How driving convictions impact car insurance

Learn how driving and motoring convictions 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.

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:

  • 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.

Car

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.

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 paper counterpart driving licence.

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

Code Offence Penalty points
SP10 Exceeding goods vehicle speed limits 3-6
SP30 Exceeding statutory speed limit on a public road 3-6
SP50 Exceeding speed limit on a motorway 3-6
TS10 Failing to comply with traffic light signals 3
IN10 Using a vehicle uninsured against third party risks 6-8
CU80 Using a mobile phone while driving a motor vehicle 3
DR10 Driving or attempting to drive with alcohol level above limit 3-11
LC20 Driving otherwise than in accordance with a licence 3-6
CD10 Driving without due care or attention 3-9


Accident offences

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

Code Offence Penalty points
AC10 Failing to stop after an accident 5-10
AC20 Failing to give particulars or to report an accident within 24 hours 5-10
AC30 Undefined accident offences 4-9


Careless driving

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

Code Offence Penalty points
CD10 Driving without due care and attention 3-9
CD20 Driving without reasonable consideration for other road users 3-9
CD30 Driving without due care and attention or without reasonable consideration for other road users 3-9


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

Code Offence Penalty points
CD40 Causing death through careless driving when unfit through drink 3-11
CD50 Causing death by careless driving when unfit through drugs 3-11
CD60 Causing death by careless driving with alcohol level above the limit 3-11
CD70 Causing death by careless driving then failing to supply a specimen for analysis 3-11

 

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

Code Offence Penalty points
CD80 Causing death by careless, or inconsiderate, driving 3-11
CD90 Causing death by driving: Unlicensed, disqualified or uninsured drivers 3-11

 

Construction and use offences

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

Code Offence Penalty points
CU10 Using a vehicle with defective brakes 3
CU20 Causing 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 condition 3
CU30 Using a vehicle with defective tyre(s) 3
CU40 Using a vehicle with defective steering 3
CU50 Causing or likely to cause a danger by reason of load or passengers 3
CU80 Using a mobile phone while driving a motor vehicle 3

 

Disqualified driver

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

Code Offence Penalty points
BA10 Driving while disqualified by order of court 6
BA30 Attempting to drive while disqualified by order of court 6


Drink or drugs

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

Code Offence Penalty points
DR10 Driving or attempting to drive with alcohol level above limit 3-11
DR20 Driving or attempting to drive while unfit through drink 3-11
DR30 Driving or attempting to drive then failing to supply a specimen for analysis 3-11

 

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

Code Offence Penalty points
DR40 In charge of a vehicle while alcohol level above the limit 10
DR50 In charge of a vehicle while unfit through drink 10
DR60 Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive 10
DR70 Failing to provide specimen for breath test 4

 

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

Code Offence Penalty points
DR80 Driving or attempting to drive when unfit through drugs 3-11

 

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

Code Offence Penalty points
DR90 In charge of a vehicle when unfit through drugs 10

 

Insurance offences

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

Code Offence Penalty points
IN10 Using a vehicle uninsured against third party risks 6-8


Licence offences

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

Code Offence Penalty points
LC20 Driving otherwise than in accordance with a licence 3-6
LC30 Driving after making a false declaration about fitness when applying for a licence 3-6
LC40 Driving a vehicle having failed to notify a disability 3-6
LC50 Driving after a licence has been revoked or refused on medical grounds 3-6

 

Miscellaneous offences

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

Code Offence Penalty points
MS10 Leaving a vehicle in a dangerous position 3
MS20 Unlawful pillion riding 3
MS30 Play street offences 2
MS50 Motor racing on the highway 3-11
MS60 Offences not covered by other codes As appropriate
MS70 Driving with uncorrected defective eyesight 3
MS80 Refusing to submit to an eyesight test 3
MS90 Failure to give information as to identity of driver etc 6

 

Motorway offences

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

Code Offence Penalty points
MW10 Contravention 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.

Code Offence Penalty points
PC10 Undefined contravention of pedestrian crossing regulations 3
PC20 Contravention of pedestrian crossing regulations with moving vehicle 3
PC30 Contravention of pedestrian crossing regulations with stationary vehicle 3

 

Reckless/dangerous driving

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

Code Offence Penalty points
DD40 Dangerous driving 3-11
DD60 Manslaughter or culpable homicide while driving a vehicle 3-11
DD80 Causing death by dangerous driving 3-11
DD90 Furious driving 3-9

 

Special code

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

Code Offence
TT99 To 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.

Code Offence Penalty points
SP10 Exceeding goods vehicle speed limits 3-6
SP20 Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles) 3-6
SP30 Exceeding statutory speed limit on a public road 3-6
SP40 Exceeding passenger vehicle speed limit 3-6
SP50 Exceeding speed limit on a motorway 3-6

 

Traffic direction and signs

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

Code Offence Penalty points
TS10 Failing to comply with traffic light signals 3
TS20 Failing to comply with double white lines 3
TS30 Failing to comply with 'Stop' sign 3
TS40 Failing to comply with direction of a constable/warden 3
TS50 Failing to comply with traffic sign (excluding 'Stop' signs, traffic lights or double white lines) 3
TS60 Failing to comply with a school crossing patrol sign 3
TS70 Undefined failure to comply with a traffic direction sign 3

 

Theft or unauthorised taking

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

Code Offence Penalty points
UT50 Aggravated taking of a vehicle 3-11


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