Specialised car insurance cover for drivers with motoring convictions.
Finding affordable car insurance can be difficult after a driving conviction. Many insurers consider convicted drivers as higher risk, which can lead to higher premiums or even refusal of coverage. We specialise in convicted driver insurance, offering tailored policies to help you get back on the road—because your past shouldn't determine your future.
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Expertise in Convicted Driver's Insurance: We specialise in finding affordable insurance for drivers with a wide range of motoring convictions.
Competitive Rates: We offer affordable premiums to your experience without compromising coverage. Therefore, you get the best value for your money.
Non-Judgmental Approach: We understand that mistakes happen. Our focus is on helping you move forward and not dwell on the past, ensuring you feel understood and respected.
Flexible Payment Options: We offer a variety of payment plans, including instalment payments, to fit your budget and schedule.
Drink-driving convictions are given when a driver is caught driving under the influence of alcohol. This kind of conviction can make it challenging to find insurance once you are back on the road.
Common codes include:
DR10: Driving or attempting to drive with an alcohol level above the legal limit.
DR20: Driving or attempting to drive while unfit through drink.
The "Totting Up" process occurs when a driver accumulates 12 or more penalty points on their license within three years. This can result from multiple minor offences, such as speeding or using a mobile phone while driving.
A TT99 conviction can lead to a driving ban, making it harder to find affordable insurance.
An IN10 conviction is issued when a driver is caught driving without valid insurance. This is a severe offence and can result in significant fines and penalties.
Read MoreDriving while disqualified convictions are given when a driver is caught driving while being banned.
Common codes include:
DD10: Driving while disqualified by order of court.
DD20: Driving while disqualified under age.
Careless or dangerous driving convictions are issued for driving without due care and attention or driving recklessly.
Common codes include:
CD10: Driving without due care and attention.
CD20: Driving without reasonable consideration for other road users.
Speeding convictions are issued when a driver exceeds the speed limit. It is one of the most common driving convictions in the UK.
Common codes include:
SP30: Exceeding the statutory speed limit on a public road.
SP50: Exceeding the speed limit on a motorway.
Every situation is unique, and we are here to tailor our services to your specific needs, ensuring you feel reassured that we understand your situation.
Because our insurance is highly specialised and specifically tailored to drivers in challenging circumstances, sometimes our best quote is only available over the phone.
Call today or complete the Get a Quote form, and one of our friendly agents will contact you.
Please fill the form below and we will get in touch with you to as soon as possible.
Got You Covered offers a wide range of optional covers to add to your policy. For more information, please check our policy documents.
This Motor Legal Expenses insurance policy provides cover to the policyholder, any other person entitled to drive/ride the named car and any other person who is a passenger in or on the car for legal costs, adverse costs and disbursements incurred in bringing a legal action against a third party for an insured event involving the car noted on the policy schedule.
This covers the excess you are responsible for after settling any loss, destruction, or damage to your car. This applies under your car insurance policy. It includes claims resulting from accidental damage, fire, theft, or vandalism.
This insurance policy covers a hire car when your car is undrivable or under repair. Coverage applies if you are at fault for a single road traffic collision or if fire, malicious actions, theft, or attempted theft damage your car.
This car breakdown insurance provides roadside assistance and recovery services in the United Kingdom and continental Europe.
If an insured person is injured in an accident within the UK and EU, we will provide payment for an accident resulting in loss of life, suffer loss of sight, loss of hearing or speech or loss of limbs, permanent total disablement, fractured bones and third-degree burns, overnight stay in a hospital during the period of insurance, emergency dental expenses, damage to personal effects and stress counselling.
This policy provides insurance coverage for lost and stolen keys, keys broken in a lock, and locksmith costs to enter your home, car, or property (as defined in the policy terms and conditions) if you lock your keys inside.
If you lock your keys inside, this policy provides insurance coverage for locksmith costs to enter your home, car, or property. It also covers lost or stolen keys and keys broken in a lock.
This policy covers accidental damage to alloy wheels, minor body scratches, and dents. It includes repairs for paint chips, dents, and scratches within specified limits. Appointed representatives carry out repairs to restore your car's appearance.
Our specialised car insurance policies cover a lot, but some things aren't covered. Please check our policy documents to see a complete list.
We don't cover normal wear and tear or mechanical problems, our policies are for unexpected issues.
Damage caused on purpose is not covered. We protect against accidents, not deliberate actions.
We don't cover accidents or damage from driving under the influence of alcohol or drugs.
Our standard car insurance policies don't cover vehicles used for business use unless this is included in your policy.
Comprehensive car insurance is the highest level of car insurance coverage available. It protects the policyholder and third parties in the event of an accident or other incidents involving the insured car.
Third-Party Fire and Theft car insurance in the UK covers third-party liabilities (damage and injury to others), plus protection against fire damage and theft of the policyholder's vehicle, but not accidental damage to their car.
Third-party only car insurance in the UK covers damage to others' property and injury to others caused by the policyholder. It does not cover damage to the policyholder's car, theft, or fire damage.
Fill out our quote form or give us a call to start the process, being careful to provide accurate information.
Our experts will discuss your needs and find the best coverage. Paying attention to key exclusions and benefits.
Return any documents we require in the post or via email. Our team are always happy to assist with this.
Receive your customised quote and get peace of mind.
We understand the complexities of car insurance and how daunting it can be, especially if you require a specialised policy. While our online quote form is a great starting point, speaking with one of our expert car insurance brokers can make all the difference in finding the perfect policy for you. Here's why:
Personalised Expertise: Our insurance brokers have extensive experience handling unique insurance requirements. By discussing your requirements over the phone, they can tailor a policy that fits your needs perfectly - something an online quote form might miss.
Making things clear: Insurance policies can contain jargon and complex terms. Speaking with our team gives you the opportunity to ask questions and ensures you understand all aspects of your coverage, including any exclusions or conditions that might apply.
Immediate Assistance: Our insurance brokers are just a phone call away if you need immediate help. A call ensures you get real-time support and guidance, making the process smoother and faster.
Flexible Payment Options: We offer a variety of payment plans, including instalment payments, to fit your budget and schedule.
Entering the incorrect information could be as simple as forgetting to include a minor accident, misrepresenting the car's usage, or not including unlisted modifications or accessories.
Talking to one of our staff lowers the risk of incorrect information on your policy. This ensures your policy will provide you with cover should you need to make a claim.
You can still obtain car insurance even with multiple convictions. We specialise in finding insurance solutions for drivers with various motoring convictions. We work with a panel of insurers who understand your unique situation and offer tailored cover.
Motoring convictions generally lead to higher premiums because insurers view convicted drivers as higher risk. The type and number of convictions can impact how much your premium increases. However, Got You Covered works to find you the most competitive rates by partnering with insurers who are experienced in dealing with convicted drivers.
If your conviction is considered "spent" under the Rehabilitation of Offenders Act, you may no longer needs to be disclosed when applying for insurance. However, it's important to be aware of the rules surrounding spent convictions, as failing to disclose relevant information can void your policy. Our team can help guide you through this process to ensure your application is accurate.
Got You Covered specialises in high-risk driver insurance, including those with motoring convictions. If other companies have refused you coverage, we leverage our panel of insurers willing to offer policies to convicted drivers. Our expertise ensures you can still get the insurance you need at a competitive rate.
We cover a wide range of motoring convictions, including but not limited to:
Speeding (SP30, SP50)
Drink driving (DR10, DR20)
Driving without insurance (IN10)
Driving while disqualified (DD10, DD20)
Careless or dangerous driving (CD10, CD20)
Totting Up (accumulating 12 or more points on your license, TT99)
Our goal is to ensure that you have access to affordable insurance cover no matter your driving conviction.
