It is an unfortunate fact that accidents and mistakes do happen on the road. If you have been convicted of a driving offence, you can still be insured to drive. Here at Proper Finance, we are dedicated to ensuring that everyone, so long as they are legally able to drive, can find the right insurance for them.
Although some insurers will increase their premiums for persons who have one or more driving convictions, we work solely with fair insurers so that you don’t have to be charged disproportionately for any misdemeanours from the past.
Driving offences in the UK translate to penalty points on your license. The higher the number of points on your license, the greater risk you will appear to your insurer. Regardless of this, you will usually still be able to get cover as long as it is legal for you to drive your car. If you are disqualified (banned from driving) as a result of your offence, you must not drive until your disqualification period is over and you have the legal right to drive again. Only when you are legally able to drive should you think about getting insured on your vehicle.
The severity of your driving offence will also affect your ability to get insurance after being convicted. More minor offences such as a one-time speeding incident will reflect less badly on your record than a more serious offence, such as drink-driving. Under both circumstances, however, you will still be able to obtain insurance with Proper Finance.
Most insurers will ask you to declare any driving convictions from the past 5 years before agreeing to insure you.
|Conviction code||Definition||Conviction Code||Definition|
|AC10||Failing to stop and/or give particulars after an accident.||MS10||Leaving a vehicle in a dangerous position|
|AC20||Failing to give particulars or report an accident within 24HRS||MS20||Unlawful pillion riding|
|AC30||Undefined accident offences||MS30||Play street offences|
|BA10||Driving while disqualified by order of the court||MS40||Driving with uncorrected defective eyesight or refusing a test|
|BA20||Driving whilst disqualified under age||MS50||Motor racing on the highway|
|BA30||Attempting to drive while disqualified by order of the court||MS60||Offences not covered by other codes|
|CD10||Driving without due care and attention||MS70||Driving with non-corrected defective eyesight|
|CD20||Driving without reasonable consideration for other road users||MS80||Refusing to submit to an eyesight test|
|CD30||Driving without due care and attention or without reasonable consideration||MS90||Failure to give information as to identity of drivers etc.|
|CD40||Causing death – careless driving when unfit through drink||NE99||Non-endorsable criminal act|
|CD50||Causing death – when unfit through drugs||MW10||Contravention of special roads regulation|
|CD60||Causing death – careless driving with alcohol levels above limit||PC10||Undefined contravention of a pedestrian crossing regulation|
|CD70||Causing death – careless driving – failing to supply specimen||PC20||Contravention of pedestrian crossing regulations – moving vehicles|
|CU10||Using a vehicle with defective brakes||PC30||Contravention of pedestrian crossing regulations – stationary vehicles|
|CU20||Using a vehicle with parts or accessories in dangerous condition||PL10||Driving without ‘L’ plates|
|CU30||Using a vehicle with defective tyres||PL20||Not accompanied by a qualified person|
|CU40||Using a vehicle with defective steering||PL30||Carrying a person not qualified|
|CU50||Causing or likely to danger by reason of load or passengers||PL40||Drawing an authorised trailer|
|CU60||Undefined failure to comply with construction and use regulations||PL50||Undefined failure to comply with conditions of provisional|
|DD10||Driving in a dangerous manner||S19||Disqualification (totting up procedure)|
|DD20||Driving at a dangerous speed||S35||Disqualification (totting up procedure)|
|DD30||Reckless driving||SP10||Exceeding goods vehicle speed limits|
|DD40||Dangerous driving||SP20||Exceeding speed limit for type of vehicle|
|DD50||Causing death by dangerous driving||SP30||Exceeding statutory speed limit on a public road|
|DD70||Manslaughter or culpable homicide while driving a vehicle||SP40||Exceeding passenger vehicle speed limit|
|DD70||Causing death by dangerous driving||SP50||Exceeding the speed limit on a motorway|
|DR10||Driving or attempting to drive with alcohol above the limit||SP60||Undefined speed limit offence|
|DR20||Driving or attempting to drive while unfit through drink/drugs||TS10||Failing to comply with traffic light signals|
|DR30||Driving or attempting to drive/ refusing or failing to supply specimen||TS20||Failing to comply with double white lines|
|DR40||In charge of a vehicle while alcohol above the limit||TS30||Failing to comply with a STOP sign|
|DR50||In charge of a vehicle while unfit through drink or drugs||TS40||Failing to comply with a direction of a constable or warden|
|DR60||Failure to provide specimen for analysis other than driving||TS50||Failing to comply with traffic sign|
|DR70||Failure to provide specimen for breath test||TS60||Failing to comply with a school crossing patrol sign|
|DR80||Failure or attempting to drive when unfit through drugs||TS70||Undefined failure to comply with traffic direction sign|
|IN10||Using a vehicle uninsured against third party risks||TT99||To signify disqualification under ‘totting up’ procedure|
|LC10||Driving without a license||UT10||Taking and driving away without consent or attempt thereat|
|LC20||Driving while underage. Driving other than in accordance||UT20||Stealing or attempting to steal a vehicle|
|LC30||Driving after making a false declaration about fitness||UT30||Going equipped for stealing or taking a vehicle|
|LC40||Driving a vehicle having failed to notify a disability||UT40||Taking/driving/be carried in a vehicle without consent|
|LC50||Driving after a license has been revoked or refused a medical||UT50||Aggravated taking of a vehicle|
|XX99||To signify a disqualification under ‘totting up’ procedure|
The car’s registration number if you have it to hand. If not, the car make and model is fine. We’ll also need the car’s age and any modifications you’ve made
Details of your no-claims discount will help lower the price you are quoted. Use a no-claims discount tool to find out how many years’ no-claims discount your insurer will honour
Social, commuting or business, and how many miles you think you’ll do a year. You’ll also need to say where you’ll keep the car at night for security
The type of licence you have and how long you’ve held it. You can also add any additional driving qualifications you have here
Including your job, your age and your address
If you have been convicted of drink-driving, it is likely that you will have initially been banned from driving for a period of time. If you are now returning to the road after a break following a drink-driving incident, you may be looking for a new insurance policy.
Firstly, it is vital that you declare your drink-driving conviction to your insurer, alongside any other prior convictions if they occurred within the past five years. Failure to disclose any convictions to your insurer could result in your insurance being invalid, resulting in any claims made against your insurance being rejected. Furthermore, your failure to disclose may stay on your record forever, driving-up your premiums indefinitely.
The penalty you receive for drink driving will ultimately depend on the decision of the magistrates who hear your case.
The minimum penalty for speeding in the UK is a £100 fine and 3 penalty points added to your licence. You must declare these points to your insurer when applying for car insurance.
If you merely have a one-off speeding incident rather than a history of speeding, you should not experience great trouble when it comes to getting insurance at a good rate.
Driving without insurance is a common motor offence, and can have serious implications. In many cases, uninsured drivers get caught driving having failed to renew now-expired insurance.
If you are caught driving without insurance and your case goes to court you could:
To avoid the penalties for driving without a license, alongside the risk of getting into trouble without insurance, get insured with Proper Finance today.
Getting great car insurance is easy with Proper Finance. Simply fill in a few of your details using our online form and you will be contacted by one of our trusted insurance partners. They will assist you every step of the way, helping you get a competitive quote for your vehicle and insured as effectively and quickly as possible.
If you wish to view the other financial services Proper Finance has to offer such as low-cost loans, please see Our Products. Alternatively, drop us an email at email@example.com and we will get back to you to help you with your request.
We work with trusted brokers to give you access to a panel of leading lenders well placed to meet your needs.