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Convictions Car Insurance Comparison

  • Car insurance for BA10 & BA30 convictions
  • Specialist cover for disqualified drivers
  • Compare and find the best policy

What is a BA10 or BA30 Conviction?

A BA10 or BA30 motoring offence happens when someone drives or tries to drive a car while banned. This is a serious offence. It can result in penalty points, higher insurance costs, and possible legal trouble.

Conviction Code Offence Penalty Points Time on Licence
BA10 Driving while disqualified by a court 6 4 years
BA30 Attempting to drive while disqualified 6 4 years

Fact: In the UK, if you drive when you are disqualified, you may get a longer disqualification. You might have to do community service, pay fines, or go to prison.

How a BA Conviction Affects Car Insurance

Having a BA10 or BA30 conviction means you are seen as a higher-risk driver. This can make it much harder for you to find car insurance that is affordable.

  • Higher costs – Drivers with a criminal record may have to pay 50% to 150% more for car insurance.
  • Fewer choices – Many insurance companies do not provide coverage for drivers with serious offences.
  • Specialised insurers needed – Some insurers focus on drivers with convictions and offer special coverage.
  • Tougher policy rules – A few providers might require black box insurance or higher voluntary excess.

Estimated Insurance Cost for BA Convictions

Conviction Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard UK Driver (No Convictions) £40 - £90 £480 - £1,080
BA10 Conviction (Driving While Disqualified) £90 - £180 £1,080 - £2,160
BA30 Conviction (Attempting to Drive While Disqualified) £85 - £170 £1,020 - £2,040

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BA10 Car Insurance – Driving While Disqualified

A BA10 conviction occurs when a person drives a car when they are not allowed to. This can result in:

  • You will receive 6 penalty points on your driving licence.
  • A record will stay on your licence for four years from the date of the conviction.
  • Your insurance costs might go up because of the higher risk for insurers.

How to Reduce Insurance Costs After a BA10 Conviction

  • Compare providers of convicted driver insurance. This way, you can find the best policy.
  • Consider telematics insurance. A black box insurance plan tracks your driving. It could lower your payments.
  • Increase your voluntary excess. A higher voluntary excess can reduce your monthly costs.
  • Choose a third-party policy. Third-party fire and theft insurance may be cheaper than full coverage.
  • Drive a safer car. The type of car you drive can affect the cost of car insurance.

BA30 Car Insurance – Attempting to Drive While Disqualified

A BA30 conviction occurs when a driver attempts to operate a vehicle despite being banned from it. If you are found guilty, you will face:

  • Six penalty points will be added to your driving record.
  • A criminal record might impact your future insurance applications.
  • You may face a longer driving ban or additional legal issues.

How to Find Affordable BA30 Car Insurance

  • Look for insurance companies that provide convicted driver insurance.
  • Choose black box insurance to show that you drive safely.
  • Increase your voluntary excess to lower your premium.
  • Avoid getting more driving convictions to save money in the future.
  • Consider temporary car insurance if you need coverage for a short while.

How to Get the Best Car Insurance for BA Convictions

Having a BA10 or BA30 conviction can make it tough to find cheap car insurance. But it is still possible to get it. The easiest way to find coverage is to compare driver insurance policies from special insurance providers.

Steps to Get Insurance After a BA Conviction

  1. Gather your details – Get your driving licence, offence details, and registration number ready.
  2. Compare insurance providers – Look for companies that offer convicted driver insurance.
  3. Choose the best value policy – Pick an insurance policy that fits your individual circumstances.
  4. Check for rehabilitation discounts – Some insurers may support spent convictions under the Rehabilitation of Offenders Act.
  5. Apply online or talk to an insurer – Some policies might need direct approval due to the severity of the offence.
How to Get the Best Car Insurance for BA Convictions

Fact: Some insurers do not cover drivers with unspent criminal convictions. It is important to choose an insurer that the FCA regulates.

Compare BA10 and BA30 Car Insurance – Key Differences

Factor BA10 Conviction BA30 Conviction
Offence Driving while disqualified Attempting to drive while disqualified
Penalty Points 6 points 6 points
Time on Licence 4 years 4 years
Premium Increase 50% - 150% 50% - 140%
Insurance Availability Limited – Requires specialist insurers Limited – Requires specialist insurers

Comparison of BA10 & BA30 Convictions vs. Other Driving Convictions

Conviction Code Offence Penalty Points Time on Licence Typical Premium Increase
BA10 Driving while disqualified 6 points 4 years 50% - 150%
BA30 Attempting to drive while disqualified 6 points 4 years 50% - 140%
IN10 Driving without insurance 6 - 8 points 4 years 40% - 100%
SP30 Speeding 3 - 6 points 4 years 10% - 50%
DR10 Drink driving 3 - 11 points 11 years 100% - 200%

How Long Different Driving Convictions Affect Insurance

Conviction Type Duration on Licence Duration Affecting Insurance Chance of Finding Affordable Insurance
BA10 (Driving While Disqualified) 4 years 4 - 5 years Limited but possible through specialist insurers
BA30 (Attempting to Drive While Disqualified) 4 years 4 - 5 years High-risk, may need black box insurance
IN10 (No Insurance) 4 years 4 - 5 years Can find insurance but at higher costs
SP30 (Speeding) 4 years 2 - 3 years Easy to find affordable options after 2 years
DR10 (Drink Driving) 11 years 10 - 12 years Limited insurers, significantly higher costs

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FAQs About BA10 and BA30 Car Insurance

You may need a specific insurance provider. A lot of regular insurance companies view BA10 and BA30 as high-risk.

Your insurance cost could go up by two or three times. This change is based on how serious the offence is and your driving record.

BA10 and BA30 convictions stay on your licence for four years. After that time, they turn into spent convictions. When they are spent, insurance companies might not pay attention to them anymore.

Yes, you can get temporary car insurance even if you have banned driver insurance. However, it will probably be more expensive than regular car insurance policies.

  • Check out various insurance companies if you have driving convictions.
  • Consider black box insurance to prove that you are a safe driver.
  • Choose between a third-party policy or a telematics policy.
  • Try not to get more driving convictions.

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Page last updated on: 30/04/2025

Page reviewed by: Shay Ramani

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