LC20 Car Insurance
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Convicted of driving otherwise than in accordance with a licence? An LC20 endorsement adds 3–6 points to your licence for 4 years — but you can still get competitive car insurance. Compare quotes from specialist convicted driver brokers who understand licence offences.
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Compare from specialist brokers who cover LC20 licence convictions
Quotes are provided by a panel of specialist convicted driver insurance brokers. This is editorial guidance, not personal financial advice.
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What is LC20 Car Insurance?
An LC20 endorsement is issued when you are caught driving a vehicle that you are not legally entitled to drive under your current licence. It is often referred to as a “technical” offence because it frequently happens due to a misunderstanding of licence categories.
The conviction carries 3 to 6 penalty points and remains on your driving licence for 4 years from the date of the offence. During this time, you are legally required to declare it to any insurance provider when applying for cover. Failure to do so can invalidate your policy entirely.
MultiQuoteTime connects you with a panel of specialist convicted driver insurance brokers, giving you access to multiple quotes quickly and without obligation.
Common Reasons Drivers Receive an LC20
An LC20 is often described as a technical offence — many drivers who receive one had no intention of breaking the law. Here are the most common situations that lead to an LC20 endorsement being added to a driving licence.
Provisional Licence Holders
Driving without a qualified supervisor present, or failing to display L plates correctly, can result in an LC20 conviction. Provisional holders must meet specific conditions at all times when driving on public roads.
Category Errors
Driving a larger van over 3.5 tonnes or a minibus on a standard Category B car licence is one of the most frequent causes. Many drivers are unaware their licence does not automatically cover these vehicle types.
Motorcycle Mismatches
Riding a higher-cc motorcycle than your A1 or A2 licence permits is a common mistake, particularly for riders upgrading their bike before completing the next stage of their licence.
Automatic vs Manual Restriction
If you passed your driving test in an automatic vehicle, your licence is restricted to automatics only. Driving a manual car under these conditions constitutes an LC20 offence.
Delivery Drivers Without Hire and Reward Cover
A standard Social, Domestic and Pleasure (SDP) policy does not cover you for transporting goods. If you are delivering for a third party in exchange for payment, you require hire and reward insurance , driving without it can result in both an LC20 and an IN10 conviction.
Towing Without the Right Entitlement
Many drivers assume their standard Category B licence automatically covers towing a caravan or trailer. If your licence was issued after January 1997 there are weight restrictions on what you can legally tow. Exceeding these limits can result in an LC20 offence.
LC20 vs IN10 — How Do They Compare?
An LC20 and an IN10 often occur together — if you were driving a vehicle your licence didn’t cover, there is a chance you were also uninsured. Here is how the two convictions compare.
| Conviction | Offence | Points | Insurer View |
|---|---|---|---|
| LC20 | Driving outside licence entitlement | 3 – 6 | Medium risk |
| IN10 | Driving without insurance | 6 – 8 | High risk |
| LC20 + IN10 | Combined convictions | 6 – 8* | Specialist market only |
*Points are typically awarded for the most serious offence in a single incident. Both convictions generally remain declarable to insurers for 5 years under the Rehabilitation of Offenders Act 1974. This is editorial guidance, not personal financial advice.
How Much Does LC20 Car Insurance Cost in 2026?
An LC20 conviction will increase your car insurance premium, but by how much depends on several factors including your age, vehicle, location and how recently the conviction was recorded. The table below gives an illustrative guide to the kind of increases drivers typically see.
| Points Received | Typical Premium Increase | Illustrative Annual Cost* |
|---|---|---|
| 3 Points | 15% – 30% | £575 – £650 |
| 4 Points | 25% – 45% | £625 – £725 |
| 6 Points | 40% – 80% | £700 – £900 |
| LC20 + IN10 | 80% – 150%+ | £900 – £1,250+ |
*Illustrative figures only, based on a £500 base premium for an average UK driver aged 30-45 with a clean history aside from the LC20 conviction. Your actual premium will depend on your individual circumstances. These figures should not be taken as a quote or guarantee of price. This is editorial guidance, not personal financial advice.
What Affects the Cost of LC20 Insurance?
How Recent the Conviction Is
A fresh LC20 conviction will have a greater impact on your premium than one that is two or three years old. Insurers typically look back five years when calculating risk, even though the points only remain on your licence for four years.
Your Age and Experience
Younger drivers and those with less experience behind the wheel typically see a larger percentage increase. New drivers should be particularly careful — accumulating six points within two years of passing can result in an automatic licence revocation. See our guide on Car Insurance for Young Drivers with Points for more detail.
Your Vehicle
Higher insurance group vehicles attract steeper premiums at the best of times. Combined with an LC20 conviction, the increase can be significant. Switching to a lower insurance group vehicle could help reduce the overall cost of your policy.
Other Convictions on Your Record
If your LC20 sits alongside other endorsements such as an IN10 or a speeding conviction, insurers will view you as a significantly higher risk and your premium will reflect that accordingly.
How Long Does an LC20 Stay on Your Licence?
An LC20 endorsement remains on your driving licence for 4 years from the date of the offence. However, most insurance providers will ask you to declare convictions for 5 years when applying for cover — so the conviction affects your insurance for longer than it appears on your licence.
Once the 5 year declaration period has passed, you are no longer required to disclose the LC20 to insurers and your premium should return closer to standard rates. If you are unsure whether your conviction is still declarable, check with the insurer directly before applying.
Is an LC20 a Criminal Conviction? (Quick Comparison)
| Offence Type | Code | Criminal Conviction? | On Criminal Record (DBS)? |
|---|---|---|---|
| Licence Offence | LC20 | Yes | No (Usually) |
| Speeding | SP30 | Yes | No |
| Drink Driving | DR10 | Yes | Yes |
How to Lower Your LC20 Insurance Premium
An LC20 conviction does not have to mean unaffordable insurance. There are a few steps specific to licence offences that can make a genuine difference to what you pay. MultiQuoteTime provides access to a panel of specialist convicted driver brokers who understand LC20 licence offences and can offer far more competitive terms than standard comparison sites.
Clarify Your Licence Entitlements
If your LC20 resulted from a misunderstanding of your licence categories, taking steps to formally extend your entitlements — such as passing an additional test for larger vehicles — removes the underlying risk that caused the conviction and can help reduce premiums over time.
Declare Accurately and in Full
Undisclosed convictions can void your policy entirely. Declaring your LC20 fully and accurately to specialist brokers — rather than standard comparison sites — gives you access to insurers who price licence offences more fairly. MultiQuoteTime connects you directly with brokers who specialise in exactly these circumstances.
Use a Specialist Broker Panel
Standard comparison sites often decline LC20 applications or apply blanket increases. Through MultiQuoteTime you can access a panel of specialist convicted driver brokers who assess licence offences on their individual merits, which can result in significantly better pricing than going direct.
For a full breakdown of every option available to convicted drivers looking to reduce their premium, read our comprehensive guide:
How to Lower Your Convicted Driver Insurance Premium
A full guide covering every option available to drivers with convictions.
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