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How driving convictions impact car insurance

Learn how driving and motoring convictions and endorsements affect the cost of your car insurance and see a list of driving conviction codes.

The basics

Did you know...?

  • Insurers may still take a speeding offence into account when calculating your premium, even if you've attended a speed awareness course and the points have not been put on your licence

Police will issue you with a driving conviction if you break a motoring law and are caught.

If you have a driving conviction, it's essential that you tell your insurer as they take it into account when calculating your car insurance quote.

"Driving laws exist to help keep motorists, cyclists and pedestrians safe on the road," said Gocompare.com's Matt Oliver.

"In addition to putting yourself and others at risk, racking up multiple driving convictions can have a serious impact on your ability to get insurance in the future and can increase insurance costs considerably."

Impact on your quote

If you have a motoring conviction, insurers will see you as a greater risk. This will be reflected in your quote, which will be higher.

How much your premium will increase by depends on a number of factors, including: Driving licence theory test quiz

  • Insurance companies' conviction policies
  • Type of conviction
  • Vehicle type
  • Your age

Type of conviction

Each insurer will assess differently, but an offence such as drink-driving will be treated as more significant than, say, a solitary speeding offence, and will almost certainly result in a large rise in your premium.

Licence points

How long points will remain on your licence depends upon the driving conviction that you've been charged with.

This could be anything from four years for something like speeding or dangerous driving, to 11 years for serious motoring offences such as drink/drug driving, or causing death by dangerous driving.

Previous driving convictions

Most insurance companies will request details of any driving convictions that you've received in the past five years, and it's illegal to withhold any such information.

If you don't disclose a conviction and you then make a claim on your policy, your claim could be invalid and your insurance company can refuse to pay out.

Alternatively, they could make an additional charge for the conviction and not authorise the claim until the charge is paid.

What's more, non-disclosure or mistakes can stay on your record for life and affect any future insurance applications.

Speed awareness courses

In some cases, it's possible to opt to complete a National Speed Awareness Scheme course as an alternative to receiving a fine and penalty points on your licence for a speeding offence.Car

Be aware that insurers may still take the speeding offence into account when calculating your premium, even if you've attended a course and the points have not been put on your licence.

Finding car insurance

It may be harder to find a policy if you have a motoring conviction, but it isn't impossible. By shopping around you could find an option that suits you and your driving history.

Non-endorsable offences

A non-endorsable offence is an offence which courts don't endorse onto your driving record.

No penalty points are attributed to these offences but they do carry a period of disqualification.

Conviction codes

There are many different types of driving conviction.

Take a look at our table of conviction codes and penalty points below for the most common:

Most common offences

CodeOffencePenalty points
SP10Exceeding goods vehicle speed limits3-6
SP30Exceeding statutory speed limit on a public road3-6
SP50Exceeding speed limit on a motorway3-6
TS10Failing to comply with traffic light signals3
IN10Using a vehicle uninsured against third party risks6-8
CU80Using a mobile phone while driving a motor vehicle6
DR10Driving or attempting to drive with alcohol level above limit3-11
LC20Driving otherwise than in accordance with a licence3-6
CD10Driving without due care or attention3-9


Accident offences

Offence codes AC10 to AC30 must stay on a driving licence for four years from the date of offence.

CodeOffencePenalty points
AC10Failing to stop after an accident5-10
AC20Failing to give particulars or to report an accident within 24 hours5-10
AC30Undefined accident offences4-9


Careless driving

Offence codes CD10 to CD30 must stay on a driving licence for four years from the date of offence.

CodeOffencePenalty points
CD10Driving without due care and attention3-9
CD20Driving without reasonable consideration for other road users3-9
CD30Driving without due care and attention or without reasonable consideration for other road users3-9


Offence codes CD40 to CD70 must stay on a licence for 11 years from the date of conviction.

CodeOffencePenalty points
CD40Causing death through careless driving when unfit through drink3-11
CD50Causing death by careless driving when unfit through drugs3-11
CD60Causing death by careless driving with alcohol level above the limit3-11
CD70Causing death by careless driving then failing to supply a specimen for analysis3-11

 

Offence codes CD80 and CD90 must stay on a driving licence for four years from the date of conviction.

CodeOffencePenalty points
CD80Causing death by careless, or inconsiderate, driving3-11
CD90Causing death by driving: Unlicensed, disqualified or uninsured drivers3-11

 

Construction and use offences

Offence codes CU10 to CU80 must stay on a driving licence for four years from the date of offence.

CodeOffencePenalty points
CU10Using a vehicle with defective brakes3
CU20Causing or likely to cause danger by reason of use of unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, steering or tyres) in a dangerous condition3
CU30Using a vehicle with defective tyre(s)3
CU40Using a vehicle with defective steering3
CU50Causing or likely to cause a danger by reason of load or passengers3
CU80Using a mobile phone while driving a motor vehicle3

 

Disqualified driver

Offence codes BA10 and BA30 must stay on a driving licence for four years from the date of offence.

CodeOffencePenalty points
BA10Driving while disqualified by order of court6
BA30Attempting to drive while disqualified by order of court6


Drink or drugs

Offence codes DR10 to DR30 must stay on a driving licence for 11 years from the date of conviction.

CodeOffencePenalty points
DR10Driving or attempting to drive with alcohol level above limit3-11
DR20Driving or attempting to drive while unfit through drink3-11
DR30Driving or attempting to drive then failing to supply a specimen for analysis3-11

 

Offence codes DR40 to DR70 must stay on a driving licence for four years from the date of offence.

CodeOffencePenalty points
DR40In charge of a vehicle while alcohol level above the limit10
DR50In charge of a vehicle while unfit through drink10
DR60Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive10
DR70Failing to provide specimen for breath test4

 

Offence code DR80 must stay on a driving licence for 11 years from the date of conviction.

CodeOffencePenalty points
DR80Driving or attempting to drive when unfit through drugs3-11

 

Offence code DR90 must stay on a driving licence for four years from date of offence.

CodeOffencePenalty points
DR90In charge of a vehicle when unfit through drugs10

 

Insurance offences

Offence code IN10 must stay on a driving licence for four years from the date of offence.

CodeOffencePenalty points
IN10Using a vehicle uninsured against third party risks6-8


Licence offences

Offence codes LC20 to LC50 must stay on a driving licence for four years from the date of offence.

CodeOffencePenalty points
LC20Driving otherwise than in accordance with a licence3-6
LC30Driving after making a false declaration about fitness when applying for a licence3-6
LC40Driving a vehicle having failed to notify a disability3-6
LC50Driving after a licence has been revoked or refused on medical grounds3-6

 

Miscellaneous offences

Offence codes MS10 to MS90 must stay on a driving licence for four years from the date of offence.

CodeOffencePenalty points
MS10Leaving a vehicle in a dangerous position3
MS20Unlawful pillion riding3
MS30Play street offences2
MS50Motor racing on the highway3-11
MS60Offences not covered by other codesAs appropriate
MS70Driving with uncorrected defective eyesight3
MS80Refusing to submit to an eyesight test3
MS90Failure to give information as to identity of driver etc6

 

Motorway offences

Offence code MW10 must stay on a driving licence for four years from the date of offence.

CodeOffencePenalty points
MW10Contravention of special roads regulations (excluding speed limits)3

 

Pedestrian crossings

Offence codes PC10 to PC30 must stay on a driving licence for four years from the date of offence.

CodeOffencePenalty points
PC10Undefined contravention of pedestrian crossing regulations3
PC20Contravention of pedestrian crossing regulations with moving vehicle3
PC30Contravention of pedestrian crossing regulations with stationary vehicle3

 

Reckless/dangerous driving

Offence codes DD40 to DD80 must stay on a driving licence for four years from date of conviction.

CodeOffencePenalty points
DD40Dangerous driving3-11
DD60Manslaughter or culpable homicide while driving a vehicle3-11
DD80Causing death by dangerous driving3-11
DD90Furious driving3-9

 

Special code

Offence code TT99 must stay on a driving licence for four years from the date of conviction.

CodeOffence
TT99To signify a disqualification under 'totting-up' procedure. If the total of penalty points reaches 12 or more within three years the driver is liable to be disqualified

 

Speed limits

Offence codes SP10 to SP50 must stay on a driving licence for four years from the date of offence.

CodeOffencePenalty points
SP10Exceeding goods vehicle speed limits3-6
SP20Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)3-6
SP30Exceeding statutory speed limit on a public road3-6
SP40Exceeding passenger vehicle speed limit3-6
SP50Exceeding speed limit on a motorway3-6

 

Traffic direction and signs

Offence codes TS10 to TS70 must stay on a driving licence for four years from the date of offence.

CodeOffencePenalty points
TS10Failing to comply with traffic light signals3
TS20Failing to comply with double white lines3
TS30Failing to comply with 'Stop' sign3
TS40Failing to comply with direction of a constable/warden3
TS50Failing to comply with traffic sign (excluding 'Stop' signs, traffic lights or double white lines)3
TS60Failing to comply with a school crossing patrol sign3
TS70Undefined failure to comply with a traffic direction sign3

 

Theft or unauthorised taking

Offence code UT50 must stay on a driving licence for four years from the date of offence.

CodeOffencePenalty points
UT50Aggravated taking of a vehicle3-11


Aiding, abetting, counselling or procuringVan insurance

Offences as coded, but with 0 changed to 2 eg LC10 becomes LC12

Causing or permitting

Offences as coded, but with 0 changed to 4 eg LC10 becomes LC14

Inciting

Offences as coded, but with 0 changed to 6 eg DD40 becomes DD46

By Abbie Laughton-Coles