uk-motoring-conviction-codesDriving licences in the UK are endorsed by the Courts following a motorists conviction for a driving related offence. These endorsements are based on a standard list of conviction codes which depending upon the severity of the offence may remain on the licencee for a period from 4 years up to 11 years following the date of conviction.

What motoring convictions do I need to disclose to an insurance company?

For private insurance contracts e.g personal motor insurance you only need to answer the question that is asked by the insurance company and this will generally take the form of

Have you, in the last five years, had any motoring convictions, driving licence endorsements or fixed penalties or have you been disqualified from driving?
– Do you have any pending prosecutions for any motoring offence?
– Do you have any non-motoring convictions which are not considered spent, or any pending prosecutions?

For other contracts the questions will be similar and you will be required to disclose the details of any convictions that are not considered spent under the Rehabilitation of Offenders Act 1974.  For simple motoring offences where the driver’s licence is endorsed the period is 5 years from the date of conviction. Other punishments including imprisonment would need clarification under the Act.

Do I need to declare motoring convictions once the “points” have expired from my licence?

Whether points and licence endorsements are current or not is irrelevant in terms of the disclosure of convictions. It is whether the conviction is spent under the Rehabilitation of Offenders Act that determines whether it should be disclosed and for most insurers requesting details of convictions in the last 5 years most motoring offences will need to be disclosed whether the points are current or not. Similarly and somewhat controversially,  conviction such as a DR10  that remains on the licence for 11 years does not need to be disclosed after 5 years as it is spent under the Act.

When do I need to disclose convictions to an insurance company?

You need to disclose the convictions when you take out the policy and also disclose any further convictions you may receive at any subsequent renewal of the policy or during the term of the insurance if such disclosure is required by the terms of the policy.

Current List of UK Conviction Codes

 CodeOffencePenalty PointsYears Valid

Accident Offences

AC10Failing to stop after an accident5 to 104
AC20Failing to give particulars or report an accident within 24 hours5 to 104
AC30Undefined accident offences4 to 94

Disqualified Driver

 BA10Driving while disqualified by order of court64
 BA30Attempting to drive while disqualified by order of court64

Careless Driving

 CD10Driving without due care and attention3 to 94
 CD20Driving without reasonable consideration for other road users3 to 94
 CD30Driving without due care and attention or without reasonable consideration for other road users3 to 94
 CD40Causing death through careless driving when unfit through drink3 to 1111
 CD50Causing death by careless driving when unfit through drugs3 to 1111
 CD60Causing death by careless driving with alcohol level above the limit3 to 1111
 CD70Causing death by careless driving then failing to supply a specimen for alcohol analysis3 to 1111
 CD80Causing death by careless, or inconsiderate, driving3 to 114
 CD90Causing death by driving: unlicensed, disqualified or uninsured drivers3 to 114

Construction and Use Offences

 CU10Using a vehicle with defective brakes34
 CU20Causing or likely to cause danger by reason of use of unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, steering or tyres) in a dangerous condition34
 CU30Using a vehicle with defective tyre(s)34
 CU40Using a vehicle with defective steering34
 CU50Causing or likely to cause danger by reason of load or passengers34
 CU80Breach of requirements as to control of the vehicle, mobile telephone etc34

Reckless/Dangerous Driving

 DD10Causing serious injury by dangerous driving3 to 114
 DD40Dangerous driving3 to 114
 DD60Manslaughter or culpable homicide while driving a vehicle3 to 114
 DD80Causing death by dangerous driving3 to 114
 DD90Furious driving3 to 94

Drink or Drugs

 DR10Driving or attempting to drive with alcohol level above limit3 to 1111
 DR20Driving or attempting to drive while unfit through drink3 to 1111
 DR30Driving or attempting to drive then failing to supply a specimen for analysis3 to 1111
 DR31Driving or attempting to drive then refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity3 to 1111
 DR61Refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity in circumstances other than driving or attempting to drive1011
 DR40In charge of a vehicle while alcohol level above limit104
 DR50In charge of a vehicle while unfit through drink104
 DR60Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive104
 DR70Failing to provide specimen for breath test44
 DR80Driving or attempting to drive when unfit through drugs3 to 1111
 DR90In charge of a vehicle when unfit through drugs104

Insurance Offences

 IN10Using a vehicle uninsured against third party risks6 to 84

Licence Offences

 LC20Driving otherwise than in accordance with a licence3 to 64
 LC30Driving after making a false declaration about fitness when applying for a licence3 to 64
 LC40Driving a vehicle having failed to notify a disability3 to 64
 LC50Driving after a licence has been revoked or refused on medical grounds3 to 64

Miscellaneous Offences

 MS10Leaving a vehicle in a dangerous position34
 MS20Unlawful pillion riding34
 MS30Play street offences24
 MS50Motor racing on the highway3 to 114
 MS60Offences not covered by other codes (including offences relating to breach of requirements as to control of vehicle)34
 MS70Driving with uncorrected defective eyesight34
 MS80Refusing to submit to an eyesight test34
 MS90Failure to give information as to identity of driver etc64

Motorway Offences

 MW10Contravention of special roads regulations (excluding speed limits)34

Pedestrian Crossings

 PC10Undefined contravention of pedestrian crossing regulations34
 PC20Contravention of pedestrian crossing regulations with moving vehicle34
 PC30Contravention of pedestrian crossing regulations with stationary vehicle34

Speed Limits

 SP10Exceeding goods vehicle speed limits3 to 64
 SP20Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)3 to 64
 SP30Exceeding statutory speed limit on a public road3 to 64
 SP40Exceeding passenger vehicle speed limit3 to 64
 SP50Exceeding speed limit on a motorway3 to 64

Traffic Signs and Directions

 TS10Failing to comply with traffic light signals34
 TS20Failing to comply with double white lines34
 TS30Failing to comply with ‘stop’ sign34
 TS40Failing to comply with direction of a constable/warden34
 TS50Failing to comply with traffic sign (excluding ‘stop’ signs, traffic lights or double white lines)34
 TS60Failing to comply with a school crossing patrol sign34
 TS70Undefined failure to comply with a traffic direction sign34

Special Code

 TT99disqualification under ‘totting-up’ – if the total of penalty points reaches 12 or more within 3 years, the driver can be disqualified. –4

Theft or Unauthorised Taking

 UT50Aggravated taking of a vehicle3 to 114
 Mutual Recognition Codes if you’re disqualified while driving in Northern Ireland, Isle of Man or the Republic of Ireland. Your disqualification period will also be valid in GB.
 MR90 Reckless or dangerous driving (whether or not resulting in death, injury or serious risk) –4
 MR19 Wilful failure to carry out the obligation placed on driver after being involved in a road accident (hit or run) –4
 MR29 Driving a vehicle while under the influence of alcohol or other substance affecting or diminishing the mental and physical abilities of a driver –4
 MR39 Driving a vehicle faster than the permitted speed –4
 MR49 Driving a vehicle whilst disqualified –4
 MR59Other conduct constituting an offence for which a driving disqualification has been imposed by the State of Offence –4

Aiding, abetting, counselling or procurement offences

The conviction code is as per the primary conviction code but with the last digit replaced by a “2” e.g. SP30 becomes SP32

Causing or permitting offences

The conviction code is as per the primary conviction code but with the last digit replaced by a “4” e.g. SP30 becomes SP34

Inciting Offences

The conviction code is as per the primary conviction code but with the last digit replaced by a “6” e.g. DR10 becomes DR16

 

 
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