Temporary Cover for Convicted Drivers
Compare Temporary Cover For Convicted Drivers
- Complete one short form
- Quickly compare quotes
- Find a great deal today
Compare insurance quotes from the UK’s leading temporary car insurance providers including:
Why Compare Convicted Driver Temp Insurance At SimplyQuote?
Temporary car insurance for convicted drivers lets you get legally insured without the long-term commitment — and SimplyQuote makes that process fast, private, and judgement-free.
If you’ve struggled to find short-term cover because of past convictions, this is your route to simple, no-pressure insurance that works on your terms.
We partner with GoShorty to connect you with a panel of insurers who understand that not every driver’s history is spotless — and who won’t automatically reject you based on past mistakes. Whether you’ve received a motoring conviction like a DR10, an IN10, or something less serious, there are insurers willing to offer you fair, flexible cover. And we make them easy to find.
There’s no calling around, no sitting on hold, and no hidden refusal screens mid-way through the quote form. You just enter your details once, and we return multiple options — all valid for convicted drivers — that you can compare, tweak, and buy online in minutes.
If you need to borrow a car, drive short-term while sorting a new job, or simply stay legal while you get back on your feet, this is insurance that doesn’t judge — it just gets you back on the road, safely and fast.
Why Do I Need To Get A Quote?
To get a quote for temporary car insurance as a convicted driver, you’ll need to share some basic personal and vehicle details — including any unspent convictions.
The process is straightforward, designed to work even if you’ve struggled to get quotes elsewhere.
You won’t need to phone anyone or explain your circumstances — everything is handled online. As long as your information is accurate and complete, SimplyQuote can return valid, legally compliant policies in minutes via our GoShorty integration.
Here’s what you’ll typically need:
- Your name, address, and date of birth
- Your UK driving licence number and how long you’ve held it
- Details of any unspent convictions (e.g. DR10, IN10, SP30) from the last five years
- The vehicle’s registration number or make and model
- Your desired start date and duration — from 1 hour up to 28 days
- The reason for driving — social, commuting, or other approved personal use
Once entered, our system filters out insurers that don’t cover convicted drivers — so the quotes you receive are real, relevant, and ready to buy.
Why Do I Need Temporary Insurance As A Convicted Driver?
If you’ve got a conviction on your record, temporary car insurance gives you a way to drive legally — without being tied into expensive or hard-to-find annual policies.
It’s ideal when you only need cover for a short time and want to avoid the barriers many convicted drivers face.
Whether you’re borrowing a car, test-driving a new vehicle, or just need to stay insured while exploring longer-term options, temporary cover gives you time, space, and legal protection. It doesn’t require a full commitment, and it doesn’t interfere with someone else’s policy or no-claims bonus.
Here’s when temporary insurance can be especially useful:
- You’re between annual policies and need short-term cover to stay road legal
- You’ve found it difficult to get insured post-conviction and need a quick solution
- You’re borrowing a car to attend a job interview, appointment, or family commitment
- You need to move a vehicle or test drive one before making a purchase
- You want to avoid affecting a friend or family member’s main insurance policy
Temporary cover also offers breathing room. It lets you get on with life without the pressure of finding the “perfect” annual policy straight away — and with SimplyQuote, the whole process is handled discreetly and efficiently.
Looking for convicted driver temporary car insurance? Get your quote today!
Get QuotesWhat Does Temporary Car Insurance For Convicted Drivers Include?
Despite being short-term, temporary car insurance for convicted drivers can offer comprehensive cover — including third-party liability, fire, theft, and accidental damage.
The level of protection is often equivalent to an annual policy, just without the long-term tie-in.
When arranged through SimplyQuote in partnership with GoShorty, the cover is tailored to drivers with unspent convictions. That means no hidden exclusions based on your record — if you’re eligible to quote, you’re eligible to claim under the terms of your policy. And because this is standalone insurance, it won’t impact anyone else’s no-claims discount or main policy.
Here’s what’s typically included:
- Third-party liability – Covers injury or damage to other people and their property
- Accidental damage – Repairs your vehicle after a collision, even if you’re at fault
- Fire and theft – Protects you if the car is stolen or damaged by fire
- Windscreen cover – Included in many comprehensive policies
- Legal cover – May help recover uninsured losses or cover legal fees
- Optional extras – Add-ons like breakdown cover or European travel, depending on the provider
The policy activates exactly when you choose — often within minutes — and ends when your selected term finishes. No auto-renewals. No direct debit traps. Just the cover you need, for the time you actually need it.
What’s Not Included?
Temporary car insurance for convicted drivers comes with clear exclusions — especially around commercial use, non-disclosure, and vehicle condition.
While the policy can offer solid protection, there are strict limits that apply to everyone, regardless of driving history.
These policies are built for private, short-term use — not for work, regular commuting, or insuring a vehicle you don’t legally have the right to drive. And because convictions are a sensitive area, any failure to disclose unspent offences could invalidate your policy entirely.
Common exclusions include:
- Commercial driving – No food delivery, courier work, or hire and reward unless specified
- Driving outside the insured period – You’re only covered between your selected start and end times
- Unroadworthy vehicles – The car must be taxed, MOT’d, and road-legal
- Driving other cars – Cover only applies to the vehicle named on the policy
- Provisional licences – Most temporary policies require a full UK licence
- Undeclared unspent convictions – Non-disclosure could void the policy and any potential claims
If you’re unsure what to declare, it’s always best to be upfront during the quote process. SimplyQuote filters out providers who won’t insure convicted drivers — so you’ll only see policies you’re eligible for.
How Much Does Temporary Car Insurance For Convicted Drivers Cost?
Temporary car insurance for convicted drivers typically costs between £20 and £60 per day, depending on the type of conviction, your age, vehicle, and postcode.
While it’s usually more expensive than standard temporary cover, it can still be far cheaper than committing to a full annual policy upfront.
Insurers treat certain convictions differently. A minor SP30 speeding offence might raise your quote slightly, while a more serious IN10 (driving without insurance) or DR10 (drink driving) could have a bigger impact. But with SimplyQuote, you’re comparing from a panel that already accepts convicted drivers — so you’re not wasting time on quotes that would reject you later.
Here’s what can affect the price:
| Factor | Effect on Cost |
|---|---|
| Type of conviction | More serious or recent offences typically increase the premium |
| Time since offence | Older, unspent convictions may carry less risk than recent ones |
| Age and experience | Younger, newly qualified drivers often face higher rates |
| Vehicle type | High-performance or modified cars increase risk and cost |
| Location | Postcode-related claim risk plays a part |
| Duration of cover | Hourly policies are cheaper upfront; multi-day policies may offer better value per day |
How Can I Save Money On Temporary Insurance With A Conviction?
You can reduce the cost of temporary insurance by choosing a lower-risk vehicle, raising your voluntary excess, and only insuring for the exact time you need.
Even with a conviction, small changes can make a noticeable difference to your quote.
Some things are out of your control — like the type of conviction or your postcode — but others are well within reach. If you’re borrowing a car, for example, choose the most insurance-friendly option available. Avoid modified or high-powered vehicles where possible, and check that the vehicle is roadworthy and appropriately taxed.
Here are some proven ways to lower your premium:
- Opt for a car in a lower insurance group – this has a major impact, even for short-term cover
- Only add cover for the time you’re actually driving – don’t round up just in case
- Raise your voluntary excess – if you’re confident you won’t claim, this can reduce your upfront cost
- Avoid extras you don’t need – legal cover, breakdown, or European driving can be deselected
- Use SimplyQuote to compare multiple providers – not all insurers view convictions the same way
What matters is accuracy and strategy. By tailoring your policy to your actual needs — and avoiding unnecessary risks — you can stay legal and protected without overpaying.
How To Compare Temporary Car Insurance At SimplyQuote.co.uk?
Comparing temporary insurance quotes as a convicted driver is fast and confidential at simplyquote.co.uk — no phone calls, no explanations, no judgement.
You’ll get real quotes from insurers who actually accept your circumstances, with cover that can begin instantly.
Here’s how the process works:
- Enter your personal details and driving history
Include your UK address, full licence information, and disclose any unspent convictions. The system handles the rest privately and securely. - Add the vehicle information
Input the reg number or make/model of the car you want to insure. You don’t have to be the owner — it’s perfect for borrowing someone else’s vehicle. - Choose your cover start time and length
From 1 hour to 28 days — it’s flexible to your needs. Whether you’re insuring a test drive or bridging a gap in cover, there’s no long-term tie-in. - Review your quotes
You’ll only see policies from providers that accept convicted drivers — so there’s no wasted time or eligibility surprises at checkout. - Select and buy online
Once you find the right fit, pay securely and get your documents by email. You’re ready to drive legally, often within minutes.
There’s no judgment built into the platform — just insurance that works for you now, without the awkward conversations or long-form paperwork.
Frequently Asked Questions
Yes, some insurers accept DR10 drink driving convictions, though the quote may be higher. The offence must be disclosed if it’s unspent.
Only unspent convictions you declare will be used for underwriting. The conviction code typically isn’t printed on the certificate.
Yes. Your policy will be added to the MID, but it may take up to 48 hours. Always carry proof of insurance during that window.
Not directly. Temporary cover doesn’t earn no-claims bonus, but it does allow you to drive legally and responsibly while seeking long-term solutions.
No. Under the Rehabilitation of Offenders Act, spent convictions do not have to be declared unless asked specifically and legally permitted.
Yes. Temporary cover works well if you’re borrowing a vehicle — just ensure you declare any unspent convictions when quoting.
That doesn’t automatically disqualify you. SimplyQuote works with insurers who specialise in cover for higher-risk drivers, including those refused elsewhere.
No. The entire process is handled online — from quote to policy documents. You won’t need to speak to an agent unless you want to.
Related Insurance
Written by Chris Richards
Page last reviewed on 22nd of May 2025 by Chris Richards