Why a Standard Broker May Not Be Enough
When you have a driving conviction, your insurance needs become more complex. Regular brokers often assume a clean driving history and may not explain how a conviction affects cover, or they may not present the specialist options available. A broker who understands convicted-driver cover sees things differently; your past doesn’t need to define your future driving record.
Look for Experience With Convictions, Not Just Quotes
The right broker will have specific experience helping drivers with motoring convictions, whether speeding, driving without insurance or something more serious. They treat each case on its merits and know which insurers will consider your situation rather than simply rejecting you out of hand. That experience lets them present you with realistic cover options rather than a one-size-fits-all quote.
Check They Understand Your Exact Situation
Because convictions vary hugely (type of offence, number of points, years since the offence), you’ll want a broker who asks the right questions: what the offence code was, when it happened, how you’ve driven since. A broker who treats this as routine will get you better options than one who glosses over it.
Transparency, Fees and Underwriters
A good broker will clearly explain how they make money (commission, fees) and which underwriters or insurers they access. If you’re dealing with specialist cover, ask which insurers are used, how many quotes are being compared and whether any policy exclusions apply because of your conviction. If you sense they’re rushing or hiding details, walk away.
Service Matters; Especially When Things Go Wrong
Insurance isn’t just about price. For someone with a conviction the claim-handling, customer service and renewal support matter more than ever. Choose a broker who has a track record of supporting convicted drivers, not just selling them cover. That means someone who updates you when the renewal rolls around, explains what changes in your driving history mean, and helps you rebuild your standing.
Practical Steps Before You Commit
Before signing any policy, check that your broker has disclosed everything relevant: your conviction, appeals, any non-motoring offences if relevant. Ask for the policy document early, check what the premium includes and what happens at renewal. Understand what you can do to improve your position (e.g., staying claim-free, changing car, telematics) and ensure your broker explains that too.
Moving Forward With Confidence
Having a conviction does make the path to insurance more complicated; but it doesn’t have to be impossible. With the right broker, you can find cover that’s fair, realistic and tailored to your situation. Focus on rebuilding your driving record and using a broker who will explain rather than judge. It’s about doing things properly; and getting back on the road with genuine cover.