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You will receive an AC20 endorsement on your driver’s licence if you have been involved in an accident and fail to give the particulars or report that accident within 24 hours. Being convicted of this Accident Offence will make it difficult to find competitive car insurance. Licences carrying this endorsement usually represent an increased risk in the eyes of insurance companies. Some car insurance companies may even refuse to issue quotes for drivers with a AC20 endorsement.

How You Got An AC20 Conviction Code

An AC20 endorsement is commonly accompanied by an AC10 endorsement.  Any driver involved in an accident must stop and give their details. If they leave the scene and then fail to submit the particulars or report the accident within 24 hours and are caught, you will receive an AC20 endorsement. Any driver who does not stop after an accident will be found guilty of failing to stop after an accident and receive a AC20 endorsement.

Penalties For Failing To Report The Particulars Of An Accident

If convicted, your AC20 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.

Accident Offences

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

Click here to view all motor conviction codes

AC20 Car Insurance

4 years of struggling to find a good rate on car insurance is a serious chore. Thanks to the AC20 endorsement, a quote for car insurance from one of the more common insurers is likely to be very high. Insurers consider licences with AC20 endorsements a higher risk than drivers with a clean licence and commonly increase premiums respectively. 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 know you’re a person, not a policy number. We can provide a range of car 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 AC20 convicted drivers, click here.

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