Convicted Driver Insurance

Convicted Driver Insurance

Penalty points on your driving licence, driving bans and significant fines are all possible outcomes from becoming a convicted motorist – and getting caught for a wide range of motoring offences is likely to affect your car insurance premium. Offences such as speeding or using your mobile phone while driving, which some might consider ‘minor’ infringements, are taken into serious consideration by insurers before offering insurance quotes for convicted drivers.
The temptation to avoid informing your insurance company about your motoring conviction is too much for some drivers – it is estimated that approximately 700,000 motorists may have invalid car insurance because they have not declared their endorsements to their insurance companies. The implications of this for these motorists in the event of an accident are huge and potentially life-changing – failing to disclose a material fact such as a motoring offence to your insurance company may result in your policy being cancelled and cover for any damage or personal injury claims declined.
It pays therefore to be up-front about your motoring convictions and Non-Standard Insurance can point you in the right direction towards insurance brokers who are specialists in arranging cover for convicted driver – just click the ‘Get a Quote’ button to submit your details online.
Code(s)OffenceMaximum penaltyPenalty points
DD60 DD80*Causing death by dangerous driving14 years’ imprisonment / Unlimited fine / Obligatory disqualification (minimum 2 years)3 to 11 (if exceptionally not disqualified)
DD10 DD40*Dangerous driving2 years’ imprisonment / Unlimited fine / Obligatory disqualification3 to 11 (if exceptionally not disqualified)
CD40 CD50 CD60 CD70*Causing death by careless driving under the influence of drink or drugs14 years’ imprisonment / Unlimited fine / Obligatory disqualification (minimum 2 years)3 to 11 (if exceptionally not disqualified)
CD10 CD20 CD30Careless and inconsiderate drivingUnlimited fine / Discretionary disqualification3 to 9
TT99Disqualification due to 'totting up'Unlimited fine / Discretionary disqualification
DR10 DR20 DR30 DR31 DR61 DG10 DR80Driving while unfit through drink or drugs or with excess alcohol: or failing to provide a specimen for analysis6 months’ imprisonment / Unlimited fine / Obligatory disqualification3 to 11 (if exceptionally not disqualified)
AC10 AC20 AC30Failing to stop after an accident or failing to report an accident6 months’ imprisonment / Unlimited fine / Discretionary disqualification5 to 10
BA10 BA30Driving while disqualified6 months’ imprisonment (12 months in Scotland) / Unlimited fine / Discretionary disqualification6
LC50Driving after refusal or revocation of licence on medical grounds6 months’ imprisonment / Unlimited fine / Discretionary disqualification3 to 6
IN10Driving without insuranceUnlimited fine / Discretionary disqualification6 to 8
MW10Motorway offencesMiscellaneous3
CU10 CU20 CU30 CU40 CU50Using a vehicle in a dangerous conditionLGV or PCV unlimited, other vehicles £2,500/ Obligatory disqualification if offence committed within 3 years of a previous conviction for a similar offence - 6 months min. Otherwise discretionary3 in each case
MS60Failure to have proper control of vehicle or full view of the road and traffic ahead£1,000 fine (£2,500 for PCV or goods vehicle) / Discretionary disqualification3
CU80Using a hand-held mobile phone when driving£1,000 fine (£2,500 for PCV or goods vehicle) / Discretionary disqualification6
LC20Driving otherwise than in accordance with a licence£1,000 fine / Discretionary disqualification3 to 6
SP30 SP40 SP50Speeding£1,000 fine (£2,500 for motorway offences) / Discretionary disqualification3 to 6, or 3 (fixed penalty)
UT50Theft or unauthorised taking of a vehicleMiscellaneous3 to 11
TS10 TS20 TS30 TS40 TS50 TS60 TS70 Traffic signal offences£1,000 fine / Discretionary disqualification3
PC10 PC20 PC30Pedestrian crossing offences£60 fine (fixed penalty) up to £1,000 3
No MOT certificate£1,000 fine-
Seat belt offences£500 fine-
Dangerous cycling£2,500 fine-
Careless cycling£1,000 fine-
Cycling on pavement£500 fine-
Failing to identify driver of vehicle£1,000 fine / Discretionary disqualification-
*Where a court disqualifies a person on conviction for one of these offences, it must order an extended retest. The courts also have discretion to order a retest for any other offence which carries penalty points, an extended retest where disqualification is obligatory, and an ordinary test where disqualification is not obligatory.
Furthermore, in some serious cases, the court MUST (in addition to imposing a fixed period of disqualification) order the offender to be disqualified until they pass a driving test. In other cases the court has a discretionary power to order such disqualification. The test may be an ordinary length test or an extended test according to the nature of the offence.