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Convicted Driver Car Insurance

Convicted Driver Car Insurance

Driving Licence Conviction Codes

There are a number of driving convictions that drivers can be charged for. Each conviction has its own endorsement code that remains on your licence for a period of time. How long the conviction remains on your licence depends on a number of factors. A number of motoring offence can result in drivers being disqualified from driving.

Most conviction codes remain on your driving licence for four years from the date of the offence. According to the Rehabilitation of Offenders Act 1974, convictions are “spent” after 5 years, which don’t require you to disclose them to your insurance provider after that time.

Below is a list of motoring conviction complete with the driving licence conviction codes and the amount of penalty points you could receive for each offence. Along with this is also the duration these conviction endorsements remain on your driving licence for.

How long do penalty points stay on your licence?

Most points stay on your licence for four years from the date of the offence. But, this does depend on the conviction. Some only count for the first three years, while others can stay on your licence for up to 11 years. Usually this is in the case of serious offences, such as death by dangerous driving.

Accident Offences

Accident (AC) Offences are conviction codes that relate to offences involving traffic accidents. These include failing to stop after an accident, failing to report a road accident etc. If you are involved in a road accident, you are legally required to report it. Failure to do so within 24 hours could result on up to 10 points on your licence. Find out more about accident offences here.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
AC10 Failing to stop after an accident 5 – 10 points 4 Years from the date of the offence
AC20 Failing to give particulars or report an accident within 24 hours 5 – 10 points 4 Years from the date of the offence
AC30 Undefined accident offences 4 – 9 points 4 Years from the date of the offence

Disqualified Driver

Disqualified Driver (BA) convictions apply to drivers caught driving while already disqualified by the court. If you are a disqualified driver, find out more about these convictions below.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
BA10 Driving whilst disqualified by order of court 6 points 4 Years from the date of the offence
BA30 Attempting to drive whilst disqualified by order of court 6 points 4 Years from the date of the offence

Careless Driving

Careless Driving (CD) convictions apply to a range of careless driving offences from driving without due care and attention, all the way up to causing death by careless or inconsiderate driving. You drive carelessly when the standard of your driving is lower than that of a reasonable, prudent and competent driver. Convictions of this nature have the potential to levy the highest number of points on your licence, depending on the severity of your circumstances. Learn more about the variety of careless driving convictions here.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
CD10 Driving without due care and attention 3 – 9 points 4 Years from the date of the offence
CD20 Driving without reasonable consideration for other road users 3 – 9 points 4 Years from the date of the offence
CD30 Driving without due care and attention or without reasonable consideration for other road users 3 – 9 points 4 Years from the date of the offence
CD40 Causing death through careless driving while unfit through drink 3 – 11 points 11 Years from the date of the conviction
CD50 Causing death through careless driving while unfit through drugs 3 – 11 points 11 Years from the date of the conviction
CD60 Causing death through careless driving with alcohol level above the limit 3 – 11 points 11 Years from the date of the conviction
CD70 Causing death through careless driving while failing to supply a specimen for analysis 3 – 11 points 11 Years from the date of the conviction
CD80 Causing death by careless or inconsiderate driving 3 – 11 points 4 years from the date of the conviction
CD90 Causing death by driving: unlicensed, disqualified or uninsured drivers. 3 – 11 points 4 years from the date of the conviction

Construction and Use Offences

Construction and Use (CU) offences are convictions that relate to the use or condition of your vehicle. This includes offences such as defective tyres and steering, as well as using a mobile phone while driving (CU80) and overloading a vehicle with too many passengers. Besides maintaining due care and attention while driving, regular MOTs and servicing will ensure that your vehicle is kept in proper working condition.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
CU10 Using a vehicle with defective brakes 3 points 4 Years from the date of the offence
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 points 4 Years from the date of the offence
CU30 Using a vehicle with defective tyre(s) 3 points 4 Years from the date of the offence
CU40 Using a vehicle with defective steering 3 points 4 Years from the date of the offence
CU50 Causing or likely to cause danger by reason of load of passengers 3 points 4 Years from the date of the offence
CU80 Using a mobile phone whilst driving a motor vehicle 3 points 4 Years from the date of the offence

Reckless / Dangerous Driving

Reckless/Dangerous Driving (DD) convictions are more sever than careless driving convictions. You are considered driving dangerously when you have fallen far below the standard that could be expect of a competent driver, and were considered obviously dangerous to competent and careful drivers. Dangerous means there was a danger of physical injury (however minor) or serious damage to property. It does not have to be proved that anyone was actually injured, that damage actually took place or that anyone felt in danger.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
DD10 Causing serious injury by dangerous driving 3 – 11 points 4 Years from the date of the conviction
DD40 Dangerous driving 3 – 11 points 4 Years from the date of the conviction
DD60 Manslaughter or culpable homicide while driving a vehicle 3 – 11 points 4 Years from the date of the conviction
DD80 Causing death by dangerous driving 3 – 11 points 4 Years from the date of the conviction
DD90 Furious driving 3 – 11 points 4 Years from the date of the conviction

Drug Offences

Drug (DG) offences relate to the use or responsibility of a vehicle while under the effects of drugs. The most serious offences in this category of convictions last on your licence for 11 years, with a maximum of 11 points available.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
DG10 Driving or attempting to drive with drug level above the specified limit 3 – 11 points 11 Years from the date of the offence
DG40 In charge of a vehicle while drug level above specified limit 10 points 4 Years from the date of the offence
DG60 Causing death by careless driving with drug level above the limit 3 – 11 points 11 Years from the date of the offence
DG80 Driving or attempting to drive when unfit through drugs 3 – 11 points 11 Years from the date of the offence

Drink or Drugs

Motor offences that are categorised as drink or drug (DD) related are often the result of innocent mistakes. Unfortunately, drivers with drink driving endorsements on their licence are faced with insurance premiums that are significantly higher than drivers with clean licences. We offer special drink driver car insurance policies so you can save up to 50% on your insurance premium.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
DR10 Driving or attempting to drive with alcohol level above limit 3 – 11 points 11 Years from the date of the conviction
DR20 Driving or attempting to drive while unfit through drink 3 – 11 points 11 Years from the date of the conviction
DR30 Driving or attempting to drive then failing to supply a specimen for analysis 3 – 11 points 11 Years from the date of the conviction
DR31 Driving or attempting to drive then refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity 3 – 11 points 11 Years from the date of the conviction
DR61 Refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity in circumstances other than driving or attempting to drive 10 points 11 Years from the date of the conviction
Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
DR40 In charge of a vehicle while alcohol level above limit 10 points 4 Years from the date of the offence
In charge of a vehicle while unfit through drink 10 points 4 Years from the date of the offence
Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive 10 points 4 Years from the date of the offence
Failing to provide specimen for breath test 4 points 4 Years from the date of the offence
Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
DR80 Driving or attempting to drive when unfit through drugs 3 – 11 points 11 Years from the date of the conviction
Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
DR90 In charge of a vehicle when unfit through drugs 10 points 4 Years from the date of the offence

 

To find out more about drink driving convictions in the UK take a look at our guide to drink driving penalties.

 

Insurance Offences

Driving without valid insurance (IN10) is often the result of an innocent mistake and is often not intentional. This is commonly because a driver missed a payment or because they unknowingly had the wrong policy. Find out more about a driving without insurance endorsement on your driver’s licence and what it means for you.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
IN10 Using a vehicle uninsured against third party risks 6 – 8 points 4 Years from the date of the offence

Licence Offences

Licence (LC) convictions apply to offences that involve misuse or deception of a driving licence. Licence offences include driving a vehicle after making false fitness claims during your licence application, or otherwise driving in a way not in accordance with your licence.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
LC20 Driving otherwise than in accordance with a licence 3 – 6 points 4 Years from the date of the offence
LC30 Driving after making a false declaration about fitness when applying for a licence 3 – 6 points 4 Years from the date of the offence
LC40 Driving a vehicle having failed to notify a disability 3 – 6 points 4 Years from the date of the offence
LC50 Driving after a licence has been revoked or refused on medical grounds 3 – 6 points 4 Years from the date of the offence

Miscellaneous Offences

Miscellaneous (MS) offences apply to a wide range of convictions that aren’t easily categorised.  Miscellaneous offences include driving with defective eyesight (MS70), motor racing on the highway (MS50) and a variety of other obscure offences. Find out more about MS conviction codes here.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
MS10 Leaving a vehicle in a dangerous position 3 points 4 Years from the date of the offence
MS20 Unlawful pillion riding 3 points 4 Years from the date of the offence
MS30 Play street offences 2 points 4 Years from the date of the offence
MS50 Motor racing on the highway 3 – 11 points 4 Years from the date of the offence
MS60 Offences not covered by other codes (including offences relating to breach of requirements as to control of vehicle) 3 points 4 Years from the date of the offence
MS70 Driving with uncorrected defective eyesight 3 points 4 Years from the date of the offence
MS80 Refusing to submit to an eyesight test 3 points 4 Years from the date of the offence
MS90 Failure to give information as to identity of driver etc 6 points 4 Years from the date of the offence

Motorway Offences

Code MW10 must stay on a driving record for 4 years from the date of the offence. This conviction relates to drivers failing to drive in accordance with special road regulations, such as roadworks and motorway rules.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
MW10 Contravention of special roads regulations (excluding speed limits) 3 points 4 Years from the date of the offence

Pedestrian Crossings

Pedestrian crossing (PC) convictions refer to offences involving drivers and pedestrian crossings. Contravention of crossing regulations usually refers to running a red light or parking across a zebra crossing. Find out more about pedestrian crossing offences below:

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
PC10 Undefined contravention of pedestrian crossing regulations 3 points 4 Years from the date of the offence
PC20 Contravention of pedestrian crossing regulations with moving vehicle 3 points 4 Years from the date of the offence
PC30 Contravention of pedestrian crossing regulations with stationary vehicle 3 points 4 Years from the date of the offence

Speed Limits

Speeding convictions are often the result of a little transgression and not usually an intentional offence. Having a speeding conviction will make it harder to find affordable car insurance. A specialist speeding driver car insurance provider can help you arrange the best policy.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
SP10 Exceeding goods vehicle speed limits 3 – 6 points 4 Years from the date of the offence
SP20 Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles) 3 – 6 points 4 Years from the date of the offence
SP30 Exceeding statutory speed limit on a public road 3 – 6 points 4 Years from the date of the offence
SP40 Exceeding passenger vehicle speed limit 3 – 6 points 4 Years from the date of the offence
SP50 Exceeding speed limit on a motorway 3 – 6 points 4 Years from the date of the offence

Traffic Direction and Signs

Failure to comply with traffic signals will result in a traffic direction and sign (TS) conviction. The variety of convictions vary depending on which traffic sign you have failed to comply with. TS convictions include Stop sign offences, double white line offences and failure to comply with the direction of a constable/warden. These offences result in 3 points being added to your licence.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
TS10 Failing to comply with traffic light signals 3 points 4 Years from the date of the offence
TS20 Failing to comply with double white lines 3 points 4 Years from the date of the offence
TS30 Failing to comply with ‘stop’ sign 3 points 4 Years from the date of the offence
TS40 Failing to comply with direction of a constable/warden 3 points 4 Years from the date of the offence
TS50 Failing to comply with traffic sign (excluding ‘stop’ signs, traffic lights or double white lines) 3 points 4 Years from the date of the offence
TS60 Failing to comply with a school crossing patrol sign 3 points 4 Years from the date of the offence
TS70 Undefined failure to comply with a traffic direction sign 3 points 4 Years from the date of the offence

Special Code – Totting Up

Have you just finished a 3 year ban from ‘totting up’ points on your licence and are now eager to get back on the roads? Because of the repeat motoring offences, It may be difficult to find an insurance provider who will give you a quote. As a specialist insurance broker, we have totting up insurance schemes to help you find affordable policies.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
TT99 It shows disqualification under ‘totting-up’ – if the total of penalty points reaches 12 or more within 3 years, the driver can be disqualified Disqualification Possible 4 Years from the date of the Conviction

Theft or Unauthorised Taking

Aggravated taking of a vehicle results in a UT50 conviction, as well as any other criminal convictions that might apply. UT50 convictions offer 3-11 points on your licence. Find out more below:

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
UT50 Aggravated taking of a vehicle 3 – 11 points 4 years from the date of the offence

Drivers with endorsements on their licences face a range of difficulties as a result of their convictions. We don’t think insurance should be one of them, which is why we specialise in convicted driver vehicle insurance.

You can learn about driving licence codes on our driving licence categories page.