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Keith Michaels have been very good to insure with, particularly if you have had a past conviction.
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A CU10 endorsement on your driver’s licence if you are caught using a vehicle with defective brakes. If you are unfortunate enough to acquire this endorsement, you will find it difficult to get good value on your car insurance. Licences carrying this endorsement represent an increased risk in the eyes of insurance companies. Some car insurance companies may even refuse to issue quotes for drivers with a CU10 endorsement.
How You Got A CU10 Conviction Code
A CU10 endorsement is given if you are caught driving a car with defective brakes. This is most dramatically discovered after your brakes fail and you crash into something, but you can be caught in other ways. The police might even hear the tell-tale sound of worn out brakes at the lights and choose to take a further look at your car.
Penalties For Driving A Vehicle With Defective Brakes
If convicted, your CU10 endorsement will remain on your licence for 4 years from the date of the offence. You will also receive 3 points on your licence. If you acquire more than 12 points on your licence within 3 years, you will also receive a driving ban. For any offence that offers penalty points, the court has a discretionary power to order the licence holder to be disqualified, fined and imprisoned.
Construction & Use Offences
|Driving Licence Conviction Code||Motoring Offence||Penalty Points||Duration Conviction Stays on your Licence|
|CU10||Using a vehicle with defective brakes||3 points||4 Years from the date of the offence|
CU10 Motor Insurance
With a CU10 conviction, you’re looking at 4 years of struggling to find a good rate on car insurance. Any quote for car insurance you do get is likely to be high, thanks to the CU10 endorsement. Insurers consider drivers with licences carrying CU10 convictions a higher risk than drivers with a clean licence and 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 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 CU10 convicted drivers, click here.