Convictions, points and bans

Temporary Car Insurance for Convicted Drivers

A full comprehensive policy for a driver with points or a conviction on their licence, from one hour to 28 days, on a borrowed car, a new purchase or a car of your own.

Comprehensive as standard
One hour to 28 days
Spent convictions stay private

In partnership with GoShorty

FCA-regulated cover

Every policy is arranged by an authorised UK insurance broker
1 hour to 28 days

One policy, any length in between, no annual contract
Certificate emailed to you

Your policy number and documents, minutes after paying
MID updated four times a day

So a roadside check shows the vehicle as insured

Can Convicted Drivers Get Temporary Car Insurance?

Yes. Points, a conviction or a ban that has ended do not rule you out. Declare every unspent code on the form and the quote prices the record. The more serious or recent the code, the fewer insurers quote, and the price shows it.

Whether your record carries a single SP30 for speeding, a CU80 for a phone at the wheel, an IN10 for driving uninsured or a DR10 for drink driving, the form asks the question and prices the answer where an insurer accepts the code. That applies to every code, not a short list of the mild ones.

What no quote can do is make the conviction disappear. The price reflects the record, and the two things that actually decide whether you drive covered are the same as for anyone else: answer every question exactly as asked, and wait for the certificate before you drive. For a driver who qualifies, this is temporary car insurance in its normal form, from one hour to 28 days, fully comprehensive, on a policy of its own.

The one exception is a learner. Learner cover here needs a provisional licence with no points on it, so a learner with an endorsement is outside it. Everything else on this page is about full-licence holders.

How Do You Get Quotes With a Conviction?

Enter the registration, declare every unspent conviction and endorsement exactly as the form asks, read the price, and buy only when you have checked the policy wording.

1
Enter the registration

Enter your number plate. It pulls up the make, model, value and insurance group, which is most of what the quote is priced on.
2
Declare your convictions

Declare every unspent conviction, endorsement, ban and pending prosecution: the code, the date and the points.
3
Review your quote

Choose your start time and how long you need. The price is for those dates with your record priced in.
4
Buy online

The certificate comes by email straight after, and you are covered from the start time you chose.

Which Conviction Codes Are Asked About?

All of them. The table shows the codes people most often ask about, what each one is, the points it carries and how long the DVLA keeps it on the driving record.

The points and record periods are GOV.UK’s own list of endorsement codes, which is the reference the DVLA works from. Every code on it is declared on the form and priced where an insurer accepts it.

The price is a different matter from the quote. An SP30 is the most common endorsement in the country and is priced lightly. An IN10 is a serious indicator, because it means driving uninsured. A DR10 or DR80 is priced heavily and stays on the record for 11 years. A TT99 means a disqualification was served, and the codes that added up to it are declared alongside it. Where an insurer accepts the code, that decides what the quote says.

Code	What it is	Points	On the record for
SP30	Exceeding the speed limit on a public road	3 to 6	4 years
SP50	Exceeding the speed limit on a motorway	3 to 6	4 years
CU80	Using a mobile phone, or similar loss of control of the vehicle	3 to 6	4 years
CD10	Driving without due care and attention	3 to 9	4 years
IN10	Using a vehicle uninsured against third party risks	6 to 8	4 years
MS90	Failing to give information about the driver	6	4 years
DD40	Dangerous driving	3 to 11	4 years
DR40	In charge of a vehicle while over the alcohol limit	10	4 years
DR10	Driving or attempting to drive over the alcohol limit	3 to 11	11 years
DR80	Driving or attempting to drive when unfit through drugs	3 to 11	11 years
TT99	Disqualification by totting up, 12 or more points in 3 years	None	4 years

Ready when you are

Get a price with your conviction declared.

Just the registration to begin. Fully comprehensive, one hour to 28 days.

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When Does a Conviction Become Spent?

A conviction is spent when its rehabilitation period under the Rehabilitation of Offenders Act 1974 has run out, and a spent conviction does not have to be declared on the form.

The length of the period depends on the sentence, not the offence. GOV.UK publishes the current rehabilitation periods, and these are the ones that matter for a driver.

Sentence	Spent
Driving endorsement with points	5 years from the date of conviction
Driving disqualification	When the period of disqualification has passed
Fine	12 months from the date of conviction
Conditional discharge	At the end date in the order, or 2 years if none was set
Absolute discharge	Immediately
Custodial sentence of 1 year or less	12 months after the sentence, including any licence period, is completed
Custodial sentence of 1 to 4 years	4 years after the sentence is completed
Custodial sentence over 4 years	7 years after the sentence is completed, except for the most serious offences, which are never spent

Two clocks, not one

The DVLA record period and the rehabilitation period are different things, and people mix them up. A DR10 stays on the driving record for 11 years, which is what a court or a future insurer can see. Under the Act it is spent 5 years after conviction. You declare it while it is unspent; after that you do not have to, even though it is still visible on the record for another six years.

Declare while unspent, and only then

The Act says a spent conviction need not be disclosed in answer to a question about convictions, and that it cannot be a proper ground for refusing cover. So the honest answer to the form is every conviction that is still unspent, and nothing that is not. If you are unsure whether a sentence is spent, check the GOV.UK table against your own dates before you answer, or take advice. Guessing in either direction is the mistake.

What Does the Cover Include?

A full comprehensive policy on the car you name, standalone, with the car owner’s no claims discount untouched.

Comprehensive as standard

Damage to the car you are driving, damage you cause to other people and their property, fire and theft, with business class 1 use included. The same cover as any other temporary policy; the conviction changes the price, not the policy.

A policy of its own

Its own certificate, schedule and policy number, running alongside any annual policy on the car rather than changing it. If you are borrowing the car, the owner’s annual insurer never sees your record, because you are not on their policy.

The owner’s no claims discount is safe

A claim on the temporary policy is handled under that policy. The owner’s no claims discount and renewal are untouched, which is the main reason people lend a car this way rather than adding a named driver.

How Much Does It Cost With a Conviction?

The published starting price for one day here was £21.87, based on the lowest sold between December 2025 and May 2026, and a driver with a conviction should expect the quote to sit above that floor.

Published starting prices are the lowest sold to anyone, not a typical figure, and a recent serious code is exactly what moves the price upwards. The things that set the figure are the ones below.

What sets your price

1 The code An SP30 is priced lightly; a DR10, DR80 or TT99 is priced heavily.
2 How recent A conviction from last year weighs more than one that is nearly spent.
3 How many Several codes together are priced differently from one.
4 The car Value and insurance group, as on any motor policy.
5 The length Longer policies cost more overall, and 28 days is the longest on one policy.

Starting prices on this page are GoShorty’s published from-prices, based on quotes from December 2025 to May 2026. A starting price is the lowest sold to anyone, not a typical price, and every quote is individual. Source: GoShorty’s published prices.

What Happens If You Do Not Declare a Conviction?

The policy can be voided, which means you were never insured, and driving on it is an IN10 offence with a fixed penalty, six points and the risk of the car being seized.

A quote issued on a wrong answer is a policy built on sand. If a claim is made and an undeclared unspent conviction comes to light, the policy can be treated as if it never existed. The other driver’s damage is then pursued against you personally, your own car is not covered, and you have been driving uninsured on a public road, which GOV.UK sets out the penalties for. A driver who already has one IN10 collecting a second this way is the worst outcome on this page.

Licence records are checked, and a claim is exactly when they are looked at hardest. The whole point of asking for every code is that you do not have to hide anything to get covered. Declare it, pay the price for your record, and drive on a certificate that will stand up.

Who Can Get Cover?

Drivers aged 17 to 75, with the minimum age depending on the insurer, holding a full UK licence, or an EU or EEA licence with 12 months of UK residence, with every unspent conviction and endorsement declared on the form.

The rest of the criteria are the standard ones for temporary car cover, and they are listed in full further down this page. The car must be worth between £500 and £65,000, with each insurer setting its own band inside that, have a valid MOT, not be SORN, and not be a hire car, import or left-hand drive. Anyone who has had a policy voided or cancelled before has to say so.

Two situations sit outside this page. A driver whose disqualification is still running has no licence to be covered on, and that changes only when the ban ends. And a car already held by the police needs impound release insurance, a 30-day third party product built for that single purpose. For a driver who passed recently and has points already, new driver insurance covers the licence-held question, and monthly car insurance explains the longest the temporary product runs while you sort out an annual policy that suits your record.

Before you start

Can you get it?

If you and the car fit these criteria, a quote is likely.

The driver

Aged 17 to 75, minimum age depending on the insurer
A full UK licence from the DVLA or DVA, or an EU or EEA licence with at least 12 months of UK residence
A permanent UK address
Never had insurance refused, cancelled or voided
Points and convictions declared on the form and priced within each insurer's limits

The car

Worth between £500 and £65,000, with each insurer setting its own band
A valid MOT, and not declared SORN, unless you are driving to a pre-booked MOT
Up to 3.5 tonnes and no more than seven seats
Not a hire or rental vehicle, and not held by the police
Not imported, left-hand drive or modified, apart from factory options or mobility adaptations

Criteria are set by each insurer on the broker’s panel and vary between them. Acceptance is always the insurer’s decision.

Questions

Temporary Car Insurance for Convicted Drivers: FAQs

Can I get temporary car insurance with a DR10 drink-driving conviction?

Yes, once the disqualification ended some time ago, and how long ago depends on the insurer. A DR10 is declared on the form like any other code. Expect the price to reflect it, because a DR10 stays on the driving record for 11 years and insurers treat it as a serious indicator of risk.

Can I get cover with an IN10 for driving without insurance?

Yes. An IN10 carries 6 to 8 points and stays on the record for 4 years, and it is declared like any other code and priced where an insurer accepts it. Declare it exactly as asked. A second IN10 from driving on a policy that was later voided for non-disclosure is the outcome every answer on this page is trying to help you avoid.

Do I have to declare penalty points?

Yes, every endorsement that is still unspent, which for points means five years from the date of conviction. The form asks, and the quote is priced on the answer within each insurer's limits.

Do I have to declare a spent conviction?

No. Under the Rehabilitation of Offenders Act 1974 a spent conviction does not have to be disclosed when an insurer asks about convictions, and it cannot be held against you. Check that it really is spent before you rely on that: an endorsement is spent five years after conviction, and custodial sentences run on much longer.

I was banned from driving. Can I get temporary insurance?

Not while the ban is running. Once it has ended, each insurer sets how long ago that must have been, from two years upwards, and the ban is declared as the code it came with, such as TT99 or DR10.

What if I have a prosecution pending?

Declare it. No insurer on the panel quotes while a prosecution is pending, so the answer comes once the case is decided. Leaving it out to get a quote through is the one thing you must not do, because the policy can be voided for it later.

Will a conviction make temporary cover much more expensive?

It depends on the code and how recent it is. A single SP30 for speeding is common and priced lightly. A DR10 or a totting-up ban is priced heavily. The broker's published starting prices are the lowest sold to anyone, so a driver with a conviction should treat them as a floor rather than an expectation.

How long does a conviction stay on my record, and is that the same as being spent?

No, they are two different clocks. The DVLA keeps most endorsements on the driving record for 4 years and drink or drug driving codes for 11. Under the Rehabilitation of Offenders Act an endorsement is spent 5 years after conviction. You declare it while it is unspent; the record period is what a future insurer or court can see.

Does it cost anything to get a quote?

No. Getting a quote is free and you are under no obligation to buy. We may be paid a fee by the broker if someone takes out a policy after being introduced by us. It does not change the price you are quoted.

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