
Convicted Driver Insurance
Affordable car insurance for drivers with convictions and points
- Specialist car insurance for drivers with motoring convictions
- Policies with leading UK insurance companies
- Great value cover and affordable payment options available
Are you struggling to find affordable car insurance? Convicted drivers can find it especially hard, and if you’re a young or learner driver with motoring convictions, penalty points or a disqualification, it’s even more difficult.
Complete Cover Group specialises in providing affordable cover for drivers with convictions and points on their licence – you’ll find us keen to help you get back on the road.
Here’s just a small selection of issues for which we can offer quotes:
- SP30 & SP50 Speeding Convictions
- CU80 Conviction for Using a Mobile Phone Whilst Driving
- IN10 Conviction for Driving without Insurance
- Drink Driving Convictions (DR10, DR30, DR40, DR50, DR60, DR70)
- TS10 Conviction for Failing to Comply with Traffic Light Signals
- TT99 Disqualification Under the ‘Totting-Up’ Procedure
- Drug Driving Convictions (DG10, DG40, DG60, DG80)
- Failing to provide a driver’s identification details (MS90)
- Driving without due care and attention (CD10)
Fair treatment – no judgement
Your previous convictions don’t necessarily paint a picture of your future driving habits and circumstances; everyone deserves a second chance, so we’ll treat you fairly and without judgement.
We work with a panel of well-known and reputable insurance providers, so you’ll be covered by a company you can trust. These specialist insurers will find the best cover for you and your vehicle, whatever your circumstances or driving history. And getting back on the road after a ban or other conviction is affordable with our flexible payment options.
Insurance to Cover Drivers with a Range of Motoring Convictions
We have insurance schemes to cover drivers with most commons motoring convictions, just take a look at our comprehensive list:
Accident offences
Code | Offence | Penalty points |
AC10 | Failing to stop and/or give particulars after an accident | 5 to 10 |
AC20 | Failing to give particulars or report an accident within 24 hours | 5 to 10 |
AC30 | Undefined accident offences | 4 to 9 |
Careless driving
Code | Offence | Penalty points |
CD10 | Driving without due care and attention | 3 to 9 |
CD20 | Driving without reasonable consideration for other road users | 3 to 9 |
CD30 | Driving without due care and attention or without reasonable consideration | 3 to 9 |
CD40 | Causing death — careless driving when unfit through drink | 3 to 11 |
CD50 | Causing death — careless driving when unfit through drugs | 3 to 11 |
CD60 | Causing death — careless driving with an alcohol level above the limit | 3 to 11 |
CD70 | Causing death — careless driving and failing to supply a specimen | 3 to 11 |
Construction and use offences
Code | Offence | Penalty points |
CU10 | Using a vehicle with defective brakes | 3 |
CU20 | Using a vehicle with parts or accessories in dangerous condition | 3 |
CU30 | Using a vehicle with defective tyres | 3 |
CU40 | Using a vehicle with defective steering | 3 |
CU50 | Causing or likely to cause danger by reason of load or passengers | 3 |
CU60 | Undefined failure to comply with construction and use regulations | 3 |
CU80 | Breach of requirements as to control of the vehicle, such as using a mobile phone | 3 to 6 |
Disqualified driver
Code | Offence | Penalty points |
BA10 | Driving while disqualified by order of the court | 6 |
BA20 | Driving while disqualified as under age | 6 |
BA30 | Attempting to drive while disqualified by order of the court | 6 |
Drink
Code | Offence | Penalty points |
DR10 | Driving or attempting to drive with alcohol above the limit | 3 to 11 |
DR20 | Driving or attempting to drive while unfit through drink | 3 to 11 |
DR30 | Driving or attempting to drive and refusing or failing to supply a specimen | 3 to 11 |
DR40 | In charge of vehicle with an alcohol level above the limit | 10 |
DR50 | In charge of vehicle while unfit through drink or drugs | 10 |
DR60 | Failure to provide a specimen for analysis other than driving | 10 |
DR70 | Failure to provide a specimen for a breath test | 4 |
DR80 | Driving or attempting to drive when unfit through drugs | 3 to 11 |
DR90 | In charge of a vehicle when unfit through drugs | 10 |
Drugs
Code | Offence | Penalty points |
DG10 | Driving or attempting to drive with drug level above the specified limit | 3 to 11 |
DG60 | Causing death by careless driving with drug level above the limit | 3 to 11 |
DR80 | Driving or attempting to drive when unfit through drugs | 3 to 11 |
Insurance offences
Code | Offence | Penalty points |
IN10 | Using a vehicle uninsured against third party risks | 6 to 8 |
Licence offences
Code | Offence | Penalty points |
LC10 | Driving without a licence | 3 to 6 |
LC20 | Driving otherwise than in accordance with a licence | 3 to 6 |
LC30 | Driving after making a false declaration about fitness | 3 to 6 |
LC40 | Driving a vehicle having failed to notify a disability | 3 to 6 |
LC50 | Driving after a licence has been revoked or refused on medical grounds | 3 to 6 |
Miscellaneous offences
Code | Offence | Penalty points |
MS10 | Leaving a vehicle in a dangerous position | 3 |
MS20 | Unlawful pillion riding | 3 |
MS30 | Play street offences | 2 |
MS50 | Motor racing on the highway | 3 to 11 |
MS60 | Offences not covered by other codes (including offences relating to breach of requirements as to control of vehicle) | 3 |
MS70 | Driving with uncorrected defective eyesight | 3 |
MS80 | Refusing to submit to an eyesight test | 3 |
MS90 | Failure to give information as to the identity of the driver etc. | 6 |
Motorway offences
Code | Offence | Penalty points |
MW10 | Contravention of special roads regulations | 3 |
Pedestrian crossings
Code | Offence | Penalty points |
PC10 | Undefined contravention of a pedestrian crossing regulation | 3 |
PC20 | Contravention of pedestrian crossing regulations — moving vehicles | 3 |
PC30 | Contravention of pedestrian crossing regulations — stationary vehicles | 3 |
Provisional
Code | Offence |
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 a provisional licence |
Reckless/dangerous driving
Code | Offence | Penalty points |
DD10 | Driving in a dangerous manner | 3 to 11 |
DD40 | Dangerous driving | 3 to 11 |
DD60 | Manslaughter or culpable homicide while driving a vehicle | 3 to 11 |
DD80 | Causing death by dangerous driving | 3 to 11 |
DD90 | Furious driving | 3 to 9 |
Speed limits
Code | Offence | Penalty points |
SP10 | Exceeding goods vehicle speed limits | 3 to 6 |
SP20 | Exceeding the speed limit for type of vehicle (excluding goods or passenger vehicles) | 3 to 6 |
SP30 | Exceeding the statutory speed limit on a public road | 3 to 6 |
SP40 | Exceeding the passenger vehicle speed limit | 3 to 6 |
SP50 | Exceeding the speed limit on a motorway | 3 to 6 |
SP60 | Undefined speed limit offence | 3 to 6 |
Theft or unauthorised taking
Code | Offence | Penalty points |
UT10 | Taking and driving away without consent or attempt thereof | 3 to 11 |
UT20 | Stealing or attempting to steal a vehicle | 3 to 11 |
UT30 | Going equipped for stealing or taking a vehicle | 3 to 11 |
UT40 | Taking, driving or being carried in a vehicle without consent | 3 to 11 |
UT50 | Aggravated taking of a vehicle | 3 to 11 |
Traffic direction and signs
Code | Offence | Penalty points |
TS10 | Failing to comply with traffic light signals | 3 |
TS20 | Failing to comply with double white lines | 3 |
TS30 | Failing to comply with a ‘stop’ sign | 3 |
TS40 | Failing to comply with the direction of a constable or warden | 3 |
TS50 | Failing to comply with a traffic sign | 3 |
TS60 | Failing to comply with a school crossing patrol sign | 3 |
TS70 | Undefined failure to comply with a traffic direction or sign | 3 |
Special code
Special code TT99 – Disqualification under the ‘totting-up’ procedure
Select Additional Products
To make sure that all of our customers experience the same level of claims service, regardless of the insurer they choose, we sell Motor Legal Cover with all car policies.
Motor Legal Cover provides up to £100,000 for legal expenses to help you recover any financial losses from a non-fault claim, such as lawyers’ fees, expenses relating to repair costs and recovering your excess. You’ll also get assistance arranging a courtesy car if you’re involved in an accident that wasn’t your fault.
Whether you use your car for work, the school run, family holidays or business trips abroad, we offer a range of breakdown policies to suit your budget and needs. Our breakdown cover also protects vehicles up to 20 years old!
Check the table below to see which level of cover is best for you:
Benefits | Roadside Assistance | Motor Assistance UK Only |
Motor Assistance UK & EU |
---|---|---|---|
Cost | £45.95 | £65.95 | £74.95 |
Roadside Assistance – 10 Mile Limit | |||
Misfuelling Cover | |||
Roadside Assistance & Nationwide recover Service | |||
Homecall | |||
Alternative Travel or Accommodation | |||
Message Relay | |||
Alternative Driver | |||
Accident Hospitalisation | |||
European Cover |
Call us on 0800 997 8232 to add this to your cover.
Excess Recovery will refund all or part of your excess in the event of a claim for an accident, a theft or fire, or an incident where there is no third party to claim from.
Adding just £36.95 to your policy, for example, would mean a reimbursement of £350 of your excess, which in many cases could mean you lose nothing at all! See below to choose the best option for you:
TPF&T or Comprehensive | |
---|---|
Excess Covered | Cost |
£350 | £36.95 |
£500 | £51.95 |
£750 | £67.95 |
£1000 | £82.95 |
£1500 | £108.95 |
Call us on 0800 997 8232 to add this to your cover.
With most comprehensive policies providing only a limited amount of personal accident cover, and third party, fire and theft policies rarely providing any at all, Personal Accident cover is a cost effective way to ensure that you and your passengers are provided for in the event of a death or serious injury.
Key benefits include:
- Payments of up to £25,000 EACH for the policy holder, named drivers and any passengers injured.
- Payments are made whether the claim is fault or non-fault.
- Cover is provided whilst travelling in, getting into and getting out of the insured vehicle, as well as injuries suffered as a result of assault or road rage.
- Payments will be made in addition to any other payout you receive from your motor insurance policy.
Only £29.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Make sure you’re not stuck if your car is off the road after an accident or theft.
Your insurance company may provide you with a courtesy car if an accident wasn’t your fault, but if you have a fault claim or an accident where there is no third party to claim from, you are unlikely to be provided with a replacement car.
With Replacement Car you’ll be provided with a car for up to 21 days or money towards transportation costs, regardless of whether the claim was your fault or not
Only £32.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Do you want windscreen protection without the cost of upgrading to comprehensive cover?
This stand-alone windscreen cover policy provides protection against the kind of damages that can make your car unsafe to drive or cause you to fail your MOT. The kind of loses you won’t be covered for if you’ve chosen to buy a third party only or a third party, fire and theft policy.
Windscreen Cover provides up to £500 worth of repair or replacement costs in a 12 month period.
Only £37.95 for the year. Call us on 0800 997 8232 to add this to your cover.
As a tradesman, you’ve no doubt invested heavily on a range of tools that you rely on to do your job. Having to repair or replace those tools could not only cost you in the short term, but leave you unable to work.
Tools in Transit cover offers protection for your tools if they are lost, destroyed or damaged whilst they’re being transported in your vehicle, temporarily housed in it, or being loaded onto or unloaded off it.
With levels of cover between £500 and £5,000, we have options to suit a range of tool collections:
Tools in Transit | |
---|---|
Level of Cover | Cost |
£500 | £32.95 |
£1000 | £42.95 |
£2,500 | £63.95 |
£5,000 | £83.95 |
Protect yourself against the costs that come with losing your keys.
Key Cover includes the costs incurred through the loss or theft of vehicle keys, including locksmith charges, new keys, car hire costs, and reprogramming immobilisers.
Only £17.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Complete Car Cover
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Specialist car policies for drivers with motoring convictions
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All levels of cover for all types of vehicles
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Partnerships with leading UK insurance companies
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Great value polices and affordable payment options available
4.31 Average
602 Reviews
Alice
The only problem I have is they never send the documents in the post so I now have no confirmation
Posted 10 months ago
John
I stumbled on the Complete Cover Group after a compare site linked me to the group. Since then, each year, a really helpful, friendly lady, Tammy Adams, has sorted my home insurance. There have been times when premiums quoted seem totally unacceptable but Tammy always finds a way to fix that, hence us now being loyal customers
Posted 11 months ago
Loretta
Can't thank the Advisor enough for his professionalism and courteous way in which he took my details for Insurance that met my needs. Leslie is a credit to your company and made the process so easy. The Documents arrived by email just as he indicated within minutes. Overall very happy with outcome and a Huge thank-you to Leslie lovely young man.
Posted 11 months ago
David
The young lady was very Helpful And Polite 100% Service Thank You
Posted 11 months ago
Andrea
Enzo was efficient, approachable and knowledgeable. He made the whole process of arranging and paying for car insurance run smoothly and I appreciated his time and advice.
Posted 1 year ago
Mian
Good price
Posted 1 year ago
Anonymous
Very good insurance and good customer service especially the guy who helped me out to choose the right insurance his name was samee 🌟 Good luck
Posted 1 year ago
Mohammad
Very good premium ..Love it
Posted 1 year ago
Vaidas
Very professional service. All questions answered. Competitive price.
Posted 1 year ago
Mohammed
Was very helpful in many kind of way and thank you
Posted 1 year ago
Daniel
Este foarte ok sper sa o tine ti asa multumesc
Posted 1 year ago
Sharyn
The help was great
Posted 1 year ago
Anonymous
Dealt with james was really helpful and understanding no messing about unlike some other previous companies getting passed pillar to post before you actually get through to the right department he had me a geat quote in 20 minutes no waiting about quick convenient and great price would highly recommend for people looking for a cheap and hassle free way to insure your car 👍🏻
Posted 1 year ago
Aylin
Best Customer service
Posted 1 year ago
Michelle
Very friendly and extremely helpful got the best and cheapest cover fir my car thank you for all your help
Posted 1 year ago