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Why choose MyFirst for convicted driver insurance?

Cheaper car insurance, even if you have been declined insurance elsewhere

We save you time and energy by searching the market for you

Reduce your premiums with Dash Cam insurance

Specialist advisors with expert knowledge of convicted driver insurance

Increase car security and reduce your insurance costs at the same time.

Being accepted for car insurance after a conviction can be difficult. However, getting insurance is essential, especially if you rely on driving for your work. For those who need to drive for their livelihood can risk losing their job and their home. In return, this can put an immense pressure on families and loved ones.

At MyFirst, we want to help to relieve the stress. We will work hard to scour the market to find the best deals and the cheapest car insurance for convicted drivers. We know that every case is different and will spend time getting to know your individual circumstances and understand your conviction. We can help find tailored insurance such as specialist drink-driving insurance or speeding convictions insurance. Grab yourself a saving by checking out this article from New Driver Programme!

Convicted driver insurance offers the same level of protection as regular car insurance. However, it will take into account your previous convictions. Usually, convicted drivers are seen as a high risk to insurers, and high premiums typically reflect that risk. However, at MyFirst, we take into account your specific circumstances and your conviction to help find the best and most affordable insurance policy.

The dash cam helps to give you an added level of protection, giving you evidence in the case of any incidents and accidents. Dash cams can also help to keep the roads safer as well as giving you greater peace of mind when you’re out and about on the roads.

In some cases, insurers will refuse even to offer convicted drivers insurance; this can mean the search for insurance can be stressful and time-consuming. At MyFirst, we will search the market on your behalf and come up with the best deals and policies based on your requirements. Our specialist advisors have excellent connections with the best insurers who offer policies for convicted drivers. Our experienced team members can help to secure the right level of insurance at the best price.

Which Type Of Insurance Is Best For Convicted Drivers?

There are three different types of insurance available for convicted drivers; Third Party, Third Party, Fire and Theft and Fully Comprehensive. At MyFirst, we offer all three options for convicted drivers.

Many convicted drivers, opt for Third Party Only insurance as this is generally seen as the cheapest option. However, insurers know that convicted drivers will usually choose Third Party Only insurance as it is cheaper and therefore insurers believe this insurance bracket is riskier. Subsequently, insurers often make Third Party Only insurance more expensive.

Comprehensive insurance is usually chosen by safer drivers and therefore can often be a cheaper option, despite giving drivers a higher level of protection.

It is worthwhile asking the advisor to find a range of policies for Third Party and Fully Comprehensive to work out which is cheaper. You may discover that you get more for your money with Fully Comprehensive convicted driver insurance.

Remember, insurance is a legal requirement and to ensure you do not receive another conviction; you will need to make sure you have adequate insurance in place.

Top Tips On Lowering Convicted Driver Insurance Premiums

1. Increase the excess

One of the best ways to lower your insurance premiums is to increase the amount of excess you will pay in the event of a claim. Of course, this amount needs to be affordable for you. Do not raise your excess too high otherwise you may not be able to afford to make a claim.

2. Use a dash cam

Dash cam insurance can help to lower your premiums by providing valuable evidence in the event of an incident or accident.

3. Park safely

Keeping your car secure in a safe place such as a driveway or garage can help lower your premium

4. Reduce your mileage

Doing less miles will usually mean you are less likely to be in an accident. If possible, lower your mileage and you may save money on your premiums. However, don’t lie about your mileage, if you do make a claim and your mileage is over the limit, this could invalidate your insurance.

5. Don’t reoffend

Reoffending will increase your premiums. It may make you unable to get insurance until you are no longer a convicted driver. If you reoffend, your current policy may be cancelled. Reoffenders are also more likely to face tougher sentencing.

6. Driver Rehabilitation Courses

Driver rehabilitation course are designed to help convicted drivers become safer drivers. These courses teach the laws of the road and consequences of not abiding by them. Upon completion of the course, some insurers will lower their premiums.

What convictions can we insure?

Convictions for driving without insurance

Un-spent non-motoring convictions

Penalty points for speeding

Previous bans or disqualification from driving

Drink-driving ban

Drug-driving ban

Convictions for dangerous driving

Convictions for failing to stop after an incident

Traffic light offences

MyFirst can help to find insurance for drivers with a range of convictions. Find out if we can help you to find the right insurance for your conviction by seeing the list of convictions below and getting in touch.

AC10 Failing to stop and/or give particulars after an accident
AC20 Failing to give particulars or report the accident within 24 hrs
AC30 Undefined accident offences
BA10 Driving while disqualification by order of the court
BA20 Driving while disqualified as underage
BA30 Attempting to drive while disqualified by order of the court
CD10 Driving without due care and attention
CD20 Driving without reasonable consideration for another road user
CD30 Driving without due care and attention or without reasonable consideration
CD40 Causing death – careless driving when unfit through drink
CD50 Causing death – careless driving when unfit through drugs
CD60 Causing death – careless driving with alcohol level above limit
CD70 Causing death – careless driving – failing to supply a specimen
CU10 Using a vehicle with defective brakes
CU20 Using a vehicle with parts or accessories in a dangerous condition
CU30 Using a vehicle with defective tyres
CU40 Using a vehicle with defective steering
CU50 Causing or likely to danger because of load or passengers
CU60 Undefined failure to comply with Construction and Use Regulations
DD10 Driving in a dangerous manner
DD20 Driving at a dangerous speed
DD30 Reckless driving
DD40 Dangerous driving
DD50 Causing death by dangerous driving
DD60 Manslaughter or culpable homicide while driving a vehicle
DD70 Causing death by reckless driving
DD80 Causing death by dangerous driving
DR10 Driving or attempting to drive with alcohol above the limit
DR20 Driving or attempting to drive while unfit through drink/drugs
DR30 Driving or attempting to drive/refusing or failing to supply a specimen
DR40 In charge of a vehicle while alcohol level above limit
DR50 In charge of a vehicle while unfit through drink or drugs
DR60 Failure to provide a specimen for analysis other than driving
DR70 Failure to provide a specimen for breath test
DR80 Failure or attempting to drive when unfit through drugs
DR90 In charge of a vehicle when unfit through drugs
IN10 Using a vehicle uninsured against third party risks
LC10 Driving without a licence
LC20 Driving while underage. Driving other than in accordance
LC30 Driving after making a false declaration about fitness
LC40 Driving a vehicle having failed to notify a disability
LC50 Driving after a licence has been revoked or refused medical
MS10 Leaving a vehicle in a dangerous position
MS20 Unlawful pillion riding
MS30 Play street offences
MS40 Driving with uncorrected defective eyesight or refusing the test
MS50 Motor racing on the highway
MS60 Offences not covered by other codes
MS70 Driving with uncorrected defective eyesight
MS80 Refusing to submit to an eyesight test
MS90 Failure to give information as to the identity of driver etc.
NE99 Non-endorsable criminal Act
MW10 Contravention of Special Roads Regulations
PC10 Undefined Contravention of a Pedestrian Crossing Regulation
PC20 Contravention of Pedestrian Crossing Regulations – moving vehicles
PC30 Contravention of Pedestrian Crossing Regulations – stationary vehicles
PL10 Driving without ‘L’ plates
PL20 Not accompanied by a qualified person
PL30 Carrying a person not qualified
PL40 Drawing an unauthorised trailer
PL50 Undefined failure to comply with conditions of Provisional
S 19 Disqualification (“totting-up” procedure)
S 35 Disqualification (“totting-up” procedure)
SP10 Exceeding goods vehicle speed limits
SP20 Exceeding speed limit for the type of vehicle
SP30 Exceeding statutory speed limit on a public road
SP40 Exceeding passenger vehicle speed limit
SP50 Exceeding speed limit on a motorway
SP60 Undefined speed limit offence
TS10 Failing to comply with traffic light signals
TS20 Failing to comply with double white lines
TS30 Failing to comply with a ‘Stop’ sign
TS40 Failing to comply with the direction of a constable or warden
TS50 Failing to comply with traffic sign
TS60 Failing to comply with a school crossing patrol sign
TS70 Undefined failure to comply with a traffic direction or sign
TT99 To signify a disqualification under “totting-up” procedure
UT10 Taking and driving away without consent or attempt thereat
UT20 Stealing or attempting to steal a vehicle
UT30 Going equipped for stealing or taking a vehicle
UT40 Taking/driving/be carried in a vehicle without consent
UT50 Aggravated taking of a vehicle
XX99 To signify a disqualification under “totting-up” procedure.

It’s not just illegal drugs that can result in a motoring conviction, even drugs from your GP or ones that are bought over the counter can affect your driving ability. Always, make sure you check with your doctor that you can drive within the limits.

Prescription drugs with limits


Illicit drugs with limits

Cannabis and cannabinol
MDMA – ecstasy
Heroin and diamorphine

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