What to Do If You've Had a Previous Motoring Conviction

What to Do If You've Had a Previous Motoring Conviction — A Guide to Getting Insured

Having a motoring conviction on your record can make finding car insurance feel like an uphill battle. Whether you've been caught speeding, driving under the influence, or driving without insurance, the worry is the same — will anyone insure me? And will it cost a fortune?

The good news is that help is available. At Got You Covered, we specialise in finding fair and affordable car insurance for drivers with previous motoring convictions. Here's what you need to know.

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What Is a Motoring Conviction?

A motoring conviction is a legal penalty you receive forbreaking the rules of the road. Some convictions are for minor mistakes, while others are for more serious offences. Either way, they can affect your ability to get insurance.

Some common examples include:

• Speeding offences (SP10-50)
• Drink driving (often recorded as DR10-70 on your licence)
• Driving without insurance (IN10)
• Accumulating too many penalty points (TT99)

These codes remain on your driving record for several years, which insurers will consider when you get a quote for cover.

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How Motoring Convictions Affect Car Insurance

When you apply for car insurance, insurers look at your driving history. A motoring conviction, especially for offences like Drink Driving (DR10-70) or driving uninsured (IN10), marks you as a higher risk. As a result, premiums are likely to be more expensive, and some insurers may refuse to offer cover altogether.

But this doesn't mean you're out of options. Specialist brokers like Got You Covered work with insurers who are used to helping drivers with convictions and understand that people deserve a second chance.

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Steps to Take After a Conviction

Be Honest with Insurers

Always declare your convictions when asked. Hiding the truth could make your policy invalid and leave you uninsured — even after paying your premium.

Shop Around for Specialist Insurance

Not all insurers treat convictions the same way. Some won't quote at all, but specialist brokers like us can match you with insurers who provide affordable quotes for convicted driver insurance.

Work on Improving Your Driving Record

While you can't change the past, you can take steps to show you're a safer driver in the future. Avoid further offences, drive carefully, and obey the rules of the road. A clean record over time will make it easier to get better insurance quotes in the future.

Take an Approved Driving Course

If you've been convicted of a driving offence — especially Drink Driving (DR10-70) — completing a specialist drink driving rehabilitation course can help lower your risk profile in the eyes of insurers.

Many insurers see these courses as a positive step because they show you're serious about safe driving and changing your habits. At Got You Covered, we work with many recognised course providers across the UK. Completing a course may help reduce your premium, giving you valuable knowledge to help avoid future convictions.

Build Back Your No Claims Bonus

If you stay claim-free, many insurers will reward you with lower prices in future years, even if you have a conviction like TT99 or IN10 on your record.

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How Got You Covered Can Help

At Got You Covered, we help drivers who've had a rough patch get back on the road with the right insurance. Whether your conviction is for Drink Driving (DR10-70), Driving Without Insurance(IN10), or too many points (TT99), we work with a panel of UK insurers who understand your situation.

We'll search the market to find you the best deal possible —without judgment. Our team makes the process simple and stress-free so you can focus on getting back behind the wheel.

Having a conviction on your licence doesn't mean you have to give up driving or pay sky-high premiums. Specialist brokers like Got You Covered help drivers every day, no matter their record.

If you've had a motoring conviction — from Drink Driving(DR10-70) to IN10 or TT99 — get in touch today. Our friendly team will guide you through your options and offer a free, no-obligation car insurance quote.

👉 Call us or get a quote online today — let us help you get back on the road.