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Can I get car insurance if I have a bad driving record?

Can I get car insurance if I have a bad driving record?

Finding car insurance with a bad driving record can be challenging, but it isn’t impossible – compare insurance quotes with us and we’ll help you find the right insurance provider for you. Here’s how your driving record can affect your insurance premium.

Daniel Hutson From the Motor team
5
minute read
posted

How do endorsement codes and penalty points affect my insurance?

If you’re convicted of a motoring offence, the courts can fine you and ‘endorse’ your record with penalty points. Each endorsement has its own unique code and is allocated penalty points on a scale of one to 11 – the more serious the offence, the more points you’ll receive. Offence codes and penalty points stay on your driving record from four to 11 years, depending on the offence.

Here’s an overview of the different codes and the relevant penalty points – you can find more details online at Gov.Uk.

Accident offences
Codes AC10, AC20 and AC30 must stay on a driving record for four years from the date of the offence.

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.

Careless driving offences
Codes CD10 to CD30 must stay on a driving record for four years from the date of the offence.
Codes CD40 to CD70 must stay on a driving record for 11 years from the date of the conviction. 
Codes CD80 and CD90 must stay for four years from the date of the conviction.

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

Reckless or dangerous driving offences
These codes must stay on a driving record for four years from the date of the conviction.

Alcohol-related offences
Codes DR10 to DR30 must stay on a driving record for 11 years from the date of the conviction.
Codes DR40 to DR70 must stay on a driving record for four years from the date of the offence.

Drugs offences
Codes DG10, DG60 and DR80 must stay on a driving record for 11 years from the date of the conviction.
DG40 and DR90 must stay on a driving record for four years from the date of the offence or four years from date of conviction where a disqualification is imposed.

Insurance offences
Code IN10 must stay on a driving record for four years from the date of the offence.

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

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

Motorway offences
Code MW10 must stay on a driving record for four years from the date of the offence.

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

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

Traffic direction and sign offences
These codes must stay on a driving record for four years from the date of the offence.

Theft or unauthorised taking offences
Code UT50 must stay on a driving record for four years from the date of the offence.

If you’ve experienced any of the following convictions, it’s likely that car insurance providers will see you as a higher risk to insure and your premium will probably be higher.

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Do I need to tell my insurance provider I’ve been on a speed awareness course?

You must inform your insurance provider of any motoring conviction, and that includes a speeding offence. While a speeding awareness course is not a conviction, it’s still advisable to let your insurance provider know you’ve taken one. If your provider specifically asks you whether you’ve been on a course, you will need to tell them as omitting to do so could amount to fraud.

Some insurance providers may increase your premium as a result of you taking the course, while others might not. If you’re given a higher quote for your insurance when you come to renew it, it’s probably a good idea to shop around to find a better deal.

Let us help you find a great deal by comparing quotes from over a wide range of insurance providers. All you need to do is enter your details and information about your driving record and we’ll give you a range of policy options to choose from.