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.
Prefer to talk to someone or need advice? We are here to help: 0345 017 9795
Advice for drivers with accidents or convictions
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.
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.
City Insurance Group is a trading style of City Broking Ltd (No 7184645) Registered in England and Wales. Registered Office:
88/89 High Street, Winchester. SO23 9AP England. Authorised and Regulated by the Financial Conduct Authority (No 520574)
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