Compare MS80 Car Insurance – Cover for MS80 Convictions

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Convictions Car Insurance Comparison

  • Get insurance even if you turned down an eyesight test.
  • Look for insurance choices for convicted drivers in GB and Northern Ireland.
  • Compare quotes to find the best deal, even with a driving offence.

What Is an MS80 Conviction?

An MS80 conviction occurs when a driver does not take a required eyesight test. Police can ask for this test right away if they think there is a vision problem after an accident or during a traffic stop.

This is true all over the UK. This includes England, Wales, Scotland, Northern Ireland, and the Isle of Man.

Conviction Code Offence Penalty Points Licence Endorsement Duration
MS80 Refusing to submit to an eyesight test 3 points 4 years from date of offence

Fact: Saying no to an eyesight test is a motoring offence. This is true even if there is no accident.

Penalties for an MS80 Conviction

Penalty Details
Penalty Points 3 points on your driving licence
Fine Up to £1,000 depending on severity
Licence Endorsement Stays on driving record for 4 years
Driving Ban Possible if linked to other offences like careless driving

If you have a provisional licence, getting an MS80 can make it harder for you to upgrade to a full licence without taking more tests.

How an MS80 Conviction Affects Car Insurance

An MS80 can affect car insurance rates. It indicates a higher risk to insurance companies.

Driver Type Average Annual Premium Before Conviction (£) After MS80 Conviction (£)
Standard Driver £450 – £800 £700 – £1,400
Convicted Driver (MS80) £550 – £950 £1,000 – £1,800

Key effects:

  • There is a better chance of getting a third-party only cover.
  • You have limited choices for full comprehensive policies.
  • Insurers may ask for more information if you skipped a test after an accident.

Fact: Small text files, known as cookies, can keep your insurance search history. If you clear them, it may help you find better quotes after a conviction.

How an MS80 Conviction Affects Car Insurance

How Long an MS80 Conviction Stays on Your Record

Conviction Code Endorsement Duration Insurance Impact Period
MS80 4 years from date of offence 5 years considered by insurers

Insurers that are regulated by the Financial Conduct Authority (FCA) can consider your driving conviction for five years starting from the date of conviction.

Risk of a Driving Ban After an MS80 Conviction

A single MS80 might not lead to an automatic driving ban. However, if you have several offences together, the chance of getting a ban goes up, especially with:

  • Dangerous driving convictions.
  • Using a mobile phone while driving.
  • Ignoring traffic light signals or causing undefined accident offences.
Situation Penalty
Accumulate 12 points within 3 years Minimum 6-month driving ban
Repeat refusal of tests Possible longer disqualification

Fact: If you do not complete an eyesight test, you could be disqualified right away. This can happen if officers think you are a risk to others.

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Car Insurance Options After an MS80 Conviction

You can still find suitable car insurance:

  • Third Party Only: This type covers injuries and damage to other people.
  • Third Party, Fire and Theft: This adds protection for theft and fire.
  • Fully Comprehensive: This covers your vehicle and other vehicles, but fewer companies may provide it.
Cover Type What It Covers
Third Party Injuries and damages to others
Third Party, Fire and Theft Theft and fire cover
Comprehensive All parties and your own vehicle

Specialist insurance providers for convicted drivers are often necessary for MS80 offences.

How to Lower Car Insurance Costs After an MS80 Conviction

How to Lower Car Insurance Costs After an MS80 Conviction

  • Use comparison tools to find quotes from several insurance providers.
  • Choose a safer vehicle if you can.
  • Accept a higher voluntary excess.
  • Keep your national insurance number, last digit of your licence number, and other information updated with the DVLA.
  • Stay clear of more driving offences to improve your driving record.

FAQs About MS80 Car Insurance

Specialist insurers can assist you in finding coverage, even if you have been denied after an eyesight test.

Premiums can go up by 50% to 100% based on your history and the rules of different insurance providers.

You need to declare an MS80 for five years from the date of conviction. This is true even though the endorsement only lasts four years.

It can happen if you already have penalty points from other problems, like careless driving or dangerous driving.

Make sure to look at different options for insurance if you have been convicted of a driving offense. It is also important to check that your licence details are correct with the DVLA.

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Page last updated on: 30/04/2025

Page reviewed by: Shay Ramani

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