{"id":127744,"date":"2017-08-11T10:41:07","date_gmt":"2017-08-11T17:41:07","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=127744"},"modified":"2026-05-11T05:41:39","modified_gmt":"2026-05-11T04:41:39","slug":"high-risk-car-insurance","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/high-risk-car-insurance","title":{"rendered":"High-risk car insurance"},"content":{"rendered":"<p>Caught using your mobile phone behind the wheel? Picked up points on your licence as a result? That\u2019s just one of the things that could mean insurers see you as a high-risk driver. And if you\u2019re considered high risk, it can have a major impact on your car insurance premiums. We explain what could put you in a high-risk car insurance category and how to keep costs to a minimum.<\/p><h3>What is high-risk car insurance?<\/h3><p>High-risk car insurance caters for drivers that insurers think are more likely to make a claim, due to certain risk factors. Your age, your driving history and even where you live could mean an insurer sees you as a high-risk driver. Your risk factor might be compounded by the type of car you\u2019re driving, too. When a car insurer sets your premiums, these are largely based on the level and type of risk the insurer thinks you represent.<\/p><h3>What makes someone a high-risk driver?<\/h3><p>You may be considered a high-risk driver if:<\/p><ul><li>You\u2019ve been involved in a car accident<\/li><li>You have a history of making insurance claims<\/li><li>You\u2019ve had your licence revoked due to serious driving offences<\/li><li>You have outstanding criminal or motoring convictions, including those that result in points on your licence<\/li><li>You only recently passed your driving test<\/li><li>You are a young driver (aged under 25, for example)<\/li><li>You live in a location with a high level of accidents or car crime<\/li><li>You work in an <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/job-titles\">occupation that\u2019s considered high risk<\/a><\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/1 no-padding-bottom\"><h3 class=\"has-padding-bottom-x-small\">How do I know if I am considered high risk?<\/h3><\/div><div class=\"u-grid__col u-1\/6@s\"><p><img decoding=\"async\" class=\"luna-avatar luna-avatar--large\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\" alt=\"Danny Butler\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/p><div class=\"has-padding-top-small text-x-small\"><em>Finder insurance expert <a href=\"https:\/\/www.finder.com\/uk\/author\/dannybutler\">Danny Butler<\/a> answers <\/em><\/div><\/div><div class=\"u-grid__col u-10\/12@s no-padding-bottom\"><p>Unhelpfully, insurers don\u2019t typically offer a button to click that will tell you whether you\u2019re low, medium or high risk in their eyes. However, if you\u2019re struggling to find an insurer that will offer you cover, or if the quotes you\u2019re getting are sky-high, there\u2019s a good chance you\u2019re regarded as a high-risk driver.<\/p><p>There\u2019s no magic formula for working out what factors are making you higher risk, and different insurers will measure risk differently. But if you fit one or more of the criteria outlined in the checklist above, it could well be the reason.<\/p><\/div><\/div><\/div><\/article><h3>Is it harder to get insurance as a high-risk driver?<\/h3><p>Unfortunately, yes, it can be harder to find cover from mainstream providers as a high-risk driver.<\/p><p>Generally, insurers determine their own driver categories. One provider might have 3 set tiers \u2013 for low, medium and high risk \u2013 while another might take a more nuanced approach.<\/p><p>Either way, car insurers are under no obligation to offer cover to all drivers, and some may decline to quote if they consider you a high risk. Insurers that are willing to offer cover are likely to charge more than they would for lower-risk drivers.<\/p><p>If you struggle to find cover from mainstream providers, it could be worth trying more niche insurers that specialise in high-risk car insurance.<\/p><h3>Does high-risk insurance offer the same cover as other policies?<\/h3><p>Typically, yes. Once you\u2019ve found a provider that\u2019s willing to insure you, you should be covered in the same way as any other driver, depending on the level of cover you opt for. There are 3 main levels.<\/p><ul><li><strong>Third-party<\/strong>. This is the minimum level required to legally drive on UK roads. It covers you against the cost of injury to other people or damage to their cars or property. <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/third-party-car-insurance\">Third-party insurance<\/a> offers no protection for your own car.<\/li><li><strong>Third-party, fire and theft.<\/strong> Offers the same third-party protection as above, plus cover if your <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/third-party-fire-theft\">car is damaged by fire or stolen<\/a>.<\/li><li><strong>Comprehensive cover.<\/strong> All of the above, plus <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/comprehensive-car-insurance\">comprehensive insurance<\/a> offers cover for your car if it\u2019s damaged in an accident.<\/li><\/ul><h3>Common convictions that might make a driver high risk<\/h3><p>Of all the factors that can make you higher risk, a poor driving history is probably the most obvious. Been caught speeding or driving dangerously? Insurers will assume that this increases the risk of you driving too fast or unsafely again in the future, and load your premiums accordingly.<\/p><p>Here are some <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/convicted-drivers\">common driving convictions<\/a> that can bump up your premiums substantially. They\u2019ll also land you with points on your licence and\/or a fine.<\/p><table class=\"luna-table js-tablesorter\"><thead class=\"luna-table__header\"><tr><th>Offence<\/th><th>Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Speeding \u2013 \u201cminor offence\u201d<\/th><td>Provided you are not dramatically exceeding the speed limit, it is likely to be regarded as a \u201cminor offence\u201d. This will result in a Fixed Penalty Notice comprising \u00a3100 fine and 3 points on your licence. If it\u2019s your first offence, you may be offered the option to pay to attend a speed awareness course, in which case the points will be eradicated. You won\u2019t need to declare it to your insurer, so it won\u2019t affect your premiums.<\/td><\/tr><tr><th>Speeding \u2013 \u201cmajor offence\u201d<\/th><td>If you\u2019re caught doing more than 45% over the speed limit, the case may be passed to the magistrate\u2019s court and you could face a bigger fine \u2013 up to a maximum of \u00a31,000, or \u00a32,500 if you were driving on a motorway. You\u2019ll also receive more points on your licence (typically 6 points), or may even be banned from driving \u2013 typically for 7 to 56 days.<\/td><\/tr><tr><th>Using your mobile phone while driving<\/th><td>You should not use a handheld mobile phone while driving \u2013 including to send texts. This applies even if you\u2019re sitting in stationary traffic. You could end up with 6 points on your licence and a \u00a3200 fine.<\/td><\/tr><tr><th>Failing to stop after an accident<\/th><td>This is regarded as a serious offence, with a maximum penalty of \u00a35,000 or even 6 months\u2019 imprisonment \u2013 though the latter is only in the most serious cases. You\u2019ll also get 5-10 points on your licence, or may be disqualified from driving.<\/td><\/tr><tr><th>Driving without insurance<\/th><td>It is illegal to drive a car on UK roads without at least third-party insurance. If you are caught driving uninsured, the police could give you a fixed penalty of \u00a3300 and 6 penalty points.<\/td><\/tr><tr><th>Driving under the influence of alcohol or drugs<\/th><td>Driving or attempting to drive while under the influence of drink or drugs \u2013 including if your alcohol level is above the permitted limit \u2013 is one of the most serious driving offences. You\u2019ll receive up to 11 points on your licence and could face an unlimited fine, a driving ban of a year or more, and imprisonment.<\/td><\/tr><\/tbody><\/table><h3>Do I have to let my insurer know if I have points on my licence?<\/h3><p>Yes. Most, if not all policies stipulate that you must tell your insurer about anything that raises your risk level unless you can reasonably expect the provider to know about it already. You should declare it to your existing insurer as soon as the offence takes place, and to all subsequent insurers when you get a quote.<\/p><ul><li>Even if you think your insurer does know about it already, it\u2019s worth confirming and checking that your cover is still valid.<\/li><li>If your insurer doesn\u2019t know about it, not telling them may be used to deny a claim later on.<\/li><\/ul><p>Avoid unnecessary headaches by alerting your insurance provider to any changes in your driving record.<\/p><h3>Can my age make me higher risk?<\/h3><p>Yes. Data from the <a href=\"https:\/\/www.abi.org.uk\/products-and-issues\/choosing-the-right-insurance\/motor-insurance\/age-and-motor-insurance\/\" target=\"_blank\" rel=\"noopener\">Association of British Insurers<\/a> (ABI) shows that certain age groups are much more likely to make a car insurance claim than others. This means people that fall into these age groups are seen as higher risk by default.<\/p><p>The biggest and most frequent claims are made by drivers aged 20 and under, who therefore face the highest premiums. Those aged 86 plus are also likely to be seen as higher risk due to significantly higher-than-average claim frequency and size.<\/p><h3>Can my postcode make me higher risk?<\/h3><p>When setting premiums, an insurer will look at your location\u2019s level of crime, how quiet or busy the roads are and how many claims have been made for that area. If you live in a city with busy roads and a relatively high accident rate, or an area where car crime is rife, you\u2019ll likely be seen as higher risk than someone who lives in a safer, rural area.<\/p><h3>Can my job make me higher risk?<\/h3><p>It might not be the first thing that springs to mind when you wonder what\u2019s driving up your insurance premiums, but people in <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/job-titles\">certain professions incur higher premiums<\/a> than others, all else being equal. Sometimes this is down to when you\u2019re likely to be driving. For example, doctors, nurses and other shift workers might be driving to and from work at unsociable hours (and potentially driving tired).<\/p><h3>Could my car put me in a high-risk car insurance category?<\/h3><p>Potentially, yes. Even if your personal risk factors are low, your choice of car could put you into a high-risk category. So be prepared for high car insurance premiums if you drive any of the following:<\/p><ul><li><strong>A high-performance car.<\/strong> <a href=\"https:\/\/www.finder.com\/uk\/high-performance-car-insurance\">High-performance models<\/a> will be seen as less safe, regardless of who\u2019s behind the wheel. And, to be fair, most people won\u2019t buy fast cars with powerful engines if all they plan to do is potter sedately to the local supermarket.<\/li><li><strong>An unusual car.<\/strong> For example, <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/imported-car-insurance\">imported cars<\/a> may be more likely to incur higher premiums. Often this is because they will be seen as harder and more expensive to repair.<\/li><li><strong>A modified car.<\/strong> If, for example, you\u2019ve altered the suspension or souped up the spoilers, these <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/modified-car-insurance\">modifications<\/a> could mean insurers see your car as higher risk.<\/li><\/ul><h3>Is high-risk car insurance more expensive?<\/h3><p>You wouldn\u2019t usually associate anything \u201chigh risk\u201d with moderation, and the same is true of the cost of high-risk car insurance. As you\u2019ve probably worked out by now, car insurance for high-risk drivers (or cars) is pricier than equivalent cover for low-risk drivers.<\/p><p>How much more expensive depends on exactly what\u2019s pushing up your risk. As an example, let\u2019s take one of the least avoidable risk factors: age. According to the ABI\u2019s latest figures, 18-20 year olds pay average premiums of around \u00a31,000. Drivers aged between 36 and 80 pay less than \u00a3500, on average. If you\u2019re a young driver, check our dedicated <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\">young driver insurance guide<\/a> for advice on how to keep costs down.<\/p><p>If more than one risk factor applies to you, the price is likely to go up exponentially. If you\u2019re a 19-year-old, London-based driver with 3 points on your licence, be prepared for a shock when you get quotes.<\/p><h3>How can I reduce my risk level?<\/h3><p>Step one to reducing your risk level is to understand the <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/how-car-insurance-is-calculated\">factors affecting car insurance premiums<\/a>. This can help you easily pick out ways to reduce your costs that apply to your particular risks.<\/p><p>A few tactics that could help reduce your risk level in a few cases include:<\/p><ul><li><strong>Take an advanced driving course:<\/strong> <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/pass-plus-scheme\">Pass Plus<\/a>, for example. Even if you don\u2019t think you need it, officially learning safe driving techniques with an approved instructor could make you eligible for premium reductions. This might help in particular if you\u2019re an inexperienced driver, or want to prove you\u2019ve learned your lessons after being convicted of dangerous driving.<\/li><li><strong>Drive a car that\u2019s cheaper to insure (if possible).<\/strong> You can find typical car <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-breakdown-by-brand\">insurance rates by a car\u2019s make and model<\/a> online. Rates for smaller cars tend to be less expensive than high-performance or flashy cars. Features such as safety devices and anti-theft systems could earn you extra discounts.<\/li><li><strong>Secure your car.<\/strong> Many insurers will think favourably if your car has an up-to-date, high-quality alarm, or if you store your car in a secure garage at night.<\/li><li><strong>Drive carefully and safely (from now on).<\/strong> If you have points on your licence, in most cases you\u2019ll need to wait for 4 years for them to be \u201cspent\u201d. For very serious offences, such as drink-driving, it\u2019s 11 years. But if you commit a second offence before the first set has expired, a judge can take this into account and could penalise you more harshly than simply adding your new offence to your record for 4 or 11 years. Safe driving also reduces the risk of you making a claim, helping you build up your <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/no-claims-bonus\">no-claims bonus<\/a>.<\/li><\/ul><h3 id=\"risk_premiums\">What else can I do to reduce the cost of high-risk car insurance?<\/h3><p>If you\u2019re lumped into a high-risk car insurance category, there\u2019s no one way to guarantee cover at a low cost. It\u2019s worth comparing a range of providers. If necessary, speak directly to a provider that specialises in high-risk drivers.<\/p><p>Here are a few major steps you can take to reduce your premiums.<\/p><ul><li><strong>Keep an eye out for discounts.<\/strong> Some providers offer discounts just for renewing online, for example.<\/li><li><b>Drop optional extras you may not need.<\/b> If you could live without a courtesy car while yours is in for repair, check if it would be cheaper to go for a provider that doesn\u2019t offer one.<\/li><li><strong>Choose a higher excess. <\/strong>Your excess majorly affects your premiums. A higher excess can result in wiggle room for more important claims.<\/li><li><strong>Consider telematics insurance.<\/strong> This tracks how well you drive using a small \u201c<a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/black-box-car-insurance\">black box<\/a>\u201d that\u2019s installed in your car. If it proves you\u2019re driving safely, your insurer is likely to reduce your premiums.<\/li><li><b>Look into <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/pay-as-you-go-car-insurance\">pay-as-you-go insurance<\/a>.<\/b> If you don\u2019t drive every day \u2013 or even every week \u2013 see if you qualify for use-based insurance.<\/li><li><b>Pay your premiums up-front.<\/b> It often costs less overall to pay your premiums up-front each year rather than monthly.<\/li><li><b>Look for a multi-policy discount.<\/b> If you <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/multi-car-insurance\">bundle multiple cars<\/a> or insurance, including <a href=\"https:\/\/www.finder.com\/uk\/home-insurance\">home insurance<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/life-insurance\">life insurance<\/a> or other coverage, with one provider, you\u2019re often eligible for a multi-policy discount.<\/li><\/ul><h3>Bottom line<\/h3><p>There may be any number of reasons why an insurer puts you in a high risk category with an equally high car insurance premium. But don\u2019t fret just yet. If you\u2019re careful, there are steps you can take to lower your costs.<\/p><p>Don\u2019t default into <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/the-dangers-of-auto-renewing-your-car-insurance\">auto-renewing<\/a> with the same insurer from fear that nobody else will cover you. It\u2019s always a good idea to shop around, even if it\u2019s specialist cover. Once you have found some policies that match your needs, compare them to find the best.<\/p><style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n        text-align: left;\n    }\n\n    .survey-response .luna-table {\n        border: none;\n    }\n\n    .survey-response .row-color-icon {\n        width: 10px;\n        height: 10px;\n        display: inline-block;\n        margin-right: 4px;\n        border-radius: 2px;\n    }\n\n    .survey-response .source-container {\n        top: -12px !important;\n        position: relative;\n    }\n\n    .survey-response .source {\n        color: rgb(108, 120, 129);\n        font-size: 11px;\n    }\n\n    .survey-response .source-link {\n        color: rgb(2, 113, 225);\n        font-size: 11px;\n        text-decoration: underline;\n    }\n\n    @media (min-width: 600px) {\n        .survey-response .border-fix {\n            border-radius: 12px;\n            border: 1px solid var(--light-divider-normal, #E5E7EB);\n            background: var(--light-background-main, #FFF);\n            padding: 0px\n        }\n    }\n\n    .survey-response .chart-container {\n        min-height: 250px;\n        border-radius: 12px;\n        border: 1px solid var(--light-divider-normal, #E5E7EB);\n        background: var(--light-background-main, #FFF);\n        padding: 15px;\n    }\n\n    .google-visualization-tooltip {\n        pointer-events: none;\n    }\n\n    @media screen and (min-width: 960px) {\n        .survey-response.u-grid {\n            margin-left: auto;\n            display: flex;\n            justify-content: space-between;\n            margin-right: auto;\n        }\n\n        .u-grid__col.chart-container {\n            margin-left: 0 !important;\n            margin-right: 0 !important;\n        }\n    }\n\n    .survey-response .table-container {\n        overflow-x: auto;\n        max-width: 800px;\n        display: block;\n    }\n\n    @media screen and (max-width: 959px) {\n        .survey-response .table-container {\n            display: block;\n        }\n\n        .source-container {\n            margin-left: 2rem;\n            margin-right: 2rem;\n        }\n    }\n\n<\/style><h4>Finder survey: What level of price hike would stop you auto-renewing your car insurance?<\/h4><div id=\"scale-surveys-10011-4173\" class=\"survey-response u-grid u-grid--gutterLarge\"><div id=\"view---noslice-\" class=\"u-grid__col u-1\/1 aligncenter size-full chart-container\"><\/div><style>\n\t\t\t#scale-surveys-10011-4173 text,\n\t\t\t#scale-surveys-10011-4173 svg text,\n\t\t\t#view---noslice- text,\n\t\t\t#view---noslice- svg text {\n\t\t\t\tfont-family: 'Modern Era', sans-serif !important;\n\t\t\t}\n\t\t<\/style><script type=\"text\/javascript\">\n\t\t\t\t(function() {\n\n\t\t\t\t\tvar packageToLoad = 'corechart';\n\t\t\t\t\tvar eventName = 'GoogleChartsLoaded-' + packageToLoad;\n\t\t\t\t\tvar event = new Event(eventName);\n\n\t\t\t\t\tdocument.addEventListener(eventName, function() {\n\t\t\t\t\tconsole.log('called event!', eventName);\n\n\t\t\t\t\tfunction drawChart() {\n\t\t\t\t\t\tvar chartType = 'pie';\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tvar data = google.visualization.arrayToDataTable([\n\t\t\t\t\t\t\t['Response', ''],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['&pound;50-99', 23.94],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['&pound;25-49', 22.65],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['&pound;100-&pound;199', 19.69],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['Not sure', 13.51],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['&pound;1-&pound;24', 12.61],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['N\/A there is no price hike that would stop me letting my car insurance auto-renew', 6.44],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['&pound;200 or more, please specify', 1.16],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t]);\n\t\t\t\t\t\t\n\t\t\t\t\t\tvar options = {\n\t\t\t\t\t\t\tlegend: {\n\t\t\t\t\t\t\t\tposition: 'none'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tcolors: ['#1D53FF', '#00B2FF', '#FFD23B', '#C3F53C', '#B469FF', '#FF73A9', '#1DD751', '#DB2420', '#E5F7FF', '#FFF9E5', '#EEF5DC', '#F2E5FF', '#FFE5EF']\n\t\t\t\t\t\t};\n\n\t\t\t\t\t\tvar chart;\n\t\t\t\t\t\t\t\t\t\t\t\tchart = new google.visualization.PieChart(document.getElementById('view---noslice-'));\n\t\t\t\t\t\t\/\/ Pie chart specific options can go here\n\t\t\t\t\t\toptions.chartArea = {width:'100%',height:'100%'};\n\t\t\t\t\t\t\n\t\t\t\t\t\tchart.draw(data, (chartType == 'pie') ? options : google.charts.Bar.convertOptions(options));\n\t\t\t\t\t}\n\t\t\t\t\t\tdrawChart();\n\t\t\t\t\t});\n\n\t\t\t\t\tfunction init() {\n\t\t\t\t\t\tconsole.log('calling init', eventName);\n\t\t\t\t\t\tif (typeof google !== 'undefined' && google.charts) {\n\t\t\t\t\t\t\tconsole.log('found charts', google, packageToLoad);\n\t\t\t\t\t\t\tgoogle.charts.load('current', {'packages':[packageToLoad]});\n\t\t\t\t\t\t\tgoogle.charts.setOnLoadCallback(function() {\n\t\t\t\t\t\t\t\tdocument.dispatchEvent(event);\n\t\t\t\t\t\t\t});\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tconsole.log('retrying');\n\t\t\t\t\t\t\tsetTimeout(init, 100);\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t\tinit();\n\t\t\t\t})()\n\t\t\t<\/script><div class=\"u-grid__col  u-1\/1 aligncenter size-full border-fix table-container\"><table class=\"luna-table js-tablesorter tablesorter tablesorter-default\" role=\"grid\"><thead class=\"luna-table__header\"><tr><th>Response<\/th><th><\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td><span class=\"row-color-icon\" style=\"background-color: #1D53FF;\"><\/span> \u00a350-99<\/td><td>23.94%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #00B2FF;\"><\/span> \u00a325-49<\/td><td>22.65%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #FFD23B;\"><\/span> \u00a3100-\u00a3199<\/td><td>19.69%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #C3F53C;\"><\/span> Not sure<\/td><td>13.51%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #B469FF;\"><\/span> \u00a31-\u00a324<\/td><td>12.61%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #FF73A9;\"><\/span> N\/A there is no price hike that would stop me letting my car insurance auto-renew<\/td><td>6.44%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #1DD751;\"><\/span> \u00a3200 or more, please specify<\/td><td>1.16%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"u-grid__col u-1\/1 source-container\"><span class=\"source\">Source: Finder survey by Censuswide of  Brits, December 2023<\/span><\/div><\/div><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Can an insurer refuse to cover me if I'm high risk?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. Car insurers are under no obligation to offer cover to anyone (though their business wouldn\u2019t be terribly successful if they refused to quote for any drivers). If you\u2019re a high-risk driver, you\u2019re likely to find fewer insurers willing to cover you than if you were a low-risk driver. And if you pick up a conviction part way through your policy term, your existing insurer may not wish to continue to cover you. If so, it will advise you that it is cancelling your cover. Many insurers will give you a short grace period to find alternative insurance.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How do I find insurance if I have a conviction?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You start off in the same way as anyone else: work out what level of cover you need, and then start getting quotes. But be aware that your options may be more limited. Some insurers will charge you more if you have previous convictions (for driving or otherwise). Some won\u2019t cover you at all. It\u2019s worthwhile getting quotes from specialist companies too.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What happens if I don't disclose my convictions?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you don\u2019t inform your insurer of your convictions, you run the risk of your <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/convicted-drivers\/voided-and-cancelled-car-insurance\">policy being voided.<\/a> This is likely to mean any claims made since the conviction are rejected \u2013 even if they were made before your insurer found out. In the unfortunate case that this happens to you, and you think your insurer has acted unfairly, you can make a complaint to the <a href=\"https:\/\/www.financial-ombudsman.org.uk\/\" target=\"_blank\" rel=\"noopener\">Financial Ombudsman<\/a>. It will look into your case and assess whether or not your failure to inform your insurers was deliberate.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How can I reduce my car insurance premiums with a bad driving record?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A bad driving record is bad news for your car insurance premiums, but there are ways to keep costs to a minimum. Take a look at our dedicated guide on <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/convicted-drivers\">car insurance for convicted drivers<\/a> for our top tips.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">How can I get cover on a car that mainstream providers won't insure?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you\u2019re lucky enough to own an exciting and unusual car, you may be less lucky on the insurance front. If you struggle to find affordable cover from mainstream providers (the kind that are usually available on price comparison sites), try a specialist insurer for your type of car. There are insurers that specialise in, for example, <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/american-car-insurance\">American imports<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/classic-car-insurance\">classic cars<\/a>.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">How far back do car insurers look at your driving history?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Typically, insurers only ask about your driving history over the last 5 years. You usually only need to actively disclose claims and convictions during the period they ask about. And remember you don\u2019t need to disclose any convictions that have officially been \u201cspent\u201d (most offences will be spent after 4 years). Read the questions carefully though, as some insurers may apply a longer time period. If you\u2019ve been convicted of an offence that stays on your record for 11 years you\u2019ll need to declare this if asked. And check any list of assumptions the insurer makes. Even if it only asks about the last 5 years, it may list an assumption that you haven\u2019t been convicted of a more serious driving offence such as driving under the influence of drugs or alcohol.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms \"best\", \"top\", \"cheap\" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\">*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (January \u201926). 51% of Confused.com car insurance customers could save \u00a3529.15.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Find out how to get car insurance as a high-risk driver and what options are available. Steps to reduce your premium as a high-risk driver.<\/p>\n","protected":false},"author":805,"featured_media":374930,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","footnotes":""},"categories":[2645],"tags":[3172,3265,3266],"asset_tag":[],"class_list":["post-127744","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","tag-car-insurance","tag-high","tag-risk"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Need high-risk car insurance? Know your options first | Finder UK<\/title>\n<meta name=\"description\" content=\"Find out how to get car insurance as a high-risk driver and what your options are. Compare quotes &amp; discover steps to cut your costs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/car-insurance\/high-risk-car-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"High-risk car insurance\" \/>\n<meta property=\"og:description\" content=\"Find out how to get car insurance as a high-risk driver and what your options are. 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