Compare UT50 Car Insurance – Insurance for UT50 Convictions

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Convictions Car Insurance Comparison

If you have faced a UT50 theft or something taken without permission, you should consider getting car insurance. This will help protect you.

I can help you with that! It is important to compare convicted driver insurance policies in the UK and Northern Ireland. This helps you find the best options for your needs. Insurance for convicted drivers can vary. So, it's good to see what each policy offers. By looking at these insurance options, you can learn about the coverage, costs, and special terms they might have. Make sure to think about your situation and pick the one that fits you well.

Get a competitive insurance quote, even if you have a conviction.

What Is a UT50 Conviction?

A UT50 conviction happens when someone takes a vehicle that does not belong to them. This is not as serious as other crimes. A UT50 includes taking a car without permission, even if the car is not damaged.

A UT50 is a serious driving offence in the UK, which includes Northern Ireland.

Conviction Code Offence Penalty Points Licence Endorsement Duration
UT50 Theft or unauthorised taking of a motor vehicle 3 – 11 points 4 years from date of offence

Fact: A UT50 conviction can still occur even if the vehicle is returned later and is not harmed. The key point is that no permission was given.

Penalties for a UT50 Conviction

Penalty Details
Penalty Points 3 to 11 points added to your driving licence
Fine Unlimited fine possible for serious cases
Driving Ban Very likely with higher points or repeated offences
Licence Endorsement Lasts for 4 years from the date of the offence

Aggravated offences, like aggravated taking of a vehicle, can lead to harsher punishments. This can mean going into custody right away.

How a UT50 Conviction Affects Car Insurance

A UT50 conviction can greatly impact car insurance rates. This happens because it is a serious offence.

Driver Type Average Annual Premium Before Conviction (£) After UT50 Conviction (£)
Standard Driver £450 – £850 £1,300 – £2,800
Convicted Driver (UT50) £550 – £950 £1,500 – £3,200

Key effects:

  • Large insurance companies may not offer a car insurance policy.
  • There are limited options for full coverage.
  • You might face higher down payments and premium payments.

Fact: Some insurance companies see theft convictions, like UT50, the same as dangerous driving and careless driving. They use this when deciding premiums.

How a UT50 Conviction Affects Car Insurance

How Long a UT50 Conviction Stays on Your Record

Conviction Code Endorsement Duration Insurance Impact Period
UT50 4 years 5 years considered by insurers

Even after 4 years, insurance companies still can check your UT50. They can use this information to make quotes for up to 5 years after the date of conviction.

Risk of Disqualification After a UT50 Conviction

A UT50 can lead to a disqualification. This is especially the case if you already have points for:

  • Offences related to traffic light signals.
  • Using a mobile phone while driving.
  • Other driving conviction codes, like dangerous driving or careless driving.
Situation Penalty
12 points within 3 years Minimum 6-month ban
Theft or aggravated offences Longer disqualification or even prison time

Fact: If your UT50 offence involves other crimes like theft or resisting arrest, the punishments can be more severe according to criminal law. This doesn't only apply to motoring law.

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Car Insurance Choices for Drivers After a UT50 Conviction

If you have a UT50 conviction, getting car insurance may be more difficult. However, there are still several types of coverage available to you:

  • Third Party Only Insurance – This insurance covers injuries and damages to other people and their cars. It does not pay for any damage to your own vehicle.
  • Third Party, Fire and Theft Insurance – This type includes coverage if your car is stolen or damaged by fire, in addition to basic third party coverage.
  • Fully Comprehensive Insurance – This offers the best protection. However, it might be difficult to get if you have a theft-related offence in your history.
Insurance Type Protection Provided
Third Party Only Covers damage or injury to others
Third Party, Fire and Theft Also protects your car against theft and fire
Fully Comprehensive Covers your vehicle, third parties, and theft risks

After a UT50 conviction, it is smart to team up with insurance experts. They understand theft-related endorsements very well. They can provide you with quotes that fit your needs.

How to Lower Car Insurance Costs After a UT50 Conviction

How to Lower Car Insurance Costs After a UT50 Conviction

  • Look at quotes from different insurance companies.
  • Select a less powerful car to lower your risk.
  • If you can pay for it, pick a higher voluntary excess.
  • Make sure your national insurance number, driving licence details, and the last digit of your endorsement code are correct.
  • Provide any further details if asked to avoid delays.

FAQs About UT50 Car Insurance

Yes, but you will likely need an insurance company that works with high-risk drivers who have theft issues.

Premiums can rise by 150% to 300%. This increase is due to the seriousness of a UT50 conviction.

You must declare it for five years. This starts from the date of conviction.

Having many penalty points or a serious charge can lead to a disqualification. This doesn’t happen by itself, but it is very possible.

Work with experts who specialise in convicted driver insurance. They can help you get a competitive insurance quote, even if you have theft-related offences.

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Page last updated on: 30/04/2025

Page reviewed by: Shay Ramani

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