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To keep up to date with Insure365 and for useful information about car insurance, drink drivers insurance and other related topics make sure you keep an eye on this page. If there is something in particular you would like to see on this page, please feel free to contact us.

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What is a IN10 Conviction?

An IN10 conviction is given when you have been penalised for driving without insurance. If you’ve received an IN10 conviction on your driving licence, you’re going to be faced with more expensive car cover – on top of the points and a fine you’ve already received – as insurers hike up your premium.

If you’ve been convicted of driving without valid insurance, you’ll receive an IN10 endorsement on your licence. Because of this, you may find it difficult to get an insurance quote with a low premium. Many UK car insurance companies may even refuse to provide a quote for drivers with an IN10 conviction.

Why you got an IN10 conviction

Many people are found ‘guilty’ of driving without insurance because of innocent misunderstandings, like a missed payment on their policy or confusion as to what their policy covers.

It’s not uncommon for people charged with driving without insurance to simply have the wrong type of insurance policy, or to have mistakenly put the incorrect information on their policy.

A large number of British drivers unknowingly require a business car insurance policy. However, they often only have a domestic and commuting policy because they’re unaware of what policy they need. These drivers are on the roads with the wrong type of insurance, which may invalidate their existing policy and they have no idea.

Another common cause for drivers to receive an IN10 endorsement on their drivers licence is because of undeclared modifications on their cars. This could be because the driver was unaware of the modifications when they purchased the vehicle, or because they were unaware they had to declare their modifications. It’s safest to declare all modification to your insurance provider. Otherwise your car, along with your modifications, may not be covered under your policy.

How long does an IN10 endorsement stay on your licence?

If convicted of driving without insurance, your IN10 endorsement will remain on your licence for four years. However, you will need to disclose it to insurance companies for a further year.

How many points can I get for having no insurance?

Along with the endorsement remaining for 4 years, you could receive 6-8 points on your licence for driving without insurance, which puts you at risk of a totting up ban.

What’s the maximum fine for driving without insurance?

Another penalty for driving without insurance that you could have received is a fixed fine of up to a £300 by the officer who stopped you. If your case continues to the Magistrates court, you could receive an unlimited fine. Although not common for first time offenders, a driving ban is a possible penalty of driving without insurance.

Insure 365 offers a variety of car insurance solutions for UK drivers. Please call 0800 028 2007 for further details.

Pavement Parking

As a driver you could soon find yourself being fined for parking on the pavement under plans being considered by the Department of Transport. At the moment London is the only part of the UK where parking on the pavement is banned and where as £70 fine will be issued for doing so.

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Penalty Points Explained

The courts can ‘endorse’ your driving record with penalty points and issue you with a fine if you are convicted of a motoring offence.

Endorsements are required to stay on your driving record for either 11 or 4 years, depending on the offence.

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MOT exemption for cars over 40 years old

The DFT (Department for Transport) have stated that classic cars that are older than 40 years will be exempt from MOT testing. Owners electing for an MOT only if they feel their car needs one with the exception of those that had been ‘substantially changed’ within the past thirty years.

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Vaping when driving fines, what you need to know

Police have given warning to motorists regarding the danger involved with the use of e-cigarettes while in the control of a motor vehicle on the road and have even suggested that some might find themselves facing prosecution or a fine.

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What is a LC Conviction?

It can certainly be difficult to find cheap car insurance if you have an LC20. LC20s are defined as driving otherwise than in accordance with a licence. Basically this conviction is received for driving a vehicle whilst using a provisional licence without an adult (that carries a licence) present at the time that the offence took place. You could expect to receive between 3 and 6 points depending on the situation.

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New driving laws for 2018

In 2018 there is going to be a change to who’s’ allowed to drive on the motorway. That’s right they are going to be allowing learner drivers to actually be able to drive on them before passing their test.

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What is a DD10 conviction?

You will be issued with a DD10 if you have caused any serious injury from a result of driving dangerously and it will generally be followed with an at-fault claim.

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What is a AC10 Conviction

Failure to stop after an accident

An AC10 conviction code is something that you will receive when you have been caught after failing to stop after being involved in an accident with your vehicle.  Although this endorsement does not involve a large amount of careless or dangerous driving it is definitely something that insurers will not look favouringly upon.  This is down to the fact that just the presence of it being on a license flags up a potential increased risk, some insurers might even out right refuse to give quotes out to drivers that have the AC10 endorsement.

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What is a CD10 conviction

What is a CU80 conviction?

A CU80 is a newly founded conviction where a driver is caught using a mobile phone while driving a motor vehicle. This type of conviction could see penalty points put on the drivers licence and this could also impact on your insurance premium.

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What is a black box?

What is a Black Box? Often known as Telematics, The Black Box is fitted to your vehicle, it will always be on and will not affect the vehicles performance. It usually is in a tamper proof, sealed box. Vehicles fitted with a black box will help your car insurance, Black box car insurance policies works […]

How driving convictions can impact car insurance?

We thought we would take a look into how driving convictions and endorsements can affect the cost of your car insurance.

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Different ways to get cheaper car insurance

Failure to look around for the best car insurance premium may result in you paying more, Here’s a quick overview to help you get the best deal.

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New Mobile Laws in the UK

Driving In Hail

Motoring Offences

How to Choose the Right Van

Competitive Policies