Compare MS50 Car Insurance – Insurance for MS50 Drivers

  • Save up to £523* on your car insurance
  • 97% of reviewers recommend Free Price Compare
  • Compare car insurance quotes from 120+ insurers
GB
Retrieve Quotes

Don’t have your registration number? No problem, click here.

4000+ reviews

We compare car insurance quotes from 120+ companies...

Wide variety of insurance options available to help you find a suitable policy

Happy Customers

We've served thousands of policies to
thousands of happy customers.

Price Comparison Market

10+ years experience in
the Price Comparison Market.

Car Insurance Companies

We'll display quotes from
120+ car insurance companies.

Convictions Car Insurance Comparison

  • Get car insurance if you have a driving offence from motor racing on the highway.
  • Find insurance that focuses on covering MS50 drivers in the UK.
  • Compare several policies to get the best deal after a driving offence.

What Is an MS50 Conviction?

An MS50 conviction happens when a person drives a vehicle quickly on a public road or motorway. This includes situations where drivers:

  • Join in street racing that is not legal.
  • Set up or support illegal racing events.
  • Get involved in furious driving or competing on public roads.

This offence is important. It affects England, Wales, Scotland, Northern Ireland, and the Isle of Man.

Conviction Code Offence Penalty Points Endorsement Duration
MS50 Motor racing on the highway 3 – 11 points 4 years from date of offence

Fact: The date of the offence and the date of conviction affect how long the MS50 stays on your driving record.

Penalties for an MS50 Conviction

Penalty Details
Penalty Points 3 to 11 points on your driving licence
Fine Unlimited in serious cases
Driving Ban Likely if points are high
Licence Endorsement Lasts for 4 years

Motor racing is considered dangerous driving under the Road Traffic Act. Because of this, it can result in immediate disqualification.

How an MS50 Conviction Affects Car Insurance

An MS50 conviction causes a large increase in car insurance costs. This is because it shows that there is a higher risk.

Driver Type Average Annual Premium Before Conviction (£) After MS50 Conviction (£)
Standard Driver £450 – £850 £1,200 – £2,500
Convicted Driver (MS50) £600 – £1,000 £1,500 – £3,000

Insurance effects:

  • There are not many insurers that want to offer a car insurance policy.
  • Most insurers will want more information about the event.
  • Only some special providers may provide fully comprehensive policies.

Fact: If you have MS50 convictions for theft or serious road use, your insurance costs might go up even higher because of two risk categories.

How an MS50 Conviction Affects Car Insurance

How Long an MS50 Conviction Stays on Your Record

Conviction Code Endorsement Duration Insurance Impact Period
MS50 4 years from offence 5 years considered by insurers

The Financial Conduct Authority (FCA) lets insurance companies consider driving conviction codes for five years from the date of conviction.

Risk of a Driving Ban After an MS50 Conviction

If you have from 3 to 11 points on your MS50, you will probably get a driving ban.

  • You have points for careless driving or for running traffic light signals.
  • You can reach 12 points within a year.
Situation Penalty
Racing in public area Minimum 6-month ban likely
Multiple offences combined Longer disqualification possible

Fact: Not following traffic direction while racing can lead to extra penalty points. This can harm your insurance record.

Get Quotes

Insurance Options After an MS50 Conviction

You still have some coverage choices:

  • Third Party Only: This gives you simple legal protection.
  • Third Party, Fire and Theft: This includes added safety for theft and fire.
  • Comprehensive: This provides complete coverage, but not all companies may offer it.
Cover Type What It Covers
Third Party Damage/injury to others
Third Party, Fire and Theft Adds theft/fire protection
Comprehensive Covers all parties involved

Specialist insurance brokers for convicted drivers can assist you in finding better policies if you have a motor racing conviction.

Driving Safely on Motorways After an MS50 Conviction

Drivers with an MS50 for motor racing are often checked more carefully on motorways. After a conviction, both insurers and police want them to follow motorway rules more closely. This includes:

  • Keep a safe distance from other vehicles.
  • Avoid making sudden lane changes or speeding.
  • Follow all traffic direction signs properly.

Drivers who do not act properly on the motorway may get new points on their records. This can occur with different offence codes. Because of this, they could face harsher penalties or be banned from driving for a longer time.

A second offense for motorway racing can result in a criminal record for dangerous driving.

Medical Fitness and Driving After a Motor Racing Conviction

Even after your driving ban ends, you must still be medically fit to drive. If you had poor eyesight that led to an MS50 incident, like miscalculating distances in a race, you might need:

  • A vision test that the DVLA approves.
  • Get medical confirmation to renew your driving licence.
  • Give a vision report if it is requested.

Not meeting these rules can prevent you from getting your licence back. This may also impact your chances of getting a new car insurance policy.

How to Lower Car Insurance Costs After an MS50 Conviction

How to Lower Car Insurance Costs After an MS50 Conviction

  • Compare quotes from several insurance experts.
  • Choose a small car that has low power.
  • Increase your voluntary excess to reduce your premiums.
  • Ensure your driving licence and national insurance number are up to date with the DVLA.
  • Avoid repeating offences like motor racing or furious driving.

FAQs About MS50 Car Insurance

Yes, you may need to look for a special insurer that provides coverage for high-risk drivers after motor racing offenses.

Insurance costs can go up by 150% to 300% if you have an MS50 conviction. This increase depends on your driving record.

You should announce the sentence of five years starting from the date of conviction.

Yes, this is often true. It matters a lot if your number of points is around 11. It is also important if you have other driving offenses.

Work with expert brokers who specialise in insurance for drivers with convictions. It is important to maintain a clean driving record after your offence.

Car Insurance Comparison

Car Insurance Provider

Page last updated on: 29/04/2025

Page reviewed by: Shay Ramani

4000+ reviews