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

 Code Offence Penalty Points Years Valid

Accident Offences

AC10 Failing to stop after an accident 5 to 10 4
AC20 Failing to give particulars or report an accident within 24 hours 5 to 10 4
AC30 Undefined accident offences 4 to 9 4

Disqualified Driver

 BA10 Driving while disqualified by order of court 6 4
 BA30 Attempting to drive while disqualified by order of court 6 4

Careless Driving

 CD10 Driving without due care and attention 3 to 9 4
 CD20 Driving without reasonable consideration for other road users 3 to 9 4
 CD30 Driving without due care and attention or without reasonable consideration for other road users 3 to 9 4
 CD40 Causing death through careless driving when unfit through drink 3 to 11 11
 CD50 Causing death by careless driving when unfit through drugs 3 to 11 11
 CD60 Causing death by careless driving with alcohol level above the limit 3 to 11 11
 CD70 Causing death by careless driving then failing to supply a specimen for alcohol analysis 3 to 11 11
 CD80 Causing death by careless, or inconsiderate, driving 3 to 11 4
 CD90 Causing death by driving: unlicensed, disqualified or uninsured drivers 3 to 11 4

Construction and Use Offences

 CU10 Using a vehicle with defective brakes 3 4
 CU20 Causing 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 condition 3 4
 CU30 Using a vehicle with defective tyre(s) 3 4
 CU40 Using a vehicle with defective steering 3 4
 CU50 Causing or likely to cause danger by reason of load or passengers 3 4
 CU80 Breach of requirements as to control of the vehicle, mobile telephone etc 3 4

Reckless/Dangerous Driving

 DD10 Causing serious injury by dangerous driving 3 to 11 4
 DD40 Dangerous driving 3 to 11 4
 DD60 Manslaughter or culpable homicide while driving a vehicle 3 to 11 4
 DD80 Causing death by dangerous driving 3 to 11 4
 DD90 Furious driving 3 to 9 4

Drink or Drugs

 DR10 Driving or attempting to drive with alcohol level above limit 3 to 11 11
 DR20 Driving or attempting to drive while unfit through drink 3 to 11 11
 DR30 Driving or attempting to drive then failing to supply a specimen for analysis 3 to 11 11
 DR31 Driving or attempting to drive then refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity 3 to 11 11
 DR61 Refusing 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 drive 10 11
 DR40 In charge of a vehicle while alcohol level above limit 10 4
 DR50 In charge of a vehicle while unfit through drink 10 4
 DR60 Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive 10 4
 DR70 Failing to provide specimen for breath test 4 4
 DR80 Driving or attempting to drive when unfit through drugs 3 to 11 11
 DR90 In charge of a vehicle when unfit through drugs 10 4

Insurance Offences

 IN10 Using a vehicle uninsured against third party risks 6 to 8 4

Licence Offences

 LC20 Driving otherwise than in accordance with a licence 3 to 6 4
 LC30 Driving after making a false declaration about fitness when applying for a licence 3 to 6 4
 LC40 Driving a vehicle having failed to notify a disability 3 to 6 4
 LC50 Driving after a licence has been revoked or refused on medical grounds 3 to 6 4

Miscellaneous Offences

 MS10 Leaving a vehicle in a dangerous position 3 4
 MS20 Unlawful pillion riding 3 4
 MS30 Play street offences 2 4
 MS50 Motor racing on the highway 3 to 11 4
 MS60 Offences not covered by other codes (including offences relating to breach of requirements as to control of vehicle) 3 4
 MS70 Driving with uncorrected defective eyesight 3 4
 MS80 Refusing to submit to an eyesight test 3 4
 MS90 Failure to give information as to identity of driver etc 6 4

Motorway Offences

 MW10 Contravention of special roads regulations (excluding speed limits) 3 4

Pedestrian Crossings

 PC10 Undefined contravention of pedestrian crossing regulations 3 4
 PC20 Contravention of pedestrian crossing regulations with moving vehicle 3 4
 PC30 Contravention of pedestrian crossing regulations with stationary vehicle 3 4

Speed Limits

 SP10 Exceeding goods vehicle speed limits 3 to 6 4
 SP20 Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles) 3 to 6 4
 SP30 Exceeding statutory speed limit on a public road 3 to 6 4
 SP40 Exceeding passenger vehicle speed limit 3 to 6 4
 SP50 Exceeding speed limit on a motorway 3 to 6 4

Traffic Signs and Directions

 TS10 Failing to comply with traffic light signals 3 4
 TS20 Failing to comply with double white lines 3 4
 TS30 Failing to comply with ‘stop’ sign 3 4
 TS40 Failing to comply with direction of a constable/warden 3 4
 TS50 Failing to comply with traffic sign (excluding ‘stop’ signs, traffic lights or double white lines) 3 4
 TS60 Failing to comply with a school crossing patrol sign 3 4
 TS70 Undefined failure to comply with a traffic direction sign 3 4

Special Code

 TT99 disqualification 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

 UT50 Aggravated taking of a vehicle 3 to 11 4
 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
 MR59 Other 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

 

 
0161 300 2930 Blackfriars Group