Speeding Offence Codes (SP10 – SP50)

Speeding is the most common motoring conviction in the UK. While many drivers receive a Fixed Penalty Notice, higher speeds often result in a court appearance and band-based fines. All SP codes carry 3 to 6 penalty points and remain on your licence for 4 years from the date of the offence.

Code Offence Detail Points Licence Duration Insurance Impact
SP10 Exceeding goods vehicle speed limits 3 – 6 4 years Medium increase
SP20 Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles) 3 – 6 4 years Medium increase
SP30 Exceeding statutory speed limit on a public road 3 – 6 4 years 15% – 25% increase
SP40 Exceeding speed limit for a passenger vehicle 3 – 6 4 years Medium increase
SP50 Exceeding speed limit on a motorway 3 – 6 4 years 20% – 30% increase

Eamonn Turley — Insurance Expert

SP30 is by far the most commonly declared speeding conviction. A single SP30 with 3 points will typically increase your premium by 15% to 25% depending on your insurer. The bigger issue is accumulation — two SP30 convictions within 3 years will push you firmly into the specialist broker market. If you have an SP50 motorway conviction, expect a higher increase as insurers view excessive speed as a greater risk indicator. Compare specialist quotes here.

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Motorway Offence Conviction Codes (MW10 – MW16)

Motorway offences relate to failing to comply with the special regulations that apply to motorways and special roads, including contraflow systems, roadworks speed limits and lane restrictions. They are less commonly seen than other conviction codes but still need to be declared to insurers.

Code Offence Detail Points Licence Duration Insurance Impact
MW10 Failing to drive in line with special road regulations, excluding speed limits, such as motorway roadworks and rules 3 4 years Low to medium increase
MW12 Aiding or abetting someone to fail to drive in line with special road regulations 3 4 years Low to medium increase
MW14 Causing or permitting someone to fail to drive in line with special road regulations 3 4 years Low to medium increase
MW16 Inciting someone to fail to drive in line with special road regulations 3 4 years Low to medium increase

Eamonn Turley — Insurance Expert

MW10 is the most commonly seen motorway conviction and typically results from failing to comply with variable speed limits or lane closures in roadworks. The insurance impact is relatively low compared to other conviction codes as insurers generally view it as a minor lapse rather than a deliberate risk. MW12, MW14 and MW16 are far less common and relate to facilitating or encouraging someone else to commit the offence rather than committing it directly. All MW convictions should still be declared to insurers when applying for cover. MultiQuoteTime provides access to a panel of specialist convicted driver brokers who can help. Compare specialist quotes here.

Licence Offence Codes (LC20 – LC50)

Licence offences are often described as technical convictions — many drivers who receive one had no deliberate intention of breaking the law. They are most commonly the result of a misunderstanding of licence categories, a medical notification failure, or driving on a provisional licence incorrectly. All LC codes carry 3 to 6 penalty points and remain on your licence for 4 years from the date of the offence.

Code Offence Detail Points Licence Duration Insurance Impact
LC20 Driving otherwise than in accordance with a licence 3 – 6 4 years Medium increase
LC30 Driving after making a false declaration about fitness when applying for a licence 3 – 6 4 years Medium to high increase
LC40 Driving a vehicle having failed to notify a disability 3 – 6 4 years Medium to high increase
LC50 Driving after a licence has been revoked or refused on medical grounds 3 – 6 4 years High increase — specialist brokers required

Eamonn Turley — Insurance Expert

LC20 is the most frequently seen licence conviction and in most cases it is genuinely accidental — a driver unaware their licence did not cover the vehicle type they were operating. The insurance impact is medium but it increases significantly if an LC20 sits alongside an IN10, which happens more often than you might expect. LC40 and LC50 carry the highest insurance impact within this group as they involve medical fitness to drive — insurers treat these with greater caution. Compare specialist quotes here.

Drink Driving Conviction Codes (DR10 – DR70)

Drink driving convictions carry the highest insurance impact of any motoring offence. DR codes are split into two groups — those where the driver was driving or attempting to drive, and those where the driver was in charge of a vehicle. The driving offences carry 11 year licence endorsements and must be declared to insurers for 5 years.

Code Offence Detail Points Licence Duration Insurance Impact
DR10 Driving or attempting to drive with alcohol level above limit 3 – 11 11 years 150% – 250% increase
DR20 Driving or attempting to drive while unfit through drink 3 – 11 11 years 150% – 250% increase
DR30 Driving or attempting to drive then failing to supply a specimen for analysis 3 – 11 11 years High — specialist brokers required
DR31 Driving or attempting to drive then refusing to give permission for blood sample analysis 3 – 11 11 years High — specialist brokers required
DR40 In charge of a vehicle while alcohol level above limit 10 4 years Medium to high increase
DR50 In charge of a vehicle while unfit through drink 10 4 years Medium to high increase
DR60 Failure to provide a specimen for analysis in circumstances other than driving 10 4 years Medium to high increase
DR70 Failing to provide a specimen for a breath test 4 4 years Medium increase

Eamonn Turley — Insurance Expert

DR10 is the conviction with the single highest impact on car insurance premiums. A first DR10 conviction typically results in a premium increase of 150% to 250% and pushes the driver firmly into the specialist broker market. The 11 year licence endorsement means the conviction remains visible to insurers for a long time. A second DR10 within 10 years results in a mandatory 3 year ban and makes finding affordable cover extremely challenging. If you are unsure whether you were over the limit at the time of driving, use our blood alcohol calculator for guidance. You can also use our drink driving penalty calculator to estimate the likely fine and points for your offence. Always use a specialist broker. Compare specialist quotes here.

No Insurance Conviction Code (IN10)

Driving without valid insurance is both a criminal offence and one of the most common reasons drivers end up in the specialist insurance market. An IN10 carries 6 to 8 penalty points and remains on your licence for 4 years from the date of the offence. It is also frequently paired with other convictions — particularly LC20 — making the combined insurance impact significantly higher.

Code Offence Detail Points Licence Duration Insurance Impact
IN10 Using a vehicle uninsured against third party risks 6 – 8 4 years 80% – 150% increase — specialist brokers required

Eamonn Turley — Insurance Expert

IN10 is one of the most damaging convictions from an insurance perspective. The 6 to 8 points it carries are significant on their own, but the bigger issue is that insurers view uninsured driving as a deliberate act rather than a mistake — which means the premium impact is disproportionately high compared to other offences with similar point counts. It is also the most common double conviction — drivers who receive an LC20 for driving outside their licence entitlement frequently also receive an IN10 as the vehicle was technically uninsured for that use. If you have an IN10 on your record, using a specialist broker is not optional — it is essential. Compare specialist quotes here.

Dangerous Driving Conviction Codes (DD10 – DD90)

Dangerous driving convictions are among the most serious motoring offences. They carry significant penalty points, lengthy licence endorsements and in many cases a mandatory driving ban. Insurers treat DD codes with extreme caution and in most cases only specialist brokers will consider covering drivers with these convictions on their record.

Code Offence Detail Points Licence Duration Insurance Impact
DD10 Causing serious injury by dangerous driving 3 – 11 4 years from conviction Very high — specialist brokers only
DD40 Dangerous driving 3 – 11 4 years from conviction Very high — specialist brokers only
DD60 Manslaughter or culpable homicide while driving a vehicle 3 – 11 4 years from conviction Extremely high — very few insurers will cover
DD80 Causing death by dangerous driving 3 – 11 4 years from conviction Extremely high — very few insurers will cover
DD90 Furious driving 3 – 9 4 years from conviction High — specialist brokers required

Eamonn Turley — Insurance Expert

Dangerous driving convictions are treated very differently to other motoring offences by insurers. A DD40 or above will immediately exclude you from the standard insurance market entirely — you will need a specialist broker who has access to underwriters prepared to assess your individual circumstances. DD60 and DD80 involve fatalities and are the most serious convictions on this list. If you have a DD conviction and are struggling to find cover, MultiQuoteTime provides access to a panel of specialist convicted driver brokers who can help. Compare specialist quotes here.

Careless Driving Conviction Codes (CD10 – CD90)

Careless driving convictions cover a wide range of offences from minor lapses in attention through to causing death by careless driving. The less serious CD codes carry 4 year endorsements while the most serious — those involving death or serious injury — remain on your licence for 11 years from the date of conviction.

Code Offence Detail Points Licence Duration Insurance Impact
CD10 Driving without due care and attention 3 – 9 4 years Medium to high increase
CD20 Driving without reasonable consideration for other road users 3 – 9 4 years Medium to high increase
CD30 Driving without due care and attention or without reasonable consideration for other road users 3 – 9 4 years Medium to high increase
CD33 Causing serious injury by careless or inconsiderate driving 3 – 9 4 years High — specialist brokers required
CD40 Causing death through careless driving when unfit through drink 3 – 11 11 years from conviction Extremely high — very few insurers will cover
CD50 Causing death by careless driving when unfit through drugs 3 – 11 11 years from conviction Extremely high — very few insurers will cover
CD60 Causing death by careless driving with alcohol level above the limit 3 – 11 11 years from conviction Extremely high — very few insurers will cover
CD70 Causing death by careless driving then failing to supply a specimen for analysis 3 – 11 11 years from conviction Extremely high — very few insurers will cover
CD80 Causing death by careless or inconsiderate driving 3 – 11 4 years from conviction Extremely high — very few insurers will cover
CD90 Causing death by driving — unlicensed, disqualified or uninsured drivers 3 – 11 4 years from conviction Extremely high — very few insurers will cover

Eamonn Turley — Insurance Expert

CD10 and CD20 are the most commonly seen careless driving codes and while they do increase your premium, most specialist brokers can still find competitive cover. The situation changes significantly with CD40 and above — any conviction involving death or serious injury places you in a very small pool of specialist underwriters. It is worth noting that CD30 is the catch-all code used when the exact nature of the careless driving is unclear — it is more common than many drivers realise. If you have any CD conviction, MultiQuoteTime provides access to a panel of specialist convicted driver brokers who can assess your circumstances individually. Compare specialist quotes here.

Drug Driving Conviction Codes (DG10 – DG60)

Drug driving convictions are treated with similar severity to drink driving by insurers. The most serious DG codes carry 11 year licence endorsements and must be declared to insurers for 5 years. Drug driving legislation in the UK covers both illegal drugs and certain prescription medications that impair driving ability.

Code Offence Detail Points Licence Duration Insurance Impact
DG10 Driving or attempting to drive with drug level above the specified limit 3 – 11 11 years from conviction 150% – 250% increase — specialist brokers required
DG40 In charge of a vehicle while drug level above specified limit 10 4 years Medium to high increase
DG60 Causing death by careless driving with drug level above the limit 3 – 11 11 years from conviction Extremely high — very few insurers will cover
DR80 Driving or attempting to drive when unfit through drugs 3 – 11 11 years from conviction 150% – 250% increase — specialist brokers required
DR90 In charge of a vehicle when unfit through drugs 10 4 years Medium to high increase

Eamonn Turley — Insurance Expert

Drug driving convictions are increasing year on year in the UK as roadside testing becomes more widespread. DG10 and DR80 carry the same insurance impact as a DR10 drink driving conviction — insurers make no meaningful distinction between drug and drink driving when calculating premiums. One area that catches drivers by surprise is prescription medication — certain prescribed drugs have legal limits in the same way as alcohol, and driving above those limits constitutes a DG10 offence even if the medication was taken as directed. If you have a drug driving conviction, MultiQuoteTime provides access to a panel of specialist convicted driver brokers who can assess your circumstances. Compare specialist quotes here.

Construction and Use Conviction Codes (CU10 – CU80)

Construction and use offences relate to the condition of your vehicle or how it is being used on the road. They range from defective brakes and tyres through to using a mobile phone while driving. CU80 — mobile phone use — is now one of the most commonly issued convictions in the UK following stricter enforcement in recent years.

Code Offence Detail Points Licence Duration Insurance Impact
CU10 Using a vehicle with defective brakes 3 4 years Low to medium increase
CU20 Causing or likely to cause danger by reason of use of unsuitable vehicle or dangerous condition of parts or accessories 3 4 years Low to medium increase
CU30 Using a vehicle with defective tyre(s) 3 4 years Low to medium increase
CU40 Using a vehicle with defective steering 3 4 years Low to medium increase
CU50 Causing or likely to cause danger by reason of load or passengers 3 4 years Low to medium increase
CU80 Using a mobile phone while driving a motor vehicle 3 – 6 4 years 20% – 40% increase

Eamonn Turley — Insurance Expert

CU80 is now the fastest growing conviction code in the UK — police forces have significantly increased enforcement and the penalties were strengthened in 2017. A single CU80 with 6 points has a disproportionately high insurance impact for younger drivers who are already paying elevated premiums. CU10 and CU30 — defective brakes and tyres — are often issued following an accident and may appear alongside other conviction codes, which compounds the insurance impact further. Vehicle maintenance convictions are generally viewed more sympathetically by insurers than behavioural offences, but they still need to be declared. Compare specialist quotes here.

Disqualified Driver Conviction Codes (BA10 – BA60)

Driving while disqualified is one of the most serious motoring offences. It demonstrates a deliberate disregard for a court order and insurers treat it accordingly. BA convictions carry significant penalty points and in many cases result in a further driving ban on top of the existing disqualification.

Code Offence Detail Points Licence Duration Insurance Impact
BA10 Driving while disqualified by order of court 6 4 years from offence Very high — specialist brokers only
BA30 Attempting to drive while disqualified by order of court 6 4 years from offence Very high — specialist brokers only
BA40 Causing death by driving while disqualified 3 – 11 4 years from conviction Extremely high — very few insurers will cover
BA60 Causing serious injury by driving while disqualified 3 – 11 4 years from conviction Extremely high — very few insurers will cover

Eamonn Turley — Insurance Expert

A BA10 conviction is one of the hardest convictions to insure around. Driving while disqualified tells insurers that you have previously been banned from driving and chose to drive anyway — that combination of prior risk and deliberate non-compliance makes many insurers unwilling to offer cover at any price. BA40 and BA60 involve fatalities or serious injury while already disqualified and represent the most extreme end of the convicted driver insurance market. If you have a BA conviction and need cover, it is essential to use a specialist broker who has access to underwriters prepared to consider your individual circumstances. Compare specialist quotes here.

Accident Offence Conviction Codes (AC10 – AC30)

Accident offences relate to a driver’s conduct following a road traffic accident. They do not necessarily mean the driver caused the accident — the offence is in failing to stop, failing to report or failing to provide details. All AC codes carry 4 year licence endorsements from the date of the offence.

Code Offence Detail Points Licence Duration Insurance Impact
AC10 Failing to stop after an accident 5 – 10 4 years High — specialist brokers required
AC20 Failing to give particulars or to report an accident within 24 hours 5 – 10 4 years High — specialist brokers required
AC30 Undefined accident circumstances 4 – 9 4 years Medium to high increase

Eamonn Turley — Insurance Expert

AC10 — failing to stop after an accident — is viewed very seriously by insurers because it suggests the driver was either aware they had caused damage and chose to leave, or was driving in a state that prevented them from realising an accident had occurred. Either interpretation raises significant red flags. AC20 is slightly more common and can sometimes result from genuine confusion about reporting obligations — many drivers do not realise they are required to report an accident to police within 24 hours if they did not exchange details at the scene. If you have an AC conviction, MultiQuoteTime provides access to a panel of specialist convicted driver brokers. Compare specialist quotes here.

Accident Offence Conviction Codes (AC10 – AC30)

Accident offences relate to a driver’s conduct following a road traffic accident. They do not necessarily mean the driver caused the accident — the offence is in failing to stop, failing to report or failing to provide details. All AC codes carry 4 year licence endorsements from the date of the offence.

Code Offence Detail Points Licence Duration Insurance Impact
AC10 Failing to stop after an accident 5 – 10 4 years High — specialist brokers required
AC20 Failing to give particulars or to report an accident within 24 hours 5 – 10 4 years High — specialist brokers required
AC30 Undefined accident circumstances 4 – 9 4 years Medium to high increase

Eamonn Turley — Insurance Expert

AC10 — failing to stop after an accident — is viewed very seriously by insurers because it suggests the driver was either aware they had caused damage and chose to leave, or was driving in a state that prevented them from realising an accident had occurred. Either interpretation raises significant red flags. AC20 is slightly more common and can sometimes result from genuine confusion about reporting obligations — many drivers do not realise they are required to report an accident to police within 24 hours if they did not exchange details at the scene. If you have an AC conviction, MultiQuoteTime provides access to a panel of specialist convicted driver brokers. Compare specialist quotes here.

TT99 — Totting Up Disqualification

TT99 is not a standalone offence code — it is applied to a driving licence when a driver accumulates 12 or more penalty points within a 3 year period and receives a totting up disqualification. It does not replace the individual conviction codes already on the licence — it sits alongside them as a record of the disqualification imposed.

Code What It Means Points Threshold Licence Duration Insurance Impact
TT99 Disqualification under the totting up procedure — 12 or more points accumulated within 3 years 12+ points 4 years from date of disqualification Very high — specialist brokers required

Eamonn Turley — Insurance Expert

A TT99 disqualification is particularly damaging from an insurance perspective because it tells insurers that a driver has accumulated multiple convictions rather than making a single mistake. The individual codes that triggered the TT99 will also still be on the licence — so insurers see both the underlying convictions and the resulting ban. New drivers should be especially careful — if you passed your test within the last 2 years, your licence will be revoked after just 6 points rather than 12, which means even two SP30 speeding convictions can result in losing your licence entirely. After a TT99 disqualification, returning to standard insurance rates takes time — but MultiQuoteTime provides access to specialist brokers who can help you find competitive cover while the conviction is still on your record. Compare specialist quotes here.

Common Double Conviction Pairings

One aspect of motoring convictions that standard comparison sites never explain is how conviction codes interact with each other. Many drivers end up with two convictions from a single incident and the combined insurance impact is significantly greater than either conviction alone. Here are the most common pairings and what they mean for your insurance.

LC20 and IN10

The most common double conviction. If you were driving a vehicle your licence did not cover, it was also technically uninsured for that use, resulting in both an LC20 and an IN10. The combined points can be 9 to 14 and the insurance impact pushes you firmly into the specialist broker market. Read our guide on IN10 car insurance for more detail.

DR10 and BA10

Drink driving while already disqualified is one of the most serious combinations a driver can face. A DR10 alone results in a mandatory ban. If the driver was already disqualified at the time, a BA10 is added alongside it. Finding insurance after this combination requires a very specialist broker and premiums will be extremely high.

SP30 and MS90

A very common pairing. A driver caught by a speed camera ignores the notice to identify the driver, resulting in both an SP30 speeding conviction and an MS90 failure to provide driver identity. The MS90 alone carries 6 points, meaning the combined total can be 9 to 12 points from a single incident, potentially triggering a TT99 totting up ban.

CD10 and IN10

Careless driving that results in an accident frequently leads to an IN10 being issued alongside the CD10 if the vehicle was not properly insured at the time. This combination is particularly common in minor accidents involving younger drivers on restricted or incorrect policies.

DR10 and CD40

If a drink driving incident results in a fatality or serious injury, a CD40 or CD50 will be added alongside the DR10. This is the most serious double conviction combination on this list and places the driver in an extremely limited insurance market. Specialist legal advice should be sought alongside specialist insurance brokers.

CU80 and SP30

Using a mobile phone while speeding is increasingly common and results in both a CU80 and an SP30 being issued. The combined 6 to 12 points from this pairing has a significant impact on premiums, particularly for younger drivers who are already paying higher base rates. Read our guide on car insurance with points on your licence.

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Sources and References

The conviction code data, penalty points and licence duration information on this page is based on the following official and authoritative sources.

  1. assets.publishing.service.gov.uk — DVLA published guidance on endorsement codes and penalty points
  2. legislation.gov.uk — Road Traffic Act 1988 and related statutory instruments
  3. cps.gov.uk — Crown Prosecution Service charging standards for motoring offences
  4. highwaycodeuk.co.uk — Highway Code rules and road traffic regulations
  5. cps.gov.uk — Sentencing guidelines for road traffic offences
  6. nidirect.gov.uk — Northern Ireland driving conviction and endorsement information
  7. gov.uk — Vehicle tax rate tables and DVLA driver licensing information
  8. mib.org.uk — Motor Insurers Bureau data on uninsured driving in the UK
  9. driver-vehicle-licensing.api.gov.uk — DVLA driver licensing API and vehicle enquiry data

This page is for editorial guidance only and does not constitute legal or financial advice. Conviction code details, points and durations are based on standard DVLA guidelines and may be subject to change. Always verify current information at gov.uk.

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Last Updated: 21 March 2026
Reviewed by: Eamonn Turley, Insurance Specialist
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