MR49 Car Insurance

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92% of our customers get a cheaper quote over the phone

92% of our customers get a cheaper quote over the phone


Receiving a MR49 penalty can be life changing and when it comes to getting back on the road, things can become difficult and costly. Here at Keith Michaels, we provide advice on making all the right decisions on getting the best insurance deal.

How You Got A MR49 Conviction Code

If you receive a MR49 endorsement, you would have been caught driving while disqualified. This is a criminal offence and will result in a 4-year driving ban from the date of conviction.

Driving Licence Conviction Code Motoring Offence Penalty Points Duration Conviction Stays on your Licence
MR49 Driving a vehicle while disqualified n/a 4 years

MR49 Penalty

If you’re caught driving a vehicle whilst disqualified, you will receive a MR49 endorsement. This penalty will stay on your licence for four years from the date of the conviction, this will make it extremely difficult to get reasonable priced insurance after your driving ban and you will need specialist cat insurance to get a reasonable rate.

Click here to view all motor conviction codes

MR49 Specialist Car Insurance

There are many reasons you may have received a ban from driving. At Keith Michaels, we have specific policies in place to provide competitive banned driver insurance. Specialist insurance companies are available to provide the right cover, but they tend to only deal with brokers like ourselves who are skilled in assessing each individual risk. Keith Michaels has 30 years’ experience arranging cover for banned and disqualified drivers – including those convicted of driving a vehicle whilst disqualified without insurance.