Car Insurance with a Bad Driving Record

How will points or convictions impact my insurance?

Like anyone else, the first thing insurance providers will take into consideration when you’re applying for car insurance is:

• your age
• your occupation
• your insurance claims history
• the type of vehicle you drive
• where you store your vehicle at night
• if your vehicle is fitted with an alarm or immobiliser

Insurance companies will also take into account any criminal convictions and driving convictions too, and this can sometimes impact on your car insurance premium. Compare the market with over 100 insurance providers to help you find the best priced policy to suit your needs. We’ll do all the leg work for you and provide you with a range of policy options to choose from.

But before you do that let’s take a closer look at the various convictions and penalty points associated with them. This might help you when trying to complete a quote with us. 

Endorsement codes and penalty points

You can find out more about the exact codes here , where you can work out the endorsement code (which will stick to your driving record) and the fixed penalty points you can get, these are on a scale of 1 to 11 and the more serious offence the more points you’ll receive. But you can find an overview below.

Offence codes and penalty points stay on your driving record for four to 11 years depending on the offence.

If you’ve experienced any of the following convictions, it’s possible your car insurance quote might be higher.

Accident offences

These codes 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. While codes CD80 and CD90 are 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/dangerous driving

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 limits

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.