Driving a vehicle having failed to notify a disability (LC40) could result in you getting points on your license. Some people are not aware that if they develop a disability that they must notify their insurers.
With a LC40 endorsement on your license, you need specialist insurance. Having points on your license for any reason will cause your insurance to be more expensive. Insurers consider you an increased risk and will up premiums accordingly.
A LC40 endorsement is applied when you are caught driving a vehicle having failed to notify a disability. If you suffer an event that leads you registered disabled, it is vital that you inform your insurers.
If convicted, your LC40 endorsement remains on your driver’s licence for 4 years from the date of the offence. In addition, 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|
|LC40||Driving a vehicle having failed to notify a disability||3 – 6 points||4 Years from the date of the offence|
Driving without valid insurance (LC40) is sometimes 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.
Failure to disclose any conviction or changes in health 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.