How driving convictions impact car insurance

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How do motoring conviction codes affect your car insurance?

If you break the law while driving – such as by speeding or driving dangerously – and you’re caught, the police will issue you with a driving conviction.

You will need to tell your car insurer about the conviction, and it will also need to be listed when you come to apply for a new policy. The conviction will then be taken into account when the insurer decides how much you will pay for your car insurance premium.

Insurers will deem you as a higher risk driver if you have a motoring conviction. This means they will see you as more likely to have an accident or to get another conviction, and the price you pay for insurance will be higher because of this.

The impact on your car insurance will depend on what kind of driving conviction you have been given. If it is for a serious incident, such as drink driving for example, this could push your car insurance price up more than if the conviction is for a less-severe offence, such as a speeding ticket.

The cost of your car insurance depends on a range of different factors, including motoring convictions. These factors include your age, your vehicle, your postcode and your profession. This is why younger drivers typically pay the highest costs for car insurance as they are seen as the most likely to have an accident.

Driving licence points and endorsements

When you receive a driving conviction, or endorsement as it is also known, you will be given a number of penalty points which range from 1 to 11.

The more severe the offence, the more points you will receive. These stay on your driving licence for a number of years, depending on the type of conviction. This can be from 4 to 11 years depending on the offence.

In some cases, the penalty of the conviction could be having your driving licence taken away and you being disqualified from driving.

Past driving convictions

As well as telling your current insurer about any convictions you receive while driving, you also need to tell it about any previous convictions you have received.

Each insurer has its own rules on this but typically will ask for details of any convictions received in the past five years.

If you fail to tell your insurer about this, and then need to make a claim on your policy, you could have you insurance invalidated and the insurer may refuse to pay out.

If this happens an insurer can also make a note of the offence in your records and this will be seen by future insurers, making it really hard to find insurance at an affordable price, if at all.

The most common driving offences

There are lots of different types of driving convictions; here we list the most common with the number of penalty points you could receive for each. For an extensive list of convictions and points see the government website.

Speeding offences

These penalty points remain on your licence for four years from the date of the offence.

CodeOffenceNumber of penalty points
SP10Exceeding goods vehicle speed limits3 to 6
SP20Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)3 to 6
SP30Exceeding statutory speed limit on a public road3 to 6
SP40Exceeding passenger vehicle speed limit3 to 6
SP50Exceeding speed limit on a motorway3 to 6

Careless driving offences

Penalty codes ‘CD10 to CD30’ and ‘CD80 and CD90’ will stay on a driving record for four years from the date of the offence. Codes CD40 to CD70 will remain on a driving record for 11 years.

CodeOffenceNumber of penalty points
CD10Driving without due care and attention3 to 9
CD20Driving without reasonable consideration for other road users3 to 9
CD30Driving without due care and attention or without reasonable consideration for other road users3 to 9
CD40Causing death through careless driving when unfit through drink3 to 11
CD50Causing death by careless driving when unfit through drugs3 to 11
CD60Causing death by careless driving with alcohol level above the limit3 to 11
CD70Causing death by careless driving then failing to supply a specimen for alcohol analysis3 to 11
CD80Causing death by careless, or inconsiderate, driving3 to 11
CD90Causing death by driving: unlicensed, disqualified or uninsured drivers3 to 11

Construction and use offences

These codes must stay on a driving record for four years from the date of the offence.

CodeOffenceNumber of penalty points
CU10Using a vehicle with defective brakes3
CU20Causing or likely to cause danger by reason of use of unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, steering or tyres) in a dangerous condition3
CU30Using a vehicle with defective tyre(s)3
CU40Using a vehicle with defective steering3
CU50Causing or likely to cause danger by reason of load or passengers3
CU60Breach of requirements as to control of the vehicle, such as using a mobile phone3 to 6

Traffic direction and signs

These codes remain on a driving record for four years from the date of the offence.

CodeOffenceNumber of penalty points
TS10Failing to comply with traffic light signals3
TS20Failing to comply with double white lines3
TS30Failing to comply with “stop” sign3
TS40Failing to comply with direction of a constable/warden3
TS50Failing to comply with traffic sign (excluding “stop” signs, traffic lights or double white lines)3
TS60Failing to comply with a school crossing patrol sign3
TS70Undefined failure to comply with a traffic direction sign3

Drinking offences

Codes DR10 to DR61 must stay on a driving record for 11 years from the date of the conviction. They are some of the most serious offences listed and can also result in immediate driving bans.

Codes DR40 to DR70 must stay on a driving record for four years from the date of the offence or four years from the date of conviction where a disqualification is imposed.

CodeOffenceNumber of penalty points
DR10Driving or attempting to drive with alcohol level above limit3 to 11
DR20Driving or attempting to drive while unfit through drink3 to 11
DR30Driving or attempting to drive then failing to supply a specimen for analysis3 to 11
DR31Driving or attempting to drive then refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity3 to 11
DR61Refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity in circumstances other than driving or attempting to drive10
DR40In charge of a vehicle while alcohol level above limit10
DR50In charge of a vehicle while unfit through drink10
DR60Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive10
DR70Failing to provide specimen for breath test4

Disqualified driver offences

Codes BA10 and BA30 must stay on a driving record for four years from the date of the offence. Codes BA40 and BA60 must stay on a driving record for four years from the date of the conviction.

CodeOffenceNumber of penalty points
BA10Driving while disqualified by order of court6
BA30Attempting to drive while disqualified by order of court6
BA40Causing death by driving while disqualified3 to 11
BA60Causing serious injury by driving while disqualified3 to 11

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