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Convicted drivers can face the prospect of paying for their offences in more ways than one. They may initially face a fine upon conviction, which in turn increases the cost of their insurance premium. Convicted drivers are considered to be higher risk by insurers, as the chances that they might make a claim is greater. Insurance operates essentially on the concept of calculated risk, so to offset the likelihood of insurers having to payout more, they raise the cost of their convicted driver insurance premiums. The convictions that an insurer takes into consideration are both driving and non-driving offences. These non-driving offences may be completely unrelated to driving vehicles, but some insurers will still consider these individuals to be higher risk and increase the premium price, or possibly refuse them car insurance with convictions products altogether.


Some examples of motoring offences

Speeding – This tops the list for motoring offences in the UK, with penalty points of between 3-6 being given and maximum fine of £2,500. Almost 84% of motoring offences are for exceeding the speed limit.

Drink driving – Around 3000 drink driving related accidents happen every year in the UK alone, and around 9,050 of these result in death or injury involving drivers who are over the limit.

Driving whilst distracted – Driving whilst talking on a phone could result in you facing three penalty points on your license and a fine of up to £1,000.

Driving without insurance – Around 300,000 people are caught every year without an insurance cover, and are given penalty points of between 6-8, and potential fine of up to £5,000. Driving without adequate insurance (or no insurance at all) is considered a very serious offence.

Drug driving – Driving while under the influence of drugs is a serious offense, even the smallest amount of drugs in your system can lead to points, a ban and a criminal record.


Frequently Asked Questions

What are driving convictions?

A driving conviction is a criminal offence that results in a Fixed Penalty Notice (FPN) being given to you. Punishment from a driving conviction might be points being placed on your licence, a monetary fine, or potentially even imprisonment. These punishments will vary depending on the seriousness of the conviction. Almost 2.4 million drivers are convicted for committing a motoring offence every year. Getting a good deal on car insurance with convictions can be hard work and it is illegal to drive without the adequate insurance cover.

How is my insurance affected if I don’t disclose my convictions?

Never make the mistake of deliberately withholding your convictions (motoring or non-motoring) from your insurance provider. Your insurance could be deemed invalid and you would have no cover in the event of a claim. This in turn may make it even harder for you to find insurance in the future, as non disclosure of convictions will be recorded on your insurers database. Disclosing any convictions fully and honestly will help you get back on track with your insurance profile. Having the correct car insurance with convictions cover is vital in the event of an accident.

How is car insurance affected by convictions?
  • Convictions can increase your premiums significantly whether its a small motoring conviction or something more serious.
  • Drink-driving, or driving under the influence of drugs is a very serious offence and in the case of a claim, your car insurance with convictions voluntary excess costs could be higher. This offence will stay on your license for three to five years,  and with more serious offences potentially up to 11 years.
  • Insurance for banned drivers – You can be banned for a number of offences such as Drink driving, Drug Driving, Driving without insurance and many more. If you accrue 12 or more penalty points in the space of three years, you could be banned from driving as well. Insurance for banned drivers will result in higher premium costs.
How do young drivers obtain convicted driver insurance?

Statistics show that young drivers are more likely to be convicted than older drivers. Therefore even the most minor conviction of a young driver, it will consequently make it more difficult for them to get convicted driver insurance in the future. Companies such as Try Compare exist to help young drivers find convicted driver insurance at a reasonable price, by comparing quotes from a range of trusted providers.

How can Try Compare help me get insured with convictions?

Whatever your convictions are, and however serious they may be, Try Compare can help you find quotes for your car insurance with convictions, or insurance for banned drivers. We have the right expertise on-hand to provide you with your cover and save you time, money and energy. We understand the impact driving convictions can have on individuals and we work with some of the leading insurance providers in the UK to offer rehabilitated drivers cheaper rates on their insurance. If you want to find cheaper quotes for convicted driver insurance, or insurance for banned drivers, fill in our form and our experts will help you go through your details and locate the best deal for you. Get Your FREE Quote Today: www.trycompare.co.uk.

You can view all convictions in the table below.

Motoring convictions such as these above can make it harder for you to find car insurance with convictions. If your motoring offences are serious enough to earn you a driving ban, then insurance for banned drivers can prove even more expensive.

Accident Offences

Offence CodeDescriptionLicence Points
AC10Failing to stop and/or give particulars after an accident5 to 10
AC20Failing to give particulars or report an accident within 24 hours5 to 10
AC30Undefined accident offences4 to 9

Careless Driving

Offence CodeDescriptionLicence Points
CD10Driving without due care and attention / driving without paying attention due to lack of care and attention3 to 9
CD20Driving without reasonable consideration for other road users3 to 9
CD30Driving without due care and attention or without reasonable consideration3 to 9
CD40Causing death by careless driving when unfit through drink / drinking and driving3 to 11
CD50Causing death by careless driving when unfit through drugs3 to 11
CD60Causing death by careless driving with an alcohol level above the limit3 to 11
CD70Causing death by careless driving and failing to supply a specimen3 to 11

Construction and use offences

Offence CodeDescriptionLicence Points
CU10Driving a vehicle with defective brakes3
CU20Driving a vehicle with parts or accessories in dangerous condition3
CU30Driving a vehicle with defective tyres (tyre with cuts, bulges or under legal tread depth limit)3
CU40Driving a vehicle with defective steering mechanism3
CU50Causing or likely to cause danger by reason of load or passengers3
CU60An undefined failure to comply with construction and use regulations3
CU80A breach of requirements as to control the vehicle, such as a using a mobile phone/ being distracted. Could also relate to driving without due care and attention3 to 6

Disqualified Driver

Offence CodeDescriptionLicense Points
BA10Driving while disqualified by order of a court of law6
BA20Driving while disqualified as under aged to do so6
BA30An attempt to drive whilst disqualified by order of a court of law6

Drinking

Offence CodeDescriptionLicense Points
DR10Driving or an attempt to drive with alcohol above the legal limit3 to 11
DR20Driving or an attempt to drive while unfit through drinking alcohol3 to 11
DR30Driving or an attempt to drive and refusing to supply a specimen (e.g., breath sample)3 to 11
DR40In charge of a vehicle with an alcohol level above the legal limit10
DR50In charge of a vehicle while unfit through drinking alcohol or drugs10
DR60Failure to provide a specimen for analysis (e.g., breath sample) other than driving10
DR70Failure to provide a specimen for a breath test3
DR80Driving or an attempt to drive when unfit through drugs3 to 11
DR90In charge of a vehicle when unfit through the use of drugs10

Drugs

Offence CodeDescriptionLicence Points
DG10Driving or an attempt to drive with a drug level above the specified limit3 to 11
DG60Cause of death by careless driving with a drug level above the legal limit3 to 11
DG80Driving or an attempt to drive when unfit through the use of drugs3 to 11

Insurance offences

Offence CodeDescriptionLicense Points
IN10The use of a vehicle that does not have at least third party insurance to protect against risks6 to 8

Licence offences

Offence CodeDescriptionLicense Points
LC10Driving a vehicle without a valid licence3 to 6
LC20Driving a vehicle otherwise than in accordance with a licence3 to 6
LC30Driving a vehicle after making a false declaration about fitness to drive3 to 6
LC40Driving a vehicle having failed to notify a disability3 to 6
LC50Driving a vehicle after a licence has been revoked or refused on medical grounds3 to 6

Miscellaneous offences

Offence CodeDescriptionLicense Points
MS10Leaving/parking a vehicle in a dangerous position3
MS20Unlawful pillion riding3
MS30Play street offences2
MS50Motor racing on the public highway3 to 11
MS60Offences not covered by other codes (including offences relating to breach of requirements as to control of vehicle)3
MS70Driving a vehicle with uncorrected defective eyesight3
MS80A refusal to submit to an eyesight test3
MS90A failure to comply to give information as to the identity of the driver, etc.6

Motorway offences

Offence CodeDescriptionLicense Points
MW10Violation of special roads regulations3

Pedestrian crossing

Offence CodeDescriptionLicense Points
PC10Undefined violation of the pedestrian crossing regulation3
PC20Violation of the pedestrian crossing regulations – a moving vehicles3
PC30Violation of the pedestrian crossing regulations – a stationary vehicles3

Learner Driver/Provisional Licence

Offence CodeDescription
PL10Driving without red Learner (L)-plates
PL20Not being accompanied by a qualified person (e.g., driving instructor)
PL30Carrying a person that is not qualified to teach
PL40Drawing an unauthorised trailer
PL50Undefined failure to comply with conditions of a learners provisional licence

Reckless/Dangerous Driving

Offence CodeDescriptionLicense Points
DD10Driving a vehicle in a dangerous manner3 to 11
DD40Driving a vehicle dangerously 3 to 11
DD60Manslaughter or culpable homicide while driving a vehicle3 to 11
DD80Causing death by dangerous driving3 to 11
DD90Furious driving/road rage3 to 9

Speeding offences

Offence CodeDescriptionLicense Points
SP10Exceeding goods vehicle speed limits3 to 6
SP20Exceeding the speed limit for type of vehicle (excluding goods or passenger vehicles)3 to 6
SP30Exceeding the statutory (permitted) speed limit on a public road3 to 6
SP40Exceeding the passenger vehicle speed limit3 to 6
SP50Exceeding the speed limit of a motorway3 to 6
SP60Undefined speed limit offence3 to 6

Vehicle theft/taking

Offence CodeDescriptionLicense Points
UT10Taking and driving a vehicle away without consent or attempt thereof3 to 11
UT20Stealing or attempting to steal a vehicle3 to 11
UT30Going equipped for stealing or taking a vehicle3 to 11
UT40Taking, driving or being carried in a vehicle without consent3 to 11
UT50Aggravated taking of a vehicle3 to 11

Traffic direction and signs

Offence CodeDescriptionLicense Points
TS10A failure to comply with traffic light signals (e.g., going through a red light)3
TS20A failure to comply with double white lines3
TS30A failure to comply with ‘stop’ signage3
TS40A failure to comply with the direction of a constable or warden3
TS50A failure to comply with a traffic sign3
TS60A failure to comply with a school crossing patrol sign3
TS70An undefined failure to comply with a traffic signage or direction3

Special code

Offence CodeDescription
TT99A disqualification under ‘totting-up’ of points procedure