Compare AC10 Car Insurance: Best Deals for Convicted Drivers

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Convictions Car Insurance Comparison

  • Look for insurance for drivers with an AC10 offence.
  • Compare specialist insurers to get the best coverage.
  • Reduce your premium after a road accident offence.

What is an AC10 Conviction?

An AC10 conviction happens when a driver does not stop at the scene of a road accident. UK law says drivers must stop, share their details, and help if needed. Not following these rules is a serious offence. This can lead to penalty points, a possible driving ban, and increased car insurance costs.

AC10 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
AC10 Failing to stop after an accident 5 - 10 points 4 years

How an AC10 Conviction Affects Car Insurance

Insurance companies see an AC10 conviction as a higher risk offence. This is because not stopping after an accident shows that a driver may not be responsible. It can also point to careless driving habits.

Estimated AC10 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
AC10 Conviction £90 - £200 £1,080 - £2,400

Fact: AC10 convictions stay on a driving record for four years from the date of the offence. This can impact the costs of convicted driver insurance.

Why an AC10 Conviction Raises Insurance Costs

  • Increased risk – Insurers think drivers who leave the accident scene are more likely to act unsafe again.
  • Limited insurer options – A lot of insurance companies do not cover drivers with serious driving convictions.
  • Higher excess requirements – Some insurers ask for a higher excess because of how serious the conviction is.
  • Restricted policy choices – Some insurers provide only third-party coverage to drivers with AC10.
  • Legal consequences – An AC10 is a criminal record offence in the UK, which makes insurers more careful.
  • Financial Conduct Authority regulations – Insurers must offer fair pricing, but they also need to reduce risks.

How to Reduce AC10 Car Insurance Costs

A driver with a conviction can do several things to reduce their car insurance costs after receiving an AC10 conviction.

  • Compare convicted driver insurance providers – Use expert brokers to get the best deal.
  • Consider black box insurance – A telematics policy lets insurers keep track of how you drive and might lower your costs.
  • Increase your voluntary excess – Choosing a higher excess can lower your monthly payments.
  • Drive a lower-risk vehicle – Cars in lower insurance groups are cheaper to insure.
  • Complete an advanced driving course – This shows insurers you are committed to safer driving.
  • Avoid further offences – Any new driving convictions will raise your insurance costs even more.

Legal Consequences of an AC10 Conviction

Drivers found guilty of an AC10 offence may deal with several legal penalties. This could include paying higher insurance premiums.

  • A licence endorsement adds 5 to 10 penalty points to a driving licence for four years.
  • A driving ban is possible. If the case is serious, the court might issue a driving ban or extend one that is already in place.
  • A criminal record is created by an AC10 conviction. This record can affect job opportunities.
  • The driver may need to go to court if they challenge the offence.
  • Under the rehabilitation of offenders act, the conviction remains unspent for four years. This means drivers must inform insurers about it.
Legal Consequences of an AC10 Conviction

AC10 Conviction vs Other Road Accident Offences

Conviction Code Offence Penalty Points Time on Licence Premium Increase
AC10 Failing to stop after an accident 5 - 10 points 4 years 50% - 100%
AC20 Failing to report an accident 5 - 10 points 4 years 60%+
AC30 Other undefined accident offences 4 - 9 points 4 years 40% - 70%
IN10 Driving without insurance 6 - 8 points 4 years 40% - 100%
DR10 Drink driving 3 - 11 points 11 years 100% - 200%

Fact: According to the Rehabilitation of Offenders Act, an AC10 conviction becomes spent after four years. This means that insurers cannot ask about it after that time.

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Steps to Get the Best AC10 Car Insurance Deal

  1. Gather Required Details – Make sure you have your driving licence, date of the offence, and insurance history ready.
  2. Compare Specialist Insurers – You can use specialist brokers and Free Price Compare's platforms to find good quotes.
  3. Consider Black Box Insurance – Some insurers give lower rates for drivers who agree to be monitored.
  4. Check for Rehabilitation Discounts – Certain insurers might lower your premiums after a sufficient time without any new offences.
  5. Increase Voluntary Excess – Picking a higher excess can help reduce your car insurance premium.
  6. Avoid High-Risk Vehicles – Insurers often charge more for high-performance cars because of the increased risk.

How Long an AC10 Conviction Affects Insurance Costs

An AC10 endorsement stays on a licence for four years. However, it can affect car insurance costs for a longer time.

Conviction Type Licence Duration Time Insurance Costs Are Affected Chance of Finding Affordable Insurance
AC10 4 years 4 - 5 years Limited but possible with specialists
AC20 4 years 4 - 5 years Can find cover but at a higher rate
SP30 4 years 2 - 3 years Easier to find affordable insurance
DR10 11 years 10 - 12 years Requires specialist insurers

FAQs About AC10 Car Insurance

Yes, you might need a specialist broker. This is important because many insurance companies view an AC10 as a higher risk conviction.

An AC10 conviction can raise car insurance premiums by 50% to 100%. The exact amount depends on the seriousness of the offence.

No, it stays on a driving licence for four years. However, it may impact insurance premiums for as long as five years.

Yes, you can lower your costs by picking black box insurance, raising your voluntary excess, and comparing convicted driver insurance companies.

It can affect van insurance, temporary insurance, and even business vehicle cover. This happens because insurers look at the overall risk.

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Page last updated on: 02/04/2025

Page reviewed by: Shay Ramani

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