refused by most providers

Insurance providers pay a lot of attention to your driving record. If you have problems like risky driving or theft reported, you may only receive quotes from specialist insurance companies. This could mean that your premiums might be two to three times more than the regular rates.

Tips to Get Cheaper Temporary Car Insurance With Convictions

  • Increase voluntary excess – Picking a higher excess can lower your insurance premiums.
  • Use black box insurance – Some short-term policies can monitor your safe driving.
  • Choose a modest car – A smaller, less powerful car usually has lower insurance costs.
  • Shop around – Look at several car insurance providers to get the best deal.
  • Avoid high-risk times – Insurance might be more expensive if you buy it on weekends or holidays.

FAQs About Temporary Car Insurance for Convicted Drivers

You can get temporary cover if your conviction is not very recent or very serious. Some specialist insurance providers offer flexible policies for drivers who have convictions.

You can often get coverage for a set period of time. This can be from as little as 1 hour to as much as 28 days. It’s a good choice for short-term needs, like when you borrow a car.

Yes, drivers who have penalty points or serious convictions often pay more for insurance premiums. The cost depends on your driving record and the type of conviction you hold.

You should always mention any driving offences when you apply. If you do not, your insurance policy could be cancelled when you need to make a claim.

It depends on how long the driving ban was. Some insurance companies will provide coverage if the driving ban ended over 5 years ago. They also need to see that there have not been any new serious offences since that time.

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Page last updated on: 12/06/2025

Page reviewed by: Shay Ramani

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