The Cheapest Convicted Learner Driver Insurance with Points?

Find affordable car insurance for drivers with convictions and points by answering below.

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How to get cheaper convicted driver insurance
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Janine Marsh
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Janine Marsh

Financial Expert

My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.

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Updated 24 August 2023
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Cheapest Convicted Learner Driver Insurance with Points

A friend of mine has a son that is learning to drive his own car. When she told me how much they are paying for his learner driver insurance, I was quite surprised at how reasonable the cost of the car insurance was. But of course, if the learner is also a convicted driver with penalty points on their licence, the cost of car insurance would be much higher. And in this post, I am going to cover how to find cheap car insurance for convicted drivers who are also young drivers or learners.

How to find the cheapest insurance with a conviction

If you’ve got a conviction or points, getting insurance through a standard provider could be more expensive. 

You might find cheaper deals through specialist insurers.

I’ve partnered with Quotezone who can help you find the best insurance specifically for convicted drivers with points.

Fill out the simple form below to find great quotes for convicted drivers today. 

Find the cheapest insurance for drivers with a conviction

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What are Driving Convictions?

In the UK, we group different motoring convictions into categories that are all related. Below, I have added a table that shows how motoring convictions are grouped by the first two characters of the conviction code.

Conviction Code Designator Conviction Group
AC Not following accident reporting protocols.
BA Offences that are all related to driving while disqualified.
CD Driving offences that fall under the classification of dangerous driving.
CU Offences related to passengers towed vehicles, or vehicle load causing danger to other road users.
DD Dangerous driving offences.
DG Drug-related offences, when in control of or driving a vehicle.
DR Drink and drug driving offences that are not covered by the DG conviction group.
IN When caught driving without minimum insurance coverage.
LC Motoring offences that all relate to driving without a valid or current driving licence.
MR A category that acts as a catch-all for a number of uncommon driving offences.
MS Offences that relate to racing, breaking speed limits, and driving while visually impaired.
MW Some offences relate to driving faster than the passenger vehicle speed limit and not obeying the statutory speed limit.
PC Offences related to not following pedestrian crossing regulations
SP Offences that are not included in the MS category, but relate to speeding.
TS Offences related to not following road sign instructions or road marking.s
TT Automatic disqualification category when exceeding a certain level of penalty points.
UT Aggravated taking of a vehicle.

The number of penalty points on your licence you receive if found guilty of committing a motoring offence, will depend on how badly you broke the law. You will get a minimum of 3 penalty points and a maximum of 11 penalty points.

How Long Do Driving Convictions Last?

Penalty points scale based on how badly you broke the law. For example, if you went over the speed limit by a couple of miles an hour in a 30mph zone, you would generally get a minimum of 3 penalty points. But if you caused death through careless driving, you would likely get the maximum number of 11 penalty points because careless driving leading to harm is more serious than a minor speeding fine.

But the duration that these penalty points remain unspent will always be either 4 years or 11 years. This makes dealing with convicted drivers under the law very flexible. You could be given just 3 penalty points for drug driving, but they will remain on your licence for 11 years. Similarly, you could be given 11 penalty points for causing death by dangerous driving, but they would be spent in just 4 years.

Do You Have To Tell Your Insurer About a Driving Conviction?

When you apply for a car insurance quote as a learner driver, you will be asked whether you have any unspent driving convictions. You have to answer this question truthfully. If you lie, you are committing insurance fraud, which can be a criminal offence and your car insurance would be invalid. In general, you don’t have to tell them about spent convictions.

Don’t get ripped off by insurance companies

Getting affordable car insurance with a conviction or points can feel impossible, especially if you’re using standard comparison websites. 

Luckily, there are some specialist insurers out there… you just need to know where to find them!

I’ve partnered with Quotezone to provide access to some of the best specialist convicted drivers’ insurance deals available.


In partnership with QuoteZone

How Does Learner Driver Insurance Work?

Learner driver insurance can be used to get short-term motor insurance to cover a driver with a provisional driving licence, so that they can use their own car for practice, or for lessons before they are ready to take their driving test. But they must be supervised by a qualified driver at all times.

Can Learner Drivers Get Penalty Points?

It is actually quite common for learner drivers, especially young drivers who are learners, to get penalty points before they have a full licence. Some of the common ways this can happen are:

  • Ignoring a school crossing patrol sign and not stopping.
  • Driving without a qualified and experienced driver supervising.
  • Failing to stop at red traffic light signals.
  • Be caught using a mobile phone while driving.
  • Not obeying the statutory speed limit.
  • Driving while under the influence of alcohol or drugs.

What Happens if a Learner Driver Is Caught Speeding?

Speeding is one of the most common of all driving offences that learn drivers, especially young drivers are convicted of. Speeding can be a very serious driving offence, depending on how fast you were travelling above the speed limit. 

If you are given a speeding ticket and a subsequent conviction, you can expect insurance providers to see you as a much higher risk.

Can You Get Learner Insurance if You Have Points?

Finding affordable car insurance as a learner driver with points on your licence, especially if you are a young driver, is going to be something of a challenge.

However, if you are willing to pay the money, you can get provisional insurance but expect insurance premiums to be high. You may have to go to one of the specialist insurers that offer coverage to high-risk drivers, or drivers with convictions. But expect the cost of this convicted driver insurance to be very high, especially as you need a learner insurance policy as well.

Can I Get Learner Driver Insurance if I Need To Retake My Test Because of a Conviction?

Yes, with the same caveats as in the previous section. If you just need to be insured to take your test, it would probably be cheaper to find an instructor with comprehensive car insurance, who is willing to take you for your test. This is the way learner driver insurance works if you use an instructor, and this can be a lot cheaper than taking out your own convicted driver insurance. 

How Do You Get Insurance With Convictions?

As I have already mentioned, you might not be eligible for an affordable insurance policy from a traditional insurer. You may need an insurance policy from one of the subprime insurers. There are many of these, and a quick Google will be able to find you plenty. 

How Do I Get Insured After a Ban?

Finding a standard car insurance policy after an offence such as a drunk driving ban, is going to be the most difficult challenge of all. You will be seen as a very high-risk driver with a provisional licence, and most traditional insurers probably won’t want to quote you at all You are almost definitely going to need to go to a subprime insurer.

Can a Disqualified Driver Supervise a Learner?

No, a person who is currently disqualified from driving cannot be the supervisor of a driver with a provisional licence who is in control of the vehicle, even if the accompanying driver is a family member. The driver would be committing an offence in this case.

Will Your Insurance Premium Go Up Because of a Driving Conviction?

You are going to be seen as a high risk to insurers if you have unspent convictions. This will inflate the cost of your insurance by at least 100%. Having a provisional licence and unspent convictions is just not favourable to insurance firms, and the increased cost of cover reflects this.

How Much Is Learner Driver Insurance?

Monthly insurance for people with a provisional licence, ranges from around £75 a month upwards. Depending on the level of coverage required, fully comprehensive or only covering third-party risks. Furthermore, once you switch from learner driver insurance after you pass your test, you can expect your insurance costs to stay inflated for the next 5 years.

Which Convictions Affect the Cost of My Insurance?

All convictions related to passenger vehicles are going to have an impact on the cost of your learner driver insurance. However, drivers with convictions such as drunk driving, dangerous driving, serious speeding, drug driving and driving without a valid licence, and driving a vehicle uninsured for use are amongst the more serious offences that will have the most effect on the cost of coverage.

What’s the Cheapest Way To Insure a Learner Driver?

The cheapest way to insure a driver who is a learner is usually to include them on a policy for the same car that another family member drives. This is a good way for disqualified drivers to lower the cost of insurance, although it will put the policy cost up for everyone else included in the policy.

Affordable Convicted Driver Insurance

To help you avoid some of the ludicrously expensive packages out there and actually find something reasonable I’ve partnered with Quotezone.

They bring together some of the best specialist deals for convicted drivers to make your search easier. 

Try it below.


In partnership with QuoteZone

What Is the Cheapest Car To Insure After a Ban?

Any small, low-performance car is a good idea if you want to find affordable cover, even if you have had a driving ban. The kinds of cars that every driving school uses. Instructors almost always use small cars to give professional lessons. Here is a list of some of the cheapest cars to insure without any no-claims discount.

  • Fiat Panda
  • Volkswagen Polo
  • MG3
  • Hyundai i10
  • Fiat 500
  • Volkswagen Up
  • Nissan Micra
  • Kia Picanto
  • Toyota Aygo X
  • Dacia Sandero
  • Kia Rio
  • Ford Fiesta
  • Skoda Fabia
  • Renault Clio

Can I Get Learner Insurance for a Day?

Many companies offer single-day motor insurance for drivers who are learners, either for driving their own car, or somebody else’s car, such as their parents. You can also get weekly or monthly new driver insurance.

Can I Get Learner Insurance for a Day

What if I Can’t Get Vehicle Insurance?

If you cannot get even a subprime insurer to provide you with vehicle cover as a young or learner driver with an unspent driving conviction, you really only have one alternative. You will have to wait for however many years it is until the conviction is considered spent.

The authors
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My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
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