DVLA Endorsement Code: IN10
Remains on driving licence 4 years from date of offence
Insurance for drivers convicted of an IN10 offence
- Insurance for IN10 Convicted Drivers
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- Cover for drivers previously convicted of driving without insurance
Get quotes from a panel of convicted driver insurers who offer fair rates for drivers previously convicted of an IN10 - driving without insurance offence.
IN10 Insurance Explained - Jump to Section
What is IN10?
IN10 is the code the DVLA use when endorsing a persons driving licence after being convicted of using a vehicle that is uninsured against third party risks.
143 Users of motor vehicles to be insured or secured against third-party risks.
- (1) Subject to the provisions of this Part of this Act—
- 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
- 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.
Do I need to declare an IN10 to insurers?
Yes an IN10 conviction must be declared to insurance companies for a period of five years running from the date you were convicted.
While an IN10 conviction remains of your driving licence for four years from the date the offence was committed, it must still be declared to insurance companies when purchasing insurance and obtaining insurance quotes for a period of five years from the date of conviction.
View your driving licence online to obtain dates & details of disqualifications, endorsements & penalty points.
How does an IN10 conviction affect insurance prices?
Having an IN10 conviction for driving a vehicle without insurance will result in insurance companies classing you as a higher risk to insure.
Insurance companies will see that you are not averse to taking risks while driving, if you are prepared to take the risk of driving a vehicle that is uninsured then you may take other risks while driving that could result in claims being made against any future insurance policy, claims that cost the insurance company money.
How much of an insurance price increase you will see will differ from one insurance company to the next. This makes it important for you to shop around to find the insurance coverage you need at a reasonable price that you can afford.
We work with insurance providers who aim to find you a good deal on your insurance requirements as a driver with convictions, including specialist insurers who insure drivers with convictions such as IN10.
What are the penalties for driving a vehicle uninsured?
Fixed Penalty Notice
The police can issue you with a fixed penalty notice for not having a valid insurance policy covering your vehicle against third party risks.
The fixed penalty for using a vehicle that is uninsured is a £300 fine and six penalty points. If you accept the fixed penalty then you will pay the fine and 6 penalty points will be endorsed on your driving licence. If you chose to ignore the FPN or reject the FPN then it will be passed onto the courts.
Magistrates Court
If your driving without insurance offence is heard in Magistrates court, the court have the power to impose 6 to 8 penalty points, an unlimited fine and even a a driving disqualification of between 6 to 12 months in more serious cases.
Magistrates Court Sentencing Guidelines for Driving Without Insurance
IN10 Driving without insurance FAQ's
Can I be ordered to retake my driving test for driving without insurance?
Yes, if your driving without insurance offence is heard in the Magistrates court and you receive a driving disqualification. The court has the discretion to order any person convicted of an endorsable offence to be disqualified until a driving test has been passed.
Can my vehicle be seized if I have no insurance?
Yes, the police have the power to seize a vehicle if there is no evidence that the vehicle is insured and it is or has been driven on a road or other public place.
165A Power to seize vehicles driven without licence or insurance
- (1) Subsection (5) applies if any of the following conditions is satisfied.
- ...
- (3) The second condition is that—
- a constable in uniform requires, under section 165, a person to produce evidence that a motor vehicle is not or was not being driven in contravention of section 143 [without insurance]
- the person fails to produce such evidence, and
- the constable has reasonable grounds for believing that the vehicle is or was being so driven [without insurance]
- ...
- Subsection (5) Where this subsection applies, the constable may—
- seize the vehicle in accordance with subsections (6) and (7) and remove it;
- enter, for the purpose of exercising a power falling within paragraph (a), any premises (other than a private dwelling house) on which he has reasonable grounds for believing the vehicle to be;
- use reasonable force, if necessary, in the exercise of any power conferred by paragraph (a) or (b).
Upon seizing a vehicle, a police officer must give the driver of the vehicle a seizure notice unless it is impracticable to do so. If the driver is not the owner or registered keeper of the vehicle, the police officer must take reasonable steps to give a seizure notice to the owner and registered keeper of the vehicle.
Claimg a vehicle that has been seized
The seizure notice will contain a requirement that the owner (or registered keeper) of the vehicle claims it within a specified period of time. The period of time will be not less than seven working days from the day that the seizure notice was issued.
In order for a vehicle to be released:
- The owner (or registered keeper) of the vehicle must provide proof that they are indeed the owner (or registered keeper); and
- All fees in respect to the seizure and retention of the vehicle must be paid in full; and
- The seizure notice along with a valid certificate of insurance for the vehicle and a valid driving licence must be produced
Disposal of vehicles that have been seized
If the vehicle is not claimed on or before the date given in the seizure notice, it may be disposed of. The vehicle cannot be disposed of until at least 14 days after the date on which the vehicle was seized.
If the vehicle has been sold then the net proceeds are payable to the owner (or registered keeper) of the vehicle if claimed within a year.