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.
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)
Drink Driver Car Insurance
Speeding Ban Car Insurance
Convicted of Driving without Insurance
Drug Driver Insurance
Convicted Driver Van Insurance
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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.
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:
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* Subject to Insurer, comprehensive cover & availability
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We have been providing low cost quality insurance solutions since the 1980's. Our head office is based in the City of Winchester. As we insure thousands of clients we are able to use bulk-buying power with many insurer partners to keep premiums as low as possible.
At City Insurance we have a great range of insurance offerings from Car & Van insurance, home and travel cover as well as business insurance, liability and commercial insurance too.
;We recognise most people are very busy and that you may not always have the time to search around for the cheapest policy. At City Insurance we are confident we can save you both time and money. For this reason we can offer you the simplicity of, 'quote & buy online' in most cases backed up by a friendly knowledgeable team. We will take you your insurance requirements and instantly compare a panel of leading insurers and then provide our best premium and cover options to suit your needs. If you're happy, you may buy cover immediately or you can speak with our Client Service centre for further advice or assistance.
Some insurance circumstances can be involved or complex and need careful attention from staff that are competent and trained and not just script readers. We believe in a personal service supplied by knowledgeable helpful staff, we do not have foreign call centres and real people answer our telephones, not computers!
At CityInsurance.co.uk, we are committed to making insurance accessible, affordable, and straightforward for everyone. We pride ourselves on offering tailored insurance solutions whether you're looking for standard coverage or something more specific. From young drivers and first-time homeowners to small businesses and experienced professionals, we have a solution that suits your needs.
We believe that good service means more than just offering low premiums — it means taking the time to listen, understand your individual needs, and deliver clear, honest advice. Our experienced staff work hard to ensure that every policy is matched with the right customer and that every customer feels supported before, during, and after purchase. We regularly review our processes and training to maintain the high standard of care that has become our hallmark.