Accidents and Convictions Car Insurance

At City Insurance we provide competitive insurance for drivers recently involved in accidents or with motoring or criminal convictions.

We realise not all drivers have a perfect driving record and that you may have convictions on your licence or an adverse claims history. That's why we have teamed up with our Insurer Partners and developed a different view from the mainstream "No Quote" to provide quality cover and low cost premiums. So whatever your driving history, or conviction record, we will provide you with the very best rate available.

Cover we provide cover for includes; drink driving, drug driving, driving without insurance, speeding bans, plus much more. Whatever your driving history, we are confident of finding you a competitive quote.

Monthly premiums available (Subject to status)

Getting a quote is quick and simple!

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Prefer to talk to someone or need advice? We are here to help:
0345 017 9795

Do I need to disclose accidents or convictions to my insurer?

Yes, quite simply your insurance will be completely invalid if you don’t.

Do I need to declare Driving Convictions of Named Drivers?

Yes, if you have friends or family added as named drivers on your policy then you must declare their convictions too.

What impact will an accident or conviction have on my quote?

If you have points or convictions on your licence then you will be deemed to be at a higher risk of involvements in accidents. Generally a higher risk will mean a more expensive policy, however we aim to buck this trend by offering the same low cost cover for all of our customers.

How long do penalty points stay on my licence?

According to the DVLA most points on your licence are considered ‘live’ for a 3 year period. However, the points actually stay on your licence for 4 years before being automatically removed. In these cases, the date the points are counted from will usually be from the date the offence was committed.

Penalty points for more serious offences such as drink driving will unsurprisingly stay on your driving license longer and are usually considered ‘live’ for a 10 year period. In these particular cases this 10 year period begins from the conviction date rather than the date of the driving offence.

If you incur 12 penalty points or more on your licence then you will have your licence cancelled.

The DVLA will automatically remove the points after the set period, so there is no need to ask for this to be done.

Do I need to reapply for my licence?

You will be necessary to reapply for your licence if your licence has been revoked, or if you have been disqualified from driving.

When can I reapply for my licence?

When you are approaching the end of your driving ban, it will be necessary to reapply for your licence through the DVLA. If you are not sure when your ban ends, please follow this link to check your driving record online.

At what stage can I rearrange my insurance?

As soon as you are back in possession of your licence we can rearrange your insurance

How to reduce my Car Insurance Premium?

There are steps you can take to reduce the cost of your premium:

Add an Immobiliser or Tracker – Some insurers refuse to insure high performance cars unless they have the necessary security features. It could also act as a good deterrent against car theft.

Reduce Mileage – Simply by driving fewer miles you are lowering the risk potential for your insurer.

Increase Voluntary Excess – The higher excess you agree to pay, the lower your premium should become. On the other hand you will need to be prepared to pay more money in the event of a claim.

Take an advanced driving course – This will show you are committed to being a safe driver and can lower your premium.

Convictions we can provide cover for include:

AC10:Failing to stop and/or give particulars after an accident AC20:Failing to give particulars or report accident within 24 hrs AC30:Undefined accident offences BA10:Driving while disqualification by order of the court BA20:Driving while disqualified as under age BA30:Attempting to drive while disqualified by order of the court CD10:Driving without due care and attention CD20:Driving without reasonable consideration for other 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 specimen CU10:Using a vehicle with defective brakes CU20:Using a vehicle with parts or accessories in dangerous condition CU30:Using a vehicle with defective tyres CU40:Using a vehicle with defective steering CU50:Causing or likely to danger by reason 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 DG10:Driving or attempting to drive a vehicle whilst under the influence of drugs. DG40:Driving or attempting to drive a mechanically propelled vehicle whilst under the influence of drugs. DG60:Found guilty of causing death by careless driving whilst under the influence of drugs. DR10:Driving or attempting to drive with alcohol above limit DR20:Driving or attempting to drive while unfit through drink/drugs DR30:Driving or attempting to drive/refusing or failing to supply specimen DR40:In charge of vehicle while alcohol level above limit DR50:In charge of vehicle while unfit through drink or drugs DR60:Failure to provide specimen for analysis other than driving DR70:Failure to provide 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 under age. 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 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 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 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 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 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
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* Subject to Insurer, comprehensive cover & availability