What is convicted driver insurance?
Convicted driver insurance is a type of car insurance for people who have driving convictions, such as points on their licence, a previous driving ban or multiple claims on a previous policy.
Because convicted drivers are seen as higher risk, their insurance can cost more. The goal of convicted driver insurance is to help people get back on the road and rebuild their driving credibility, even after they've made mistakes in the past.
Who are Ticker?
RAC have teamed up with Ticker, an award winning, UK-based telematics insurance specialist. Rated ‘Excellent’ on Trustpilot, with Ticker you manage your black box insurance policy directly through a smartphone app.
Customer support is provided through app-based chat only (always with a real person). This is unless you’re making a claim – the claims phone line is open 24/7.
How does it work?
When you choose our car insurance for convicted drivers, a self-fit telematics device – also known as a black box – will be sent directly to your door. You’ll receive clear instructions on how to install it, and then you’ll get feedback on your driving once a week in the RAC Black Box app.
Device sent by post
You’ll receive a self-fit telematics device in the post along with simple instructions on how to install it.
Simple setup
You’ll need to register in the app within 24 hours of your cover starting. The device needs to be installed as soon as you receive it.
Check the RAC Black Box app
Your app will confirm your device is connected. Your score will be updated in the app every Monday.
Manage your policy via the RAC Black Box app
With this insurance for convicted drivers, customer service is fully digital via the RAC Black Box app, so there is no need to wait to speak to someone on the phone. The app is where you’ll find everything you need to manage your cover, all in one place. You can make quick changes to your policy, start a chat with an online agent, get help with making a claim or renew your policy. In the app you’ll also be able to view your current driving score – the higher your score, the more likely you’re to get a lower price when it's time to renew.
What’s included with convicted driver insurance?
With car insurance specifically for convicted drivers, you’ll receive a number of great benefits that other drivers get. This includes:
- A comprehensive black box policy that helps reduce future costs.
- Instant cover, even if you have points, previous suspensions, previous bans or multiple claims.
- Cover if you’re hit by an uninsured driver.
- A courtesy car included as standard when using a nominated repairer.
Is convicted driver insurance right for me?
RAC Black Box Car Insurance can offer cover if:
- All drivers on the policy are aged between 21 and 70 years old
- The policyholder or a named driver holds a valid full UK driving licence
- There are no more than three drivers on the policy, including the policyholder
- The declared vehicle mileage is between 1,000 and 18,000 miles a year
- The vehicle is valued between £500 and £39,999
- The vehicle is less than 20 years old
- The vehicle is used for social, commuting or business use
What’s covered with car insurance for convicted drivers?
What's covered
30 days cover in the European Union (same level of cover you have in the UK)
Cover for accessories
Emergency treatment
Courtesy car as standard (subject to availability and eligibility, if using our nominated repairer)
Repairs guaranteed (for 5 years at approved garages)
Replacement locks and theft of keys
Sound and sat-nav equipment – up to £300
Window glass cover
New car benefit
Personal accident benefit – up to £5,000
Medical expenses – up to £200
Personal belongings – up to £300
Uninsured driver promise
Transport home after an accident – anywhere in GB
Child seat cover
24/7 claims line
What's optional
RAC Breakdown Cover – Choose from a range of cover levels to keep you moving in the event of a breakdown
Motor Legal Protection – Cover up to £100,000 of legal expenses
NCD Protection – You can add this when you buy your policy
What customers are saying about our partner Ticker
Regain trust on the road
With Ticker’s black box, you can help rebuild your driving credibility.
✓ The device takes seconds to set up in your car, and you can monitor everything through the easy-to-use RAC Black Box app.
✓ You’ll receive weekly driving feedback straight from your phone. You can check your driving and adjust based on the feedback in the app.
✓ When you go to renew, Ticker will take into account your driving during your policy and your No Claims Discount
Page reviewed by: David Buxton