Insurance with points or convictions

Our specialist policies are excellent value for drivers with points on their license


Insurance with points or convictions

Our specialist policies are excellent value for drivers with points on their license


Speeding offences

Speeding can come as a result of an error of judgement or simply being caught out by the ever-changing limits on today’s modern roads. We can help to insure drivers who have been previously convicted for the following offences:

  • Gatsos
  • Speed traps
  • MW10s
  • SP30s
  • Totting up bans

Traffic offences

At Policywise we understand everybody makes mistakes. We also believe everybody deserves fair treatment. So we help cover drivers with traffic convictions such as:

  • Drink driving
  • Drug driving
  • Driving without insurance
  • Driving without due care
  • Totting up bans

Criminal offences

Unfortunately it’s not just speeding and traffic convictions that can affect your insurance costs. Non-driving offences are also taken into consideration and can mean that you end up paying even more.

Unlike price comparison sites, we treat each case on it’s individual merits. We will listen to you and obtain the full circumstances surrounding your conviction, then build up a case to present to our underwriter for a sympathetic hearing.

Value Added Extras

We can include any of the following with your policy (where applicable):

Motor Legal

  • Compensation if you are injured or compensation for your family if you are killed.
  • Your policy ‘excess’ under your motor insurance policy.
  • Damage repairs to your vehicle.
  • Compensation for loss of earnings and for you not being able to use your car.
  • The cost of vehicle recovery and storage charges.
  • Uninsured damage to personal property (clothes, luggage etc!)
  • £1000,000 limit of indemnity

Excess Protect

  • We will pay you to the lesser of the value of your excess or the sum of £500 when your vehicle has been determined to be a total loss by your motor insurers who deduct your excess from their settlement or your vehicle is repairable and you are required to pay a policy excess.
  • This is done regardless of blame.


  • £1500 of insurance cover in the event that any of your keys attached to the provided fob are either lost, stolen or damaged.
  • Up to £1500 annual cover for locksmiths charges, new locks ad keys, care hire and onward transport costs
  • Up to 3 days car hire if  you are stranded or your car is unusable as a result of lost stolen or damaged keys
  • £10.00  Reward payable to finder of your lost keys

Taxi Breakdown

  • This policy offers both roadside and homestart assistance with up to 1 hours labour for up to 6 call outs. Any driver of the vehicle will be covered with respect to the owners permission.
  • Includes wheel changes, blow outs, punctures and recovery of your vehicle to the nearest garage or depot.


  • If you happen to put the wrong fuel into your car we will pay the cost of the removal of the fuel and any damage it has caused.
  • No excess to pay!
  • Claim amount is up to £2500.

Terms and conditions apply.