a simple guide to getting it right when buying insurance

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No Claims Discount Expires After 2 Years | Protected No Claims Discount Does Not Protect Your Premium | Manipulating Your Details to Gain a Better Price Could Invalidate Your Policy | You Don't Automatically Get Driving Other Cars With Comprehensive Cover | Should I Send Copies of Documents to My Broker/Insurer? Yes | Each Policy Earns It's Own No Claims Discount, You Can't Use It Twice | Insuring Your Child's Car In Your Name Is Called Fronting And Is Fraud! | Don't Assume Your Company Car No Claims Discount Will Be Accepted By Your New Insurer - Check First! | Counterpart Licences Abolished, You May Still Have To Provide a Code From DVLA to your Underwriters to Check Your Details | Motorbility Policies Do Not Earn a No Claims Discount | Motoring Endorsements Are Declarable For 5 Years

Aiding, abetting, counselling or procuring offences

For these offences, the codes are similar, but with the number 0 on the code changed to 2.

For example, code LC20 (driving otherwise than in accordance with a licence) becomes code LC22 on your driving record if you have helped someone to do this.

Causing or permitting offences

For these offences, the codes are similar, but with the number 0 on the code changed to 4.

For example, LC20 (driving otherwise than in accordance with a licence) becomes LC24 on your licence if you’ve caused or permitted someone to do this.

Inciting offences

For these offences, the codes are similar, but with the number 0 on the code changed to 6.

For example, DD40 (dangerous driving) becomes DD46 on your driving record if you’ve incited someone to do this.

The UK operates a points system if you receive a motoring conviction.  Your licence will get an ‘Endorsement’ and there is a code that relates to that conviction on your licence.  You can get from 1 to 11 points on your licence and 12 points will normally mean a disqualification/ban from driving for a period of 1 to 36 months.  If the offence is serious enough it could also be deemed a criminal offence and a custodial sentence can be handed down.

The table below shows the offence codes that you can get on your driving record. It shows how many penalty points you can get and how long it stays on your licence for.  You still have to declare convictions to your insurer for 5 years under the Rehabilitation of offenders Act.  

Offence codes and penalty points must stay on your driving record for 4 or 11 years depending on the offence.  Again, do not confuse this period of time with what you have to declare to your insurer as it is different!

Jump to the Conviction Code – Click letters the code starts with to see the definition:    

   AC | BA | CD | CU | DD | DR | DG | IN | LC | MR | MS | MW | PC | SP | TS | TT | UT | XX

Motoring Endorsements or Motoring Convictions and Non-Endorsable Fixed Penalties

For Non-Endorsable Fixed Penalties - Click Here to download the PDF from Kent Police, please note it’s likely to be the same for all Police forces in England.  Check with you local constabulary

Code

Offence

Penalty Points*

Must Stay on Driving Record for

AC10

Failing to stop after an accident

5 to 10

4 Years From Offence Date

AC20

Failing to give particulars or report an accident within 24 hours

5 to 10

4 Years From Offence Date

AC30

Undefined accident offences

4 to 9

4 Years From Offence Date

Accident Offences

Disqualified Driver Offences

Code

Offence

Penalty Points*

Must Stay on Driving Record for

BA10

Driving while disqualified by order of court

6

4 Years From Offence Date

BA20

Driving while disqualified as under age

6

4 Years From Offence Date

BA30

Attempting to drive while disqualified by order of court

6

4 Years From Offence Date

BA40

Causing death by driving while disqualified

3 to 11

4 Years From Date of Conviction

BA60

Causing serious injury by driving while disqualified

3 to 11

4 Years From Date of Conviction

Careless Driving Offences

Code

Offence

Penalty Points

Must Stay on Driving Record for

CD10

Driving without due care and attention

3 to 9

4 Years From Offence Date

CD20

Driving without reasonable consideration for other road users

3 to 9

4 Years From Offence Date

CD30

Driving without due care and attention or without reasonable consideration for other road users

3 to 9

4 Years From Offence Date

CD40

Causing death through careless driving when unfit through drink

3 to 11

11 Years from Date of Conviction

CD50

Causing death by careless driving when unfit through drugs

3 to 11

11 Years from Date of Conviction

CD60

Causing death by careless driving with alcohol level above the limit

3 to 11

11 Years from Date of Conviction

CD70

Causing death by careless driving then failing to supply a specimen for alcohol analysis

3 to 11

11 Years from Date of Conviction

CD80

Causing death by careless, or inconsiderate, driving

3 to 11

4 Years from Date of Conviction

CD90

Causing death by driving: unlicensed, disqualified or uninsured drivers

3 to 11

4 Years from Date of Conviction

Code

Offence

Penalty Points

Must Stay on Driving Record for

CU10

Using a vehicle with defective brakes

3

4 Years From Offence Date

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 Years From Offence Date

CU30

Using a vehicle with defective tyre(s)

3

4 Years From Offence Date

CU40

Using a vehicle with defective steering

3

4 Years From Offence Date

CU50

Causing or likely to cause danger by reason of load or passengers

3

4 Years From Offence Date

CU60

Undefined failure to comply with Construction and Use Regulations

3

4 Years From Offence Date

CU80

Breach of requirements as to control of the vehicle, mobile telephone etc

3

4 Years From Offence Date

Construction and Use Offences

Reckless/Dangerous Driving Offences

Code

Offence

Penalty Points

Must Stay on Driving Record for

DD10

Causing serious injury by dangerous driving

3

4 Years From Date of Conviction

DD40

Dangerous driving

3

4 Years From Date of Conviction

DD60

Manslaughter or culpable homicide while driving a vehicle

3 to 11

4 Years From Date of Conviction

DD80

Causing death by dangerous driving

3 to 11

4 Years From Date of Conviction

DD90

Furious driving

3 to 9

4 Years From Date of Conviction

Drink Driving Offences

Code

Offence

Penalty Points

Must Stay on Driving Record for

DR10

Driving or attempting to drive with alcohol level above limit

3 to 11

11 Years From Date of Conviction

DR20

Driving or attempting to drive while unfit through drink

3 to 11

11 Years From Date of Conviction

DR30

Driving or attempting to drive then failing to supply a specimen for analysis

3 to 11

11 Years From Date of Conviction

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 Years From Date of Conviction

DR40

In charge of a vehicle while alcohol level above limit

3 to 9

4 Years From Offence Date

DR50

In charge of a vehicle while unfit through drink

10

4 Years From Offence Date

DR60

Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive

10

4 Years From Offence Date

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 Years From Date of Conviction

DR70

Failing to provide specimen for breath test


4 Years From Offence Date

Code

Offence

Penalty Points

Must Stay on Driving Record for

DG10

Driving or attempting to drive with drug level above the specified limit

3 to 11

11 Years From Date of Conviction

DG40

In charge of a vehicle while drug level above specified limit

10

4 Years From Date of Offence

DG60

Causing death by careless driving with drug level above the limit

3 to 11

11 Years From Date of Conviction

DR80

Driving or attempting to drive when unfit through drugs

3 to 11

11 Years From Date of Conviction

DR90

In charge of a vehicle when unfit through drugs

10

4 Years From Date of Offence

Drugs Driving Offences

Insurance Offences/No Insurance Offences

Code

Offence

Penalty Points

Must Stay on Driving Record for

IN10

Using a vehicle uninsured against third party risks

6 to 8

4 Years From Date of Offence

Licence Offences

Code

Offence

Penalty Points

Must Stay on Driving Record for

LC10

Driving without a licence

3 to 6

4 Years From Date of Offence

LC20

Driving otherwise than in accordance with a licence

3 to 6

4 Years From Date of Offence

LC30

Driving after making a false declaration about fitness when applying for a licence

3 to 6

4 Years From Date of Offence

LC40

Driving a vehicle having failed to notify a disability

3 to 6

4 Years From Date of Offence

LC50

Driving after a licence has been revoked or refused on medical grounds

3 to 6

4 Years From Date of Offence

Miscellaneous Offences

Code

Offence

Penalty Points

Must Stay on Driving Record for

MS10

 Leaving a vehicle in a dangerous position

3

4 Years From Date of Offence

MS20

Unlawful pillion riding

3

4 Years From Date of Offence

MS30

Play street offences

2

4 Years From Date of Offence

MS50

Motor racing on the highway

3 to 11

4 Years From Date of Offence

MS60

Offences not covered by other codes (including offences relating to breach of requirements as to control of vehicle)

3

4 Years From Date of Offence

MS70

Driving with uncorrected defective eyesight

3

4 Years From Date of Offence

MS80

Refusing to submit to an eyesight test

3

4 Years From Date of Offence

MS90

Failure to give information as to identity of driver etc

6

4 Years From Date of Offence

Motorway Offences

Code

Offence

Penalty Points

Must Stay on Driving Record for

MW10

Contravention of special roads regulations (excluding speed limits)

3

4 Years From Date of Offence

Pedestrian crossings Offences

Code

Offence

Penalty Points

Must Stay on Driving Record for

PC10

Undefined contravention of pedestrian crossing regulations

3

4 Years From Date of Offence

PC20

Contravention of pedestrian crossing regulations with moving vehicle

3

4 Years From Date of Offence

PC30

Contravention of pedestrian crossing regulations with stationary vehicle

3

4 Years From Date of Offence

Code

Offence

Penalty Points

Must Stay on Driving Record for

SP10

Exceeding goods vehicle speed limits

3 to 6

4 Years From Date of Offence

SP20

Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)

3 to 6

4 Years From Date of Offence

SP30

Exceeding statutory speed limit on a public road

3 to 6

4 Years From Date of Offence

SP40

Exceeding passenger vehicle speed limit

3 to 6

4 Years From Date of Offence

SP50

Exceeding speed limit on a motorway

3 to 6

4 Years From Date of Offence

SP60

Undefined speed limit offence


3 to 6

4 Years From Date of Offence

Speed limit Offences

Traffic Directions/Signs Offences

Code

Offence

Penalty Points

Must Stay on Driving Record for

TS10

Failing to comply with traffic light signals

3

4 Years From Date of Offence

TS20

Failing to comply with double white lines

3

4 Years From Date of Offence

TS30

Failing to comply with ‘stop’ sign

3

4 Years From Date of Offence

TS40

Failing to comply with direction of a constable/warden

3

4 Years From Date of Offence

TS50

Failing to comply with traffic sign (excluding ‘stop’ signs, traffic lights or double white lines)

3

4 Years From Date of Offence

TS60

Failing to comply with a school crossing patrol sign


4 Years From Date of Offence

TS70

Undefined failure to comply with a traffic direction sign


4 Years From Date of Offence

Special code - Totting Up Offences

Code

Offence

Penalty Points

Must Stay on Driving Record for

TT99

It shows disqualification under ‘totting-up’ - if the total of penalty points reaches 12 or more within 3 years, the driver can be disqualified

Ban - Length Depends on Court, But usually 6 - 12 Months

4 Years From Date of Conviction

Theft or Unauthorised Taking Offences

Code

Offence

Penalty Points

Must Stay on Driving Record for

UT10

Taking and driving away a vehicle without consent or attempt there at

3 to 11

4 Years From Date of Offence

UT20

Stealing or attempting to steal a vehicle

3 to 11

4 Years From Date of Offence

UT30

Going equipped for stealing or taking a motor vehicle

3 to 11

4 Years From Date of Offence

UT40

Taking or attempting to take a vehicle without consent

3 to 11

4 Years From Date of Offence

UT50

Aggravated taking of a vehicle

3 to 11

4 Years From Date of Offence

Special code - Disqualification for Totting Up Offences

Code

Offence

Penalty Points

Must Stay on Driving Record for

XX99

Disqualified under 'Totting-Up' procedure

Ban - Length Depends on Court, But usually 6 - 12 Months

4 Years From Date of Conviction

‘Mutual Recognition’ Codes

Code

Offence

Penalty Points

Must Stay on Driving Record for

MR09

Aggravated taking of a vehicle

Disqualification Gained while driving in Northern Ireland, Isle of Man or the Republic of Ireland

4 Years From Date of Offence

MR19

Reckless or dangerous driving (whether or not resulting in death, injury or serious risk)

Disqualification Gained while driving in Northern Ireland, Isle of Man or the Republic of Ireland

4 Years From Date of Offence


MR29

Wilful failure to carry out the obligation placed on driver after being involved in a road accident (hit or run)

Disqualification Gained while driving in Northern Ireland, Isle of Man or the Republic of Ireland

4 Years From Date of Offence


MR39

Driving a vehicle while under the influence of alcohol or other substance affecting or diminishing the mental and physical abilities of a driver

Disqualification Gained while driving in Northern Ireland, Isle of Man or the Republic of Ireland

4 Years From Date of Offence


MR49

Driving a vehicle faster than the permitted speed

Disqualification Gained while driving in Northern Ireland, Isle of Man or the Republic of Ireland

4 Years From Date of Offence


MR59

Other conduct constituting an offence for which a driving disqualification has been imposed by the State of Offence

Disqualification Gained while driving in Northern Ireland, Isle of Man or the Republic of Ireland

4 Years From Date of Offence


Driver being Stopped by Police. Credit https://www.flickr.com/photos/westmidlandspolice/6613046827