IN10 Car Insurance
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Get multiple quotes from specialist convicted driver insurance brokers. Cover available for IN10 insurance related convictions and other motoring offences.
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Quotes are provided by a panel of specialist convicted driver insurance brokers.
GET MULTIPLE QUOTES →Compare IN10 Car Insurance In 3 Steps
MultiQuoteTime connects you with specialist brokers who quote drivers with an IN10 conviction.
- All no-insurance convictions covered, including IN10 and the aggravated IN12 endorsement.
- Every level of cover available: third party, third party fire and theft, and fully comprehensive.
- Affordable cover with flexible monthly payment options, even after a refused renewal.
- Tailored quotes from specialist convicted driver insurers, with related cover for other points on your licence too.
Why Compare IN10 Car Insurance with MultiQuoteTime?
An IN10 conviction tells an insurer you drove without valid insurance, and most mainstream providers treat that as one of the higher-risk endorsements on the books. Plenty will decline to quote at all, and the ones that do often load the premium heavily, which is why the renewal figure or the price on a standard comparison site is rarely the best you can do.
Specialist panels and non-standard underwriters price an IN10 very differently. Rather than rejecting it on the code alone, they look at the circumstances behind it, a missed renewal carries less weight than repeat uninsured driving. They factor in how long ago the conviction happened and how clean your record has been since. That underwriting judgement is the difference between a flat refusal and a workable price.
MultiQuoteTime puts your details in front of a panel of brokers who actively cover IN10 and other motoring convictions, so you reach insurers that want the risk and can compare them in one go. If you are carrying other points on your licence alongside the IN10, the same panel can quote for those too.
How Does an IN10 Conviction Affect Your Insurance Cost?
An IN10 conviction will increase your car insurance premium significantly. The exact amount depends on your age, driving history, vehicle, postcode, and how individual insurers perceive the risk of future claims. In general, drivers with an IN10 typically pay two or more times the standard market rate. An IN10 is treated as one of the more serious conviction codes by insurers, because it signals the driver was prepared to risk driving a vehicle without any insurance.
What factors affect your IN10 insurance premium?
No two IN10 quotes are the same. Alongside the conviction itself, insurers weigh up your age and driving experience, the vehicle you drive and its insurance group, your postcode and where the car is kept overnight, your annual mileage, and the level of cover you choose. Younger drivers with an IN10 face the most significant combined loading — an experienced driver over 40 with an otherwise clean record will typically see a smaller proportional increase.
| Driver profile | Without IN10 | With IN10 | Typical uplift |
|---|---|---|---|
| Average driver (25–50, standard car) | £400 – £600 / yr | £750 – £1,200+ / yr | 60–100%+ |
| Young driver (17–24) | £900 – £1,800 / yr | £1,800 – £3,500+ / yr | 80–120%+ |
| Older driver (50+, modest car) | £300 – £500 / yr | £550 – £950+ / yr | 50–90%+ |
* These figures are indicative ranges based on market data and intended as a general guide only. Your actual premium will depend on your individual circumstances, insurer, age, vehicle, and driving history. Figures should not be taken as a guarantee of the increase you will face.
How the cost reduces over time
The impact of an IN10 conviction is not permanent. Insurers apply the heaviest loading in the first one to two years, with costs coming down at each renewal as the conviction ages — and disappearing entirely once the five-year declaration period expires. This makes it especially important to compare quotes at every renewal, not just when the conviction is first issued.
| Time since offence | Typical premium uplift | What’s happening |
|---|---|---|
| 0–12 months | 80–120%+ above clean rate | Conviction is fresh; perceived risk at its peak |
| 1–2 years | Typically 50–80% | Some specialist insurers begin to soften pricing |
| 2–3 years | Typically 30–50% | Conviction approaching halfway point on licence |
| 3–4 years | Typically 15–30% | Conviction nears removal from licence |
| Year 4 | Removed from licence — still declare to insurers | Uplift continues but typically at its lowest rate |
| Year 5 | No uplift | No longer needs to be declared — premiums normalise |
Compare quotes at every renewal — the premium you are quoted in year one is not representative of what you will pay in year three.
Those figures can look alarming, but mainstream insurers are not your only option. Specialist convicted driver brokers work with insurers that have real experience covering IN10 drivers and price accordingly. At MQT we can provide you access to a panel of specialist providers — simply click here to get started.
What Can Result In An IN10 Conviction?
Whilst the vast majority of convictions are for knowingly driving without any insurance, other, more innocent mistakes can land you in a heap of trouble. These are listed below.
| Code | Offence description | Penalty points | Duration conviction stays on your licence | Duration you have to disclose to your insurance provider |
|---|---|---|---|---|
| IN10 | Driving a vehicle uninsured against third party risks | 6–8 | 4 years | 5 years |
Forgotten renewal or missed payment
Forgetting to renew your insurance or missing payments can leave you uninsured without realising it.
Driving for hire and reward
Driving for hire and reward on a social, domestic & pleasure or even a business car policy is not covered and can result in an IN10.
Undeclared vehicle modifications
Vehicle modifications that have not been declared can void your policy. Always notify your insurance provider before making any modifications.
Failing to fully disclose information
Failing to fully disclose the correct information about yourself or your car to the insurance provider can invalidate your cover.
What is the best IN10 insurance?
There is no single best IN10 insurer — the right policy depends on your age, vehicle, postcode, and the time elapsed since your conviction. The most effective way to find the best deal is to compare quotes from a panel of specialist convicted driver brokers rather than going direct to a single mainstream insurer.
Compare IN10 Insurance Quotes →Why Does IN10 Insurance Cost So Much?
If you have an IN10 conviction are looking for IN10 Insurance, you most likely have realised that it is difficult to get quotes and the quotes you do receive are mega expensive. This is because you pose a higher risk that say drivers without any convictions. IN10 insurance will be expensive, making it all the more important to do the legwork and get as many quotes as possible and compare all the deals that are available in the marketplace. You should also look for brokers that will accept payment by monthly direct debit to ease the cost burden.
How Long Must I Declare an IN10 To Insurance Companies?
4 years
Stays on your licence
Up to 5 years
Most insurers ask about last 5 years
Reducing
Premium impact reduces each year
An IN10 conviction is a serious offence and will remain on your licence for a period of 4 years from the date of the offence — this is confirmed by GOV.UK. During this time you must declare it to any prospective car insurance provider. Most insurance providers will also ask about convictions in the last 5 years when you apply for a quote, so you should expect to declare it for up to 5 years. The good news is that the premium impact reduces progressively each year as the conviction ages — by years 4 and 5 most drivers see costs approaching normal market rates again.
Do I Have To Declare an IN10 Conviction To My Insurer?
Yes — you must declare an IN10 conviction to your insurer
Failing to declare an IN10 conviction is a criminal offence. It invalidates your insurance and can result in a driving ban and make it near impossible to get cover in the future.
It is critical to disclose any driving convictions when getting car insurance, whether online or offline. By not doing so, you will be breaking the law and any insurance you think you have will be invalid. If you were to fail to disclose prior convictions and this is uncovered by the police you will be staring at a driving ban, and such an offence will make it next to impossible to get insurance companies to even provide you with a quote for any type of vehicle insurance.
How To Lower The Cost of IN10 Car Insurance
Whilst an IN10 conviction will make getting cheap car insurance hard to find, you can take some steps to lower the cost. Here are some ideas you may wish to consider.
- If you are able to provide safe parking, normally off-road in a driveway or garage, this will help lower your final premium.
- Lower the risk of permanent car loss by theft by adding a tracker device.
- Get multiple quotes from specialist providers of convicted driver insurance — comparing quotes is the single most effective step you can take.
- If you can afford it, pay the insurance premium annually rather than monthly — monthly payments typically attract interest charges that increase the overall cost.
- Agree a higher voluntary excess amount — but do remember this will be your responsibility should an accident occur and you are found to be at fault.
- If your vehicle is in a high insurance group, you could consider changing to a vehicle in a lower insurance group to reduce your base premium.
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