Compare the Best High-Risk Car Insurance Companies in the UK (2025)
If you’ve struggled to get affordable car insurance due to driving convictions, claims, or credit issues, you’re not alone. Many drivers in the UK fall into the “high-risk” category — but that doesn’t mean you can’t find a fair policy. The key is knowing which insurers specialise in your situation and how to compare them effectively.
This 2025 guide reveals the top high-risk car insurance providers in the UK, how they differ from standard insurers, and practical tips to help you get the best possible deal.
What Is High-Risk Car Insurance?
High-risk car insurance is designed for drivers who don’t meet the criteria of standard insurers. This includes people with convictions, previous claims, bad credit, or limited driving experience.
These insurers assess risk differently, focusing on personal circumstances instead of broad statistics. As a result, you can often get better prices by applying through a specialist rather than a mainstream company.
Common Reasons You Might Be Considered “High Risk”
- Previous driving convictions (e.g. DR10, IN10, SP30)
- Multiple claims or accidents in the last five years
- Young or inexperienced driver
- Poor or no credit history
- Driving a high-performance or modified vehicle
Even one or two of these factors can trigger higher quotes — but with the right insurer, the increase can be minimal.
Top High-Risk Car Insurance Companies in the UK (2025)
Below are some of the most reputable and flexible providers that specialise in high-risk profiles:
1. Adrian Flux
One of the UK’s leading specialist brokers, Adrian Flux covers almost every high-risk profile — from convicted drivers to modified cars. They offer flexible payment options and no automatic rejections.
- ✔ Suitable for drivers with convictions or bans
- ✔ Covers imported, modified, or high-value cars
- ✔ Manual underwriting for fairer pricing
2. Lancaster Insurance
Known for classic and niche vehicle insurance, Lancaster also provides cover for drivers with complex histories. Their policies often include breakdown and legal protection.
- ✔ Ideal for vintage and specialist cars
- ✔ Offers cover for older or limited-use vehicles
3. Performance Direct
Excellent choice for modified or sports car owners with previous convictions. Performance Direct works with a large panel of underwriters to find competitive rates.
- ✔ Great for modified vehicles
- ✔ Works with over 30 insurers
- ✔ Fast online quote system
4. Sterling Insurance
Sterling specialises in convicted and young drivers. They consider each case individually and often provide more flexible deposits and monthly payments than larger brands.
- ✔ Best for young or newly qualified drivers
- ✔ Conviction-friendly policies
5. GoSkippy Insurance
A budget-friendly option that caters to drivers with recent claims or accidents. GoSkippy provides quick online quotes and fair pricing for drivers with poor credit or past incidents.
- ✔ Affordable for drivers with accident history
- ✔ Good online management system
6. RCIB (Right Choice Insurance Brokers)
RCIB focuses on drivers rejected by standard insurers. They offer instant cover, flexible excess options, and personalised assessments for convicted or high-risk drivers.
- ✔ Best for banned or disqualified drivers
- ✔ Quick approval process
How to Compare High-Risk Car Insurance Quotes Effectively
When comparing quotes, don’t just look at price. Consider these critical factors to make sure you’re getting genuine value:
- Level of cover: Third Party, Third Party Fire & Theft, or Fully Comprehensive.
- Excess amount: Higher excess = lower premium, but ensure it’s affordable.
- No-Claims Bonus Protection: Important if you’re rebuilding after a claim.
- Telematics policy: Ideal for proving safe driving and earning discounts.
- Customer service reputation: Reviews matter when dealing with claims.
Tips to Lower High-Risk Car Insurance Costs
- Compare at least three specialist providers before buying.
- Install a black box or dashcam to record driving behaviour.
- Consider smaller, less powerful cars to reduce risk rating.
- Pay annually to avoid finance-related credit checks and fees.
- Stay claim-free for at least one year to unlock better renewal terms.
Average High-Risk Car Insurance Premiums (UK 2025)
| Driver Type | Estimated Annual Premium |
|---|---|
| Convicted Driver (DR10, IN10) | £1,600 – £2,800 |
| Young Driver (Under 25) | £1,200 – £2,200 |
| Bad Credit Driver | £1,000 – £1,900 |
| Multiple Claims History | £1,400 – £2,500 |
When to Use a High-Risk Insurance Broker
If you’ve been refused quotes online or by mainstream insurers, a broker can negotiate manually with underwriters. This often results in lower rates and more flexible conditions, especially for drivers with convictions or financial challenges.
Learn more about working with brokers in our guide on High Risk Car Insurance UK.
Final Thoughts
Comparing high-risk car insurance in the UK can feel overwhelming, but once you understand which providers cater to your situation, it becomes much simpler. Don’t settle for rejections or inflated quotes — explore specialist options and negotiate fair, transparent coverage.
To get started, compare trusted insurers and request quotes directly through our comparison portal.
Frequently Asked Questions
Who offers the best high-risk car insurance in the UK?
Providers like Adrian Flux, RCIB, and Sterling Insurance specialise in high-risk drivers and often give fairer quotes than mainstream insurers.
Can I compare high-risk car insurance online?
Yes. Use specialist comparison tools or brokers that work with multiple underwriters, not just standard comparison websites.
Is high-risk car insurance more expensive?
Usually, yes — but the increase depends on your record. Using a telematics policy or black box can reduce costs over time.
Can I get high-risk car insurance after a ban?
Yes. Many specialist insurers offer cover for drivers returning after disqualification or serious convictions.