With a LC20 endorsement on your license, you need specialist insurance. Having points on your license for any reason will increase your insurance premiums, regardless of the cause. Insurers consider you an increased risk and will up premiums accordingly.
Driving in any way that isn’t authorised by your licence (LC20) could be the result of a mistake. Some people don’t understand what they can and cannot drive, particularly when you consider rental vehicles. Find out more about a driving without insurance endorsement on your driver’s licence and what it means for you.
A LC20 endorsement is applied when you are caught driving otherwise than in accordance with a licence. This usually is a result of driving the wrong category of vehicle.
If convicted, your LC20 endorsement remains on your driver’s licence for 4 years from the date of the offence. In addition to any other punishment, you will receive 3-6 points on your license. If you acquire 12 or more points within 3 years, you will also be banned from driving.
|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|
Driving without valid insurance (LC20) is often the result of an innocent mistake. At Keith Michaels we understand this and work tirelessly to get you the best deal on your car insurance. Mistakes happen, we know this and we treat you like a person, not a policy number.
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. Plus, if you are stopped by the police, you will receive a driving ban. This will make finding insurers willing to cover you in the future extremely difficult.
For more handy information for convicted drivers, click here.