It was only 150 years ago that the UK was deporting convicts to Australia!
Fortunately for all us Brits that remain here, the motor car was not invented in those days, because if it had existed then or if deportation existed now – then we’d all be sitting round the barbie eating turkey on the beach this Christmas and talking in ‘upspeak’!
The fact is that more UK citizens have been convicted of driving offences than any other. Millions of us now have criminal records through the act of driving.
As soon as you step foot in a car you put yourselves and others at risk, hence the need for car insurance to try to rectify the situation for all parties, should things go wrong…..
But when you sit your driving test and celebrate that evening with maybe a drink or two, there are not many people who consider just what they’ve exposed themselves to in terms of getting a criminal record through owning and using a car!
The list of car offences that can warrant a conviction and hence a future need for convicted driver insurance is quite staggering and ranges from the ‘fairly innocent’ SP30 for doing 31 mph or more in a 30mph zone right through to causing death through reckless driving.
Here’s the full list of possible motoring convictions, all of which you are obliged to tell your insurer about when you apply for car insurance.
AC10 Failing to stop and/or give particulars after an accident
AC20 Failing to give particulars or report accident within 24 hrs
AC30 Undefined accident offences
BA10 Driving while disqualification by order of the Court
BA20 Driving while disqualified as under age
BA30 Attempting to drive while disqualified by order of the Court
CD10 Driving without due care and attention
CD20 Driving without reasonable consideration for other road user
CD30 Driving without due care and attention or without reasonable consideration
CD40 Causing death – careless driving when unfit through drink
CD50 Causing death – careless driving when unfit through drugs
CD60 Causing death – careless driving with alcohol level above limit
CD70 Causing death – careless driving – failing to supply specimen
CU10 Using a vehicle with defective brakes
CU20 Using a vehicle with parts or accessories in dangerous condition
CU30 Using a vehicle with defective tyres
CU40 Using a vehicle with defective steering
CU50 Causing or likely to danger by reason of load or passengers
CU60 Undefined failure to comply with Construction and Use Regulations
DD10 Driving in a dangerous manner
DD20 Driving at a dangerous speed
DD30 Reckless driving
DD40 Dangerous driving
DD50 Causing death by dangerous driving
DD60 Manslaughter or culpable homicide while driving a vehicle
DD70 Causing death by reckless driving
DD80 Causing death by dangerous driving
DR10 Driving or attempting to drive with alcohol above limit
DR20 Driving or attempting to drive while unfit through drink/drugs
DR30 Driving or attempting to drive/refusing or failing to supply specimen
DR40 In charge of vehicle while alcohol level above limit
DR50 In charge of vehicle while unfit through drink or drugs
DR60 Failure to provide specimen for analysis other than driving
DR70 Failure to provide specimen for breath test
DR80 Failure or attempting to drive when unfit through drugs
DR90 In charge of a vehicle when unfit through drugs
IN10 Using a vehicle uninsured against third party risks
LC10 Driving without a licence
LC20 Driving while under age. Driving other than in accordance
LC30 Driving after making a false declaration about fitness
LC40 Driving a vehicle having failed to notify a disability
LC50 Driving after a licence has been revoked or refused medical
MS10 Leaving a vehicle in a dangerous position
MS20 Unlawful pillion riding
MS30 Play street Offences
MS40 Driving with uncorrected defective eyesight or refusing test
MS50 Motor racing on the highway
MS60 Offences not covered by other codes
MS70 Driving with uncorrected defective eyesight
MS80 Refusing to submit to an eyesight test
MS90 Failure to give information as to identity of driver etc.
NE99 Non-endorsable criminal Act
MW10 Contravention of Special Roads Regulations
PC10 Undefined Contravention of a Pedestrian Crossing Regulation
PC20 Contravention of Pedestrian Crossing Regulations – Moving vehicles
PC30 Contravention of Pedestrian Crossing Regulations – stationary vehicles
PL10 Driving without ‘L’ plates
PL20 Not accompanied by a qualified person
PL30 Carrying a person not qualified
PL40 Drawing an unauthorised trailer
PL50 Undefined failure to comply with conditions of Provisional
S 19 Disqualification (“totting – up” procedure)
S 35 Disqualification (“totting-up” procedure)
SP10 Exceeding goods vehicle speed limits
SP20 Exceeding speed limit for type of vehicle
SP30 Exceeding statutory speed limit on a public road
SP40 Exceeding passenger vehicle speed limit
SP50 Exceeding speed limit on a motorway
SP60 Undefined speed limit offence
TS10 Failing to comply with traffic light signals
TS20 Failing to comply with double white lines
TS30 Failing to comply with a ‘Stop’ sign
TS40 Failing to comply with direction of a constable or warden
TS50 Failing to comply with traffic sign
TS60 Failing to comply with a school crossing patrol sign
TS70 Undefined failure to comply with a traffic direction or sign
TT99 To signify disqualification under “totting-up” procedure
UT10 Taking and driving away without consent or attempt thereat
UT20 Stealing or attempting to steal a vehicle
UT30 Going equipped for stealing or taking a vehicle
UT40 Taking/driving/be carried in a vehicle without consent
UT50 Aggravated taking of a vehicle
XX99 To signify a disqualification under “totting-up” procedure
Aiding and Abetting Offence code as above, but with zero changed to a 2, e.g. UT10 becomes UT12
Causing or Permitting Offence code as above, but with zero changed to a 4, e.g. LC20 becomes LC24
Inciting Offence code as above, but with zero changed to a 6, e.g. DD30 becomes DD36
Wow, quite a list of offences with various penalties from a £30 statutory on the spot fine in some regions of the country through to long term imprisonment. Similarly all convictions carry various licence penalty points under the totting up system, which roughly equates to the insurance rating systems in degrees of severity and Cost!
So if like many millions of people in this country you have fallen foul of the motoring laws or any other laws, where do you go to not only find an insurance company that is prepared to take you on as a risk, but also how are you going to get covered without being charged excessive premiums?
To find the best convicted driver insurance it’s necessary to talk to a specialist who has access to a range of schemes that have been particularly designed to be competitive and cover most convicted drivers. An insurance broker who specialises in convicted driver cover will be able to advise you on the range of convicted driver insurance products that are being offered in the market and consequently will usually be able to provide you with the most competitive deal for your particular circumstances.
Does cheap convicted driver insurance exist?
Well that is relative to the individuals income and nature of the seriousness of the offence!
Give us a call now on 0800 089 0182 to compare specialist convicted driver insurance quotes and talk to a specialist car insurance broker about various money saving insurance schemes!