At a glance
- You may still be able to apply for Dayinsure temporary van insurance if you have points or certain driving convictions.
- For Dayinsure van cover, you must have no more than 9 penalty points.
- You must not have been disqualified in the last 18 months.
- Some conviction code groups, including DR, CD, DD, UT and DG will affect eligibility if they happened in the last 3 years.
- IN and CU80 offences will affect eligibility if they happened in the last 6 months.
- You’ll need to answer all quote questions honestly and accurately.
- It helps to check your driving record before you apply.
Need to borrow a van, help someone move house or use a van for a short job, but worried your licence could stop you getting insured?
If you’re searching for temporary van insurance with conviction history on your licence, you probably want a clear answer without lots of insurance jargon.
The simple answer is: you may still be able to apply for Dayinsure temporary van insurance if you have points or certain convictions. It depends on your driving history, the conviction code, when it happened, the van you want to drive and how you’ll use it.
We know this can feel a bit stressful, especially when you need cover quickly. So let’s walk through what Dayinsure checks, what you’ll need before you apply and how points or convictions can affect temporary van insurance eligibility.
Can you get temporary van insurance with an unspent motoring conviction?
You may be able to apply for Dayinsure temporary van insurance with an unspent motoring conviction, but it depends on the type of conviction.
An unspent conviction is a conviction that still needs to be declared when you’re asked about it. A spent conviction is one that may no longer need to be declared in some situations. If you’re not sure whether a conviction is spent or unspent, it’s best to check official guidance or your driving record before you apply.
For Dayinsure temporary van insurance, there are a few key rules to be aware of.
To be eligible, you must:
- Be aged between 18 and 75
- Hold a current, valid, full GB driving licence
- Have held that licence for at least 6 months, or 3 months if you’re aged over 25
- Live at a permanent UK address
- Have had no more than 1 fault claim in the last 12 months
- Have no more than 9 penalty points
- Have had no disqualifications in the last 18 months
- Have no unspent criminal convictions, except motor offences
- Have permission from the owner to drive the van
There are also rules around certain motoring offence codes.
For Dayinsure temporary van insurance, you must not have had:
- A motoring offence in the last 3 years with a conviction code starting DR, CD, DD, UT or DG
- A motoring offence in the last 6 months with a conviction code starting IN or CU80
That sounds like a lot, but the main message is simple. Having points doesn’t always mean you can’t apply. The type of conviction and when it happened both matter.
If you’re a convicted driver needing temporary van insurance, it’s important to check the eligibility criteria before applying. If you meet the criteria, you may still be able to get temporary cover.
What counts as a conviction or points for van insurance?
A driving conviction is a motoring offence recorded against your driving licence. Some convictions come with penalty points. Others may involve a fine, a driving ban or another penalty.
Penalty points are added to your driving record after certain offences. They’re sometimes called endorsements.
This is why drivers often search for van insurance with points or temporary van insurance with points after receiving a conviction.
Common examples include:
- Speeding offences
- Driving without insurance
- Mobile phone offences
- Careless driving
- Alcohol-related driving offences
- Vehicle condition issues
If you need van cover with a driving conviction, it’s worth checking your driving record before you apply. This helps you make sure the information you provide matches what’s on your licence.
SP30 speeding convictions
An SP30 conviction usually relates to exceeding the statutory speed limit on a public road.
If you’re asking, “can I get van cover with SP30?”, the answer is that an SP30 doesn’t automatically mean you can’t apply for Dayinsure temporary van insurance.
An SP30 conviction may affect your eligibility for cover and the price you pay. Whether cover is available will depend on your individual circumstances and our acceptance criteria.
A driver with an SP30 may still be able to apply for temporary van insurance with points, depending on the rest of the information entered during the application.
DR10, IN10 and other conviction codes
Conviction codes help show what type of offence was recorded on your driving licence.
Some codes are more likely to affect temporary van insurance eligibility than others, especially if they’re recent.
Here are a few common ones:
- SP30 usually relates to speeding on a public road
- DR10 usually relates to driving or attempting to drive with alcohol above the legal limit
- IN10 usually relates to using a vehicle without third-party insurance
- CU80 usually relates to using a mobile phone while driving
- CD codes can relate to careless driving
- DD codes can relate to dangerous driving
- DG codes can relate to drug driving
- UT codes can relate to certain “totting up” offences
For Dayinsure temporary van insurance, DR, CD, DD, UT and DG conviction code prefixes will affect eligibility if the offence happened in the last 3 years.
IN and CU80 offences will affect eligibility if they happened in the last 6 months.
If you’re not sure what a code means, don’t guess. You can check your driving record online before applying.
Why might temporary van insurance be declined?
Dayinsure may not be able to offer temporary van insurance in every situation.
Sometimes the issue is linked to the driver. Sometimes it’s linked to the van. Sometimes it’s about how the van will be used.
Cover may not be available if, for example:
- You have more than 9 penalty points.
- You’ve been disqualified in the last 18 months.
- You’ve had a DR, CD, DD, UT or DG offence in the last 3 years.
- You’ve had an IN or CU80 offence in the last 6 months.
- You don’t meet the licence requirements.
- You don’t live at a permanent UK address.
- You don’t have the owner’s permission to drive the van.
- The van doesn’t meet Dayinsure’s vehicle criteria.
- The van use doesn’t fit the policy.
Dayinsure temporary van insurance also has vehicle rules.
The van must:
- Be registered in Great Britain, Northern Ireland or the Isle of Man.
- Have a current market value of less than £75,000.
- Have an engine size of 3999cc or less.
- Not be over 3.5 tonnes gross vehicle weight.
- Have no more than 8 seats including the driver’s seat.
- Not be a seized vehicle or in a police compound.
- Not be a hire or rental vehicle.
- Not be leased under an agreement of 12 months or less.
There are also rules about modifications, imports and vans converted into motorhomes.
It’s also important to be clear about how you’ll use the van. Borrowing a van to move house is different from using a van for courier work, fast food delivery or carrying goods for payment.
If Dayinsure can’t offer cover based on the details you provide, the quote journey will make this clear.
You may also find it useful to read more on how temporary van insurance works before applying.
What information should you have ready before applying?
Having the right information ready can make the Dayinsure application quicker and easier, especially if you need temporary van cover with conviction history at short notice.
Before applying, try to have the following details ready:
- Your driving licence details
- Your vehicle details
It may also be helpful to check the following information beforehand if you have convictions or penalty points, as this can help you understand whether you’re likely to meet the eligibility criteria:
- Your conviction code, if known
- The date of the offence or conviction
- The number of points currently on your licence
- Details of any previous bans or disqualifications
It’s also worth checking that the address you use is your permanent UK address. Dayinsure can’t accept temporary addresses, work addresses or correspondence-only addresses.
It’s important to understand how you’ll be using the van, as this can affect your eligibility for cover.
For example:
- A house move may be different from paid work.
- Borrowing a van for a short work task may be different from regular business driving.
- Covering a short-term work project may need different use information from personal use.
- Courier work or fast food delivery for payment or reward isn’t allowed.
Drivers looking for van insurance with points sometimes rush because they need cover quickly. Taking a few extra minutes to check your details and review the eligibility criteria can help avoid mistakes.
You can check the latest temporary van insurance eligibility criteria on the Dayinsure website or app before applying.
Can tradespeople get temporary van insurance with points?
Tradespeople often need short-term van cover for practical, everyday reasons.
This could include:
- Borrowing a van for a one-day job
- Covering a gap between vehicles
- Using a temporary work van while repairs are completed
- Completing a short project with a borrowed vehicle
Having points on your licence doesn’t automatically mean you can’t apply. Dayinsure will look at the information entered during the quote journey and check it against the eligibility criteria.
For example:
- A plumber may need cover to borrow a van for one day
- A builder might need short-term van insurance while their usual vehicle is being repaired
- A driver may need temporary van insurance for a one-off job.
It’s important to be clear about what van insurance covers. Dayinsure temporary van insurance covers the van and the insured use. It doesn’t automatically cover tools, equipment, materials or loose items inside the van.
Personal belongings in the vehicle are covered up to £150 for any one incident if they’re lost, damaged or stolen because of an accident, fire or theft. If you carry expensive tools or specialist equipment, you may need separate tool insurance or goods-in-transit cover.
If you’re using a borrowed van for work, it’s also worth thinking about security before you set off. Simple steps like keeping items out of sight, locking the van whenever you leave it and choosing where you park can help reduce the risk of theft while you’re working, loading or unloading.
Can you get temporary van cover with an SP30?
Yes, you may be able to apply for Dayinsure temporary van insurance with an SP30.
An SP30 is one of the most common motoring conviction codes. It usually relates to exceeding the statutory speed limit on a public road.
An SP30 doesn’t automatically stop you from applying. What matters is the full picture, including how many points you have, whether you meet the other eligibility rules and what details you enter during the quote journey.
If you’re wondering “can I get van cover with SP30?”, it’s best to:
- Declare the SP30 if asked.
- Check the conviction date carefully.
- Review your driving record if you’re unsure.
- Answer every quote question accurately.
- Avoid guessing the offence date or points total.
Drivers searching for temporary van insurance with conviction history often worry that speeding points mean an automatic no. That isn’t always the case.
The clearest way to understand your options is to check eligibility through the Dayinsure quote journey.
What if your conviction is spent?
A spent conviction may no longer need to be declared in some situations. But you should still answer Dayinsure’s questions exactly as they’re asked.
For example, a question may ask about:
- Convictions within a certain timeframe.
- Unspent convictions only.
- Previous bans.
- Current penalty points.
- Licence history.
The wording matters.
Don’t assume an older conviction is irrelevant. Also, don’t assume you need to declare something if the question doesn’t ask for it. Read the question carefully and check your record if you’re unsure.
Drivers looking for van cover with a driving conviction sometimes worry about older offences affecting eligibility. That’s completely understandable. Checking your driving record and the insurance product information can help you understand what’s needed before you apply.
Need temporary van cover with a conviction? Here’s what to do next
If you need short-term van cover and you’ve got points or a conviction, you may still be able to apply for Dayinsure temporary van insurance.
The key is to check the details before you start.
Make sure you know:
- How many points are on your licence.
- Whether you’ve had a disqualification in the last 18 months.
- Whether your conviction code falls within Dayinsure’s restricted timeframes.
- How you’ll use the van.
- Whether the van meets Dayinsure’s criteria.
We know this can feel like a lot when you just need to get on with your day. Maybe you’re borrowing a van for work, collecting furniture, moving your own belongings or helping someone move house.
That’s why Dayinsure keeps the quote process online and straightforward. You answer the questions, we check your details against the criteria and you’ll see whether cover is available.
Need short-term van cover? Check whether you can get temporary van insurance with Dayinsure today.
FAQs about temporary van insurance with convictions and points
Will an SP30 stop me getting temporary van insurance?
An SP30 does not automatically mean someone cannot apply for Dayinsure temporary van insurance. Applications are assessed using the driver’s details, conviction history and the information provided during the quote journey.
Can I borrow a van for work if I have points on my licence?
You may still be able to apply for Dayinsure temporary van insurance if you have points. The intended use of the van matters, so you’ll need to answer all questions accurately. Dayinsure doesn’t cover courier work, fast food delivery or carrying goods for payment or reward.
Do I need my conviction code before applying?
Having your conviction code ready can help speed up the application. Drivers can usually check their driving record online if they are unsure about conviction details or endorsement codes.
This can help if you need short term van insurance quickly and are unsure about your conviction details.
Can I get temporary van insurance for a house move with points?
Dayinsure temporary van insurance may help drivers who need short-term van cover for personal use, such as moving house, subject to eligibility.
Drivers should provide accurate licence and van details during the application for temporary van insurance with conviction history.
What details affect temporary van insurance eligibility?
Several factors may affect temporary van insurance eligibility, including:
- Driver age
- Licence type
- Convictions or points
- Van details
- Intended use
- Length of cover required
Applications are assessed using the information provided during the quote journey.
Can I apply for temporary van insurance if I was previously disqualified?
Previous disqualifications may affect eligibility. Drivers should answer all questions honestly during the Dayinsure application and provide accurate information about their licence history.
If you meet the eligibility criteria, you may be able to get cover through Dayinsure.
Is temporary van insurance useful for tradespeople?
Temporary van insurance can be useful for tradespeople who need short-term access to a van, subject to eligibility and intended use. It can help with borrowing a van or covering a temporary vehicle, but it doesn’t automatically cover tools, equipment or goods inside the van.
What should I check before driving a borrowed van?
Before driving a borrowed van, it’s sensible to check:
- Insurance cover
- Vehicle condition
- MOT status
- Intended use
- Cover dates
- Driver details
Making sure everything is accurate before driving can help avoid problems later.
