Convicted Driver Insurance
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A driving licence endorsement is classed as a conviction. The rehabilitation period for driving licence endorsements is a period of five years, after which they will be classed as 'spent'. You must declare all 'unspent' convictions to insurers when required to do so. More information can be found here.

Convicted Driver Insurance

If you are a convicted driver that has been convicted of a motoring offence, a criminal offence, have penalty points on your driving licence or a poor claims history then the price you pay for your motor insurance will no doubt rise considerably.

Some insurance companies simply refuse to insure people with driving convictions such as drink driving, while other insurance companies charge prices for convicted driver insurance that make it virtually impossible to purchase affordable insurance cover.

If you are a convicted driver and have penalty points, driving licence endorsements, criminal convictions or have served a driving ban you don't necessarily have to pay extortionate prices for your motor insurance! Shop around an compare convicted driver quotes today!

What may be the cheapest policy with a certain insurance company for one person, may not be the cheapest policy for another person with the same insurance company. Many factors go towards calculating the cost of convicted drivers insurance policies and each insurance company will have their own way of calculating prices based on geographical location amongst many other factors.

Van Insurance for Convicted Drivers

3rd Party Liability Insurance Requirement

Everybody who uses a motor vehicle on the roads or any other public place is required to hold at least 3rd party liability insurance.

s143 of The Road Traffic Act 1988 [1] states:

(1)Subject to the provisions of this Part of this Act—

(a)a person must not use a motor vehicle on a road [or other public place] unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act, and

(b)a person must not cause or permit any other person to use a motor vehicle on a road [or other public place] unless there is in force in relation to the use of the vehicle by that other person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act.

(2)If a person acts in contravention of subsection (1) above he is guilty of an offence [of driving with no insurance].

Driving Licence Endorsement / Conviction Codes

There are many driving convictions that can go towards increasing the price a person must pay for their motor car insurance. Drink driving, driving whilst banned, driving a vehicle with no insurance and speeding are common convicted driver offences. For more driving convictions and driving offences.

If a driver has been convicted of a driving offence and has received endorsements on their drivers licence, the endorsements will remain on their driving licence for a minimum period of time depending on the driving offence. See below for a list of driving offences and driving licence endorsement codes.

CODE DESCRIPTION PENALTY POINTS
Accident Offences (remain on driving licence 4 years from date of offence)
AC10 Failing to stop and/or give particulars after an accident 5 - 10 points
AC20 Failing to give particulars or report accident within 24 hrs 5 - 10 points
AC30 Undefined accident offences 4 - 9 points
Disqualified Driver (remain on driving licence 4 years from date of offence)
BA10 Driving while disqualified by order of the court 6 points
BA30 Attempting to drive while disqualified by order of court 6 points
Careless Driving (remain on driving licence 4 years from date of offence)
CD10 Driving without due care and attention 3 - 9 points
CD20 Driving without reasonable consideration for other road users 3 - 9 points
CD30 Driving without due care and attention or without reasonable consideration for other road users 3 - 9 points
Careless Driving ([CD40 - 70] remain on driving licence 11 years from date of conviction)
CD40 Causing death through careless driving when unfit through drink 3 - 11 points
CD50 Causing death by careless driving when unfit through drugs 3 - 11 points
CD60 Causing death by careless driving with alcohol level above the limit 3 - 11 points
CD70 Causing death by careless driving then failing to supply a specimen for analysis 3 - 11 points
Careless Driving ([CD80 - 90] remain on driving licence 4 years from date of conviction)
CD80 Causing death by careless, or inconsiderate driving 3 - 11 points
CD90 Causing death by driving: unlicensed, disqualified or uninsured drivers 3 - 11 points
Construction & Use Offences (remain on driving licence 4 years from date of offence)
CU10 Using a vehicle with defective brakes 3 points
CU20 Causing 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 condition 3 points
CU30 Using a vehicle with defective tyre(s) 3 points
CU40 Using a vehicle with defective steering 3 points
CU50 Causing or likely to cause danger by reason of load or passengers 3 points
CU80 Using a mobile phone while driving a motor vehicle 3 points
Reckless/Dangerous Driving (remain on driving licence 4 years from date of conviction)
DD10 Causing serious injury by dangerous driving 3 - 11 points
DD40 Dangerous driving 3 - 11 points
DD60 Manslaughter or culpable homicide while driving a vehicle 3 - 11 points
DD80 Causing death by dangerous driving 3 - 11 points
DD90 Furious driving 3 - 9 points
Drink or Drug Offences (remain on driving licence 11 years from date of conviction)
DR10 Driving or attempting to drive with alcohol level above limit 3 - 11 points
DR20 Driving or attempting to drive while unfit through drink 3 - 11 points
DR30 Driving or attempting to drive then failing to supply a specimen for analysis 3 - 11 points
DR31 Driving or attempting to drive then refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity 3 - 11 points
Drink or Drug Offences ([DR40-70 remain on driving licence 4 years from date of offence)
DR40 In charge of a vehicle while alcohol level above limit 10 points
DR50 In charge of a vehicle while unfit through drink 10 points
DR60 Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive 10 points
DR61 Refusing 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 drive 10 points
DR70 Failing to co-operate with a preliminary roadside test 4 points
Drink or Drug Offences ([DR80] remain on driving licence 11 years from date of conviction)
DR80 Driving or attempting to drive when unfit through drugs 3 - 11 points
Drink or Drug Offences ([DR90] remain on driving licence 4 years from date of offence)
DR90 In charge of a vehicle when unfit through drugs 10 points
Insurance Offences (remain on driving licence 4 years from date of offence)
IN10 Using a vehicle uninsured against third party risks 6 - 8 points
Driving Licence Offences (remain on driving licence 4 years from date of offence)
LC20 Driving otherwise than in accordance with a licence 3 - 6 points
LC30 Driving after making a false declaration about fitness when applying for a licence 3 - 6 points
LC40 Driving a vehicle having failed to notify a disability 3 - 6 points
LC50 Driving after a licence has been revoked or refused on medical grounds 3 - 6 points
Miscellaneous Offences (remain on driving licence 4 years from date of offence)
MS10 Leaving a vehicle in a dangerous position 3 points
MS20 Unlawful pillion riding 3 points
MS30 Play street offences 2 points
MS50 Motor racing on the highway 3 - 11 points
MS60 Offences not covered by other codes 3 points
MS70 Driving with uncorrected defective eyesight 3 points
MS80 Refusing to submit to an eyesight test 3 points
MS90 Failure to give information as to identity of driver etc. 6 points
Motorway Offences (remain on driving licence 4 years from date of offence)
MW10 Contravention of special roads regulations (excluding speed limits) 3 points
Pedestrian Crossing Offences (remain on driving licence 4 years from date of offence)
PC10 Undefined contravention of pedestrian crossing regulations 3 points
PC20 Contravention of pedestrian crossing regulations with moving vehicle 3 points
PC30 Contravention of pedestrian crossing regulations with stationary vehicle 3 points
Speeding Offences (remain on driving licence 4 years from date of offence)
SP10 Exceeding goods vehicle speed limits 3 - 6 points
SP20 Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles) 3 - 6 points
SP30 Exceeding statutory speed limit on a public road 3 - 6 points
SP40 Exceeding passenger vehicle speed limit 3 - 6 points
SP50 Exceeding speed limit on a motorway 3 - 6 points
Traffic Direction & Signs (remain on driving licence 4 years from date of offence)
TS10 Failing to comply with traffic light signals 3 points
TS20 Failing to comply with double white lines 3 points
TS30 Failing to comply with 'Stop' sign 3 points
TS40 Failing to comply with direction of a constable/warden 3 points
TS50 Failing to comply with traffic sign (excluding  'stop' signs, traffic lights or double white lines) 3 points
TS60 Failing to comply with a school crossing patrol sign 3 points
TS70 Undefined failure to comply with a traffic direction sign 3 points
Theft of vehicle (remain on driving licence 4 years from date of offence)
UT50 Aggravated taking of a vehicle 3 - 11 points

Aiding, abetting, counselling or procuring offences

Upon conviction of aiding, abetting, counselling or procuring any of the above offences the endorsement code will be similar to the relevant endorsement code of the offence committed but with the number 0 of the endorsement code substituted by the number 2, e.g. IN10 (using a vehicle uninsured against third party risks) becomes IN12 if you have helped a person commit this offence.

Causing or permitting offences

Upon conviction of causing or permitting any of the above offences the endorsement code will be similar to the relevant endorsement code of the offence committed but with the number 0 of the endorsement code substituted by the number 4, e.g. IN10 (using a vehicle uninsured against third party risks) becomes IN14 if you have caused or permitted a person commit this offence.

Inciting offences

Upon conviction of inciting any of the above offences the endorsement code will be similar to the relevant endorsement code of the offence committed but with the number 0 of the endorsement code substituted by the number 6, e.g. IN10 (using a vehicle uninsured against third party risks) becomes IN16 if you have incited a person commit this offence.

Totting up Ban (remain on driving licence 4 years from date of conviction)
TT99 To signify a disqualification under 'totting-up' procedure. If the total of penalty points reaches 12 or more within three years, the driver is liable to be disqualified Disqualification or additional points for relevant offence
Mutual Recognition Conviction Codes (remains on driving licence 4 years from date of conviction)
Mutual Recognition (MR) codes are endorsed onto a UK driving licence if a driver is disqualified while driving in Northern Ireland, Isle of Man or the Republic of Ireland. Any disqualification imposed will also be valid in the UK.
MR09 Reckless or dangerous driving (whether or not resulting in death, injury or serious risk)
MR19 Wilful failure to carry out the obligation placed on driver after being involved in a road traffic accident (hit or run)
MR29 Driving a vehicle while under the influence of alcohol or other substance affecting or diminishing the mental and physical abilities of the driver
MR39 Driving a vehicle faster than the permitted speed
MR49 Driving a vehicle whilst disqualified
MR59 Other conduct constituting an offence for which a driving disqualification has been imposed by the State of Offence

Useful links:

FSA - Financial Services Authority - The Financial Services Authority regulates the financial services industry in the UK, including motor insurance companies.

Motor Insurers' Bureau - The MIB provides compensation to people who are unable to pursue a valid claim against another driver following a road traffic accident because the other party is either a) not insured b) not known/traceable or c) was insured by an insurance company who is now in liquidation.

Financial Ombudsman - The financial ombudsman were set up by Parliament in order to help settle any complaints or disputes between consumers and businesses that provide financial services (insurance companies) free of charge.

Cheap Car Insurance - Compare insurance quotes for cars and all types of vehicle, commercial, private and leisure.

Reference:

[1] The Road Traffic Act 1988

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