An AC10 conviction code is an endorsement you will receive if you are caught after failing to stop after an accident. While the AC10 endorsement does not involve a measure of dangerous or careless driving, insurers will look unfavourably upon drivers carrying it. This is because the presence of an endorsement on a licence automatically represents an increased risk. Some car insurance companies may even refuse to issue quotes for drivers with a AC10 endorsement.
The causes of a AC10 endorsement are pretty straightforward. Any driver involved in an accident must stop and remain there for a sufficient time to enable any person who has a reasonable ground for doing so to request all required details from the driver. Any driver who does not stop after an accident will be found guilty of failing to stop after an accident and receive a AC10 endorsement.
If convicted of failing to stop after an accident, your AC10 endorsement will remain on your licence for 4 years from the date of the offence. You will also receive 5-10 points on your licence depending on the circumstances surrounding the offence. If you acquire more than 12 points on your licence within 3 years, you will also receive a driving ban.
|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|
The AC10 endorsement can last for 4 years. That could amount to 4 years of struggling to find a good rate on car insurance. A quote for car insurance from one of the more common insurers is likely to be very high. Insurers consider licences with AC10 endorsements a higher risk than drivers with a clean licence and commonly increase premiums. However, our specialist brokers are happy to help with your search by finding the best insurance policy for the best possible price.
At Keith Michaels we treat you like a person, not a policy number. We can provide a range of competitive AC10 motor insurance quotes that are tailored to your personal situation, to keep your premium as representative as possible and back on the road as soon as possible.
It is essential that you disclose any and all convictions you have when shopping for car insurance. Failure to disclose is a breach of the law and will invalidate your insurance. If you are stopped by the police, you will receive a driving ban. For more handy information for AC10 convicted drivers, click here.