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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.

How You Got A LC20 Conviction Code

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.

Penalties For Driving Otherwise Than In Accordance With A Licence

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.

Licence Offences

Driving Licence Conviction CodeMotoring OffencePenalty PointsDuration Conviction Stays on your Licence
LC20Driving otherwise than in accordance with a licence3 – 6 points4 Years from the date of the offence

Click here to view all motor conviction codes

LC20 Car Insurance

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.