Car insurance for Convicted Drivers

At First Ireland we know all drivers don’t necessarily fit into the “standard box” for various reasons when it comes to car insurance.

You may be one of many with a motoring or other legal type of conviction, or have a high number of penalty points, or have sustained a driving ban.

Finding affordable car insurance can be tricky at the best of times.

However, finding car insurance with a drink driving conviction or a careless driving conviction or indeed any conviction can be very challenging.

Car insurance for Convicted Drivers

Car insurance prices for convicted drivers tend to be higher than the market average. First Ireland Car Insurance Broker has been arranging affordable car insurance for drivers with convictions in Ireland for 35 years. Using our expertise and the good relationships we’ve developed with our speciality insurers, we’ll negotiate the best price we can based on your own personal circumstances.

Whilst some insurers only quote for minor offences, others may quote for drivers with convictions but only after a certain period which could be up to 10 years. Depending on the severity of your conviction, First Ireland may be able to provide you with a quote much sooner. Our advice is to disclose all convictions, motoring or otherwise, even if they are spent and we’ll advise you on the best way to proceed.

Just enter your details to arrange an online quotation. Don’t worry if a quotation is not returned initially as it doesn’t necessarily mean that we cannot help you. Your details are submitted to us so we will be in touch to discuss the options available to you. If you prefer you can call us and one of our qualified agents will talk you through the process. Tel: 01 882 0818

Convicted Drivers

We’ll find you our cheapest car insurance for convicted drivers & for drivers following disqualification
cheapest car insurance for convicted drivers

We can recognise your no claims bonus up to two years from the expiry of your last motor policy
car insurance with a drink driving conviction

Our experienced team is on hand to answer your questions and guide you through the quote & cover process
car insurance for drivers with convictions

Full and provisional licence holders

quote for drivers with convictions

Enhanced motor rescue for First Ireland car insurance customers
convicted driver car insurance

Spread the cost with our easy First Ireland Finance payment option

Need help or have a query?

Just call our Specialist Team or see our Frequently Asked Questions


As a First Ireland car insurance policyholder you will have access to our extra benefit package, AdvantageFirst.

AdvantageFirst includes First Ireland Rescue, First Ireland Personal Accident Cover, First Ireland Uninsured Loss Recovery Service, First Ireland Total Loss/Vehicular Theft Replacement Car Facility, First Ireland Uninsured Drivers Excess Payment

This benefit package is in addition to the benefits provided by your underwriter.

Call us today to learn more about AdvantageFirst and how it can add extra value to your car insurance policy.

Car Insurance F.A.Q.

What is an Excess?

An excess is the amount you contribute towards a claim. The excess amount will be listed in your policy schedule or Quotation.

What is a No Claims Bonus?

A no claims bonus is a discount you earn for every year you are insured and do not make a claim on your policy.

Do I have a No Claims Bonus as a named driver?

If you have never had a policy in your own name, but have driving experience as a Named driver or on a company policy we should be able to give you an introductory no claims discount, if you were driving claim free.

How much is a No Claims Bonus discount worth?

Each insurers discount scale varies. Typically you can earn at least 10% for 1 year and 50% for 5 years claim free. Some Insurers will give extra discounts for 6 or 7 years claims free.

What happens to my No Claims Bonus if I have a claim?

In theory you can lose your entire no claims bonus. However, most of the policies we recommend include some level of protection to your no claims bonus. That can be either Step Back Bonus Protection, where part of your bonus is ‘stepped back’ for example from 5 years back to 3 years, or a higher level of Bonus Protection.

What is Step Back Bonus Protection?

Step Back Bonus Protection means that following a claim your earned no claims bonus discount is reduced or Stepped Back - instead of a complete loss. For example; if you have a 5 years No Claims Bonus and your policy has a step back of 2 years. Then following a claim your bonus of 5 years will be reduced by 2 years and you will be entitled to a 3 year No Claims Bonus discount at your next renewal.

What is a No Claims Bonus Protection?

No claims bonus protection is where your policy has the benefit that allows you to make a claim without affecting your no claims bonus. Insurers can include limits on the number of claims made, the monetary value of the claim and the type of claim.

What is Open Driving?

Open Driving is a benefit that can be given by some Insurers on SOME policies. It means that someone who is not Named on your policy can drive your car. There are restrictions set by each insurer. For example; drivers might have to have a Full driving licence and be aged between 30 and 75. These rules/restrictions vary between each insurer but will always be noted on your Certificate of Insurance.

What is Driving of Other Cars?

Driving of other cars is cover to drive someone else’s car, under your own insurance policy. If your policy includes this benefit it is your own policy that will be affected if a claim occurs and it only covers the policyholder. Normally, cover is restricted to third party only. In simple terms this means that you are legally covered to drive the car and any damage you do to the car you are driving is not covered. Some policies we offer can give Comprehensive Driving of other Cars.

About First Ireland

First Ireland is proud to be a fully 100% Irish owned and operated company.

We are one of the largest brokerages in Ireland. All our resources are dedicated to, and all our business strategies are aimed at meeting the needs of our valued customers in Ireland. They’re the only ones we have. We now employ over 130 people at First Ireland and our extensive client list extends from individuals to large corporations.