Convicted driver van insurance

Having a driving conviction can make it more difficult to find affordable van insurance. Find out how to get cover if you have 3 points for speeding, or something more serious on your driving record.

goco author
Updated 29 July 2021  | 3 min read

Key points

  • Convicted drivers are seen as more risky to insure
  • Premiums are almost certainly higher for drivers with a conviction
  • Drivers with lots of points or serious previous convictions will find it harder to find insurers that can accept them, but there are companies specialising in convicted drivers’ insurance

Driving convictions and van insurance

Convicted drivers are seen as higher risk for insurers. So with points on your licence or an unspent driving conviction,  it can be harder to find competitive and affordable van insurance quotes

But whatever the reason for your driving conviction, it’s still possible to get a fair deal on your van insurance, whether you’ve committed a single case of speeding, or if you’ve totted up enough points on your licence to have been temporarily disqualified.

After a certain amount of time, a driving conviction will become ‘spent’. You don’t need to tell your insurer about any spent convictions.

You can view your driving record and check what penalty points you have, as well as when they’ll be removed, at the website. You’ll need your driving licence number, National Insurance number and the postcode on your driving licence. Alternatively, you can contact the DVLA.

Do I need specialist van insurance if I’m a convicted driver?

Probably not – most insurers will cover van drivers with a few points – but you’ll probably find it’ll cost you more than when you had a clean licence.

Some companies won’t be able to quote for van drivers with a serious driving conviction or a lot of points, but there are plenty of specialist companies that will.

Although premiums will usually be more expensive, if you shop around you can still get a good deal on your van insurance.

One thing’s for sure, you need to get insurance, no matter what the cost. It’s illegal to drive your van without it.

Police can check whether your van’s insured by using vehicle recognition cameras.

If you get stopped by the police without insurance, you’ll get a further six-eight penalty points and be issued with a minimum £300 fine.

And if your case goes to court, you can receive an unlimited fine and perhaps even a driving ban, which would be a huge blow to you and your business if you drive your van as part of your job. The police can even seize and destroy it.

When you’re buying or renewing your motoring insurance, you must be honest with your insurer.

You need to disclose any and all endorsements on your driving licence if asked.

If you’re asked about convictions and fail to declare them, you could invalidate your policy and your insurers won’t pay out on any claims.

How much is van insurance for convicted drivers?

Statistics show that drivers with penalty points and driving convictions make more claims. This makes them more risky to insure, so providers charge convicted drivers higher premiums.

Each insurer calculates level of risk differently. But in general, the more serious a driving offence, the more it will push up the cost of your policy.

How can I find cheap van insurance for convicted drivers?

If you’ve got points on your licence, there’s still plenty you can do to keep costs down. 

Paying annually, rather than monthly, increasing your voluntary excess, leaving off optional extras you don’t need and building up your no-claims discount can all help reduce premiums. 

Shop around and try these tips too:

Take a driving course

If your offence was speeding, you may get the option to take a speed awareness course instead of accepting points.

You’ll pay to attend the course, but you don’t need to pay a speeding fine and penalty points won’t be added to your licence, so you could avoid any expensive insurance hikes.

Taking a Drink Drive Rehabilitation course can also demonstrate you intend to be a safer driver after a conviction.

And enrolling on an advanced van-driving course could get you a discount on your insurance premiums with some providers, too.

Choose a smaller, less powerful van

Every make and model of van is assigned to an insurance group. In general, the lower the group your van is in, then the less it costs to insure. So if you’re looking to buy a new van, consider whether a smaller, less powerful van will suit your needs.

Get Black Box van insurance

Black Box, or telematics insurance, monitors your driving through a device installed in your van. Driving well and responsibly could see you rewarded with lower premiums.

Improve security

Fit an approved alarm, a tracker or immobiliser, and keep your van somewhere secure overnight. If it’s practical to do so, empty your van of expensive tools and equipment every evening to avoid attracting the attention of thieves.

Join a trade association

Some specialist van insurance companies offer discounts to van drivers who are members of a relevant trade association. This isn’t always the case, but it’s worth looking in to.

Signwrite your van

If you drive your van for business, then having your company logo on your van can make it less of a target for thieves. As it’s so easily identifiable, it’s much more difficult to sell on. This can help bring insurance premiums down.

Check out more tips on how to reduce the cost of your van insurance.

How do driving convictions work?

If you commit a driving offence, your driving licence is ‘endorsed’ with penalty points. 

Endorsements stay on your driving record for four or 11 years.

The number of points you get will be between one and 11 and depends on the seriousness of your offense.

Speeding, for example, carries between three and six points, while driving without due care and attention can land you between three and nine points.

As well as the penalty points, you’ll be given a fixed penalty notice (fine) or a court summons.

If you go to court, some serious driving offences can get you disqualified from driving or you could receive a prison sentence. 

If you amass 12 penalty points on your record within three years you may be disqualified from driving.

New drivers can get a ban if they build up six or more penalty points within two years of passing their driving test.

Driving penalty codes

Here are some of the most common driving convictions, their penalty codes and how long they remain on your licence.

Driving offence code Driving offence Penalty points How long points remain on driving record
SP30 Exceeding statutory speed limit on a public road 3-6 Four years
SP50 Exceeding speed limit on a motorway 3-6 Four years
IN10 Using a vehicle uninsured against third party risks 6-8 Four years
CU80 Breach of requirements as to control of the vehicle, such as using a mobile phone 3-6 Four years
SP10 Exceeding goods vehicle speed limits 3-6 Four years
DR10 Driving or attempting to drive with alcohol level above limit 3-11 11 years