Compare AC20 Car Insurance – Cover for Convicted Drivers

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Convictions Car Insurance Comparison

  • A special car insurance for drivers with an AC20 driving conviction.
  • Find insurers that offer coverage for AC20 driving offences.
  • Lower your costs after an AC20 driving conviction.

What is an AC20 Conviction?

An AC20 conviction occurs when a driver does not report an accident within 24 hours, which UK law says is necessary. Drivers involved in the accident must stop and share their driving licence information. Failing to do this is a serious offence. It can lead to penalty points, a driving ban, and higher car insurance costs.

AC20 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
AC20 Failure to report an accident 5 - 10 points 4 years

How an AC20 Conviction Affects Car Insurance

Insurance companies view an AC20 driving conviction as a high-risk offence. They feel this type of conviction shows a driver's lack of responsibility and careless driving habits.

Estimated AC20 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
AC20 Conviction £90 - £210 £1,080 - £2,520

Fact: Some insurance companies may not offer any coverage. This makes drivers search for convicted driver insurance from special insurers.

Why an AC20 Conviction Raises Insurance Costs

  • Increased risk – Drivers with an AC20 endorsement may ignore the law more often.
  • Fewer insurer options – Many insurance companies do not cover drivers with an AC20 conviction.
  • Higher excess requirements – Some insurers may ask for a higher excess due to the increased risk.
  • Limited policy choices – A few insurers only offer third-party coverage for drivers with a conviction.
  • Possible driving ban – Courts can give a driving ban based on the case.
Why an AC20 Conviction Raises Insurance Costs

Legal Consequences of an AC20 Conviction

An AC20 conviction has serious legal effects. It can change your driving record. It may also impact your chances of getting insurance later on.

  • Licence endorsement – A driver can get 5 to 10 penalty points on their driving licence. These points stay for four years.
  • Court appearance – If the driver disagrees with the case, they may need to go to court.
  • Criminal record – A driver will have an AC20 offence marked on their driver’s licence. This can affect job opportunities.
  • Driving ban – A court could impose a driving ban in serious cases.
  • Fines or prosecution – Not reporting an accident might lead to a fine or more legal issues.

Fact: The Rehabilitation of Offenders Act says that an AC20 conviction is forgotten after four years. This means that insurers can’t ask you about it after that time.

AC20 Conviction vs Other Motoring Offences

Conviction Code Offence Penalty Points Time on Licence Premium Increase
AC20 Failing to report an accident 5 - 10 points 4 years 60%+
AC10 Failing to stop after an accident 5 - 10 points 4 years 50% - 100%
AC30 Other accident offences 4 - 9 points 4 years 40% - 70%
SP30 Speeding 3 - 6 points 4 years 10% - 50%
IN10 Driving without insurance 6 - 8 points 4 years 40% - 100%

How Long an AC20 Conviction Affects Insurance Costs

An AC20 endorsement lasts on a licence for four years. Still, it can impact car insurance for a longer period.

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

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How to Reduce AC20 Car Insurance Costs

Lowering your car insurance costs after an AC20 conviction requires careful actions. You must demonstrate to insurers that you are now a safer driver. This way, you can find cheaper convicted driver insurance and reduce the long-term financial effects.

Gather Your Driving Details

Before you search for car insurance, be sure to have your driving licence information and details about any convictions ready. Insurers will ask for this information:

  • Driver’s licence details – This must have any penalty points and endorsements.
  • Date of the offence – You need to share with insurers the date of conviction.
  • Driving history – Previous driving convictions or claims can change your price.
  • Car details – The make, model, and insurance group of your car can affect your premium.

Compare Specialist Insurers for the Best Deal

Many regular insurance companies will not cover drivers with AC20 convictions. They view these drivers as a higher risk. But, there are special insurers and brokers who can offer convicted driver insurance. Their quotes are often more affordable.

  • Use specialist brokers – These brokers help high-risk drivers. They can give you better price choices.
  • Check FCA-regulated insurers – Make sure to pick insurers that are registered with the Financial Conduct Authority (FCA).
  • Use online comparison tools – Tools like Free Price Compare help you compare several policies at once.
  • Ask about flexible payment options – Some insurers offer monthly payment plans to help you manage costs.

Consider Black Box Insurance (Telematics Policies)

A black box insurance policy monitors your driving. It can prove that you drive safely. This might lower your premium, especially if you have an AC20 conviction.

  • Monitors speed, braking, and acceleration – Keeping an eye on these can help you have safer driving habits and lower premiums.
  • Encourages responsible driving – Avoiding careless driving and speeding can help you save money in the long run.
  • May be needed by some insurers – A few insurance companies ask for telematics from drivers who have had convictions.
  • Helps build a clean driving record – A good driving record after a conviction can give you better quotes in the future.

Increase Your Voluntary Excess

Raising your voluntary excess can help reduce your monthly insurance costs. But remember, this means you will need to pay more money if you make a claim.

  • Choose a higher amount you can afford – A bigger amount can lower your payments, but be sure you can pay it if needed.
  • Higher amount = lower risk for insurers – Insurers see a bigger chosen amount as a sign you are responsible with money.
  • Look at different amounts in policies – Some policies might have lower payments even if they have a smaller amount.

Consider Third-Party Risks Cover

Choosing only a third-party policy or a third-party, fire & theft policy can save you money compared to a fully comprehensive plan.

  • Third-party only – Covers damage to other cars, but not yours.
  • Third-party, fire & theft – Offers added protection against theft and fire damage.
  • Fully comprehensive may not be cheaper – Even though it includes more coverage, some insurers might still charge less than third-party only.

Look for Rehabilitation Discounts

Some insurance companies reduce premiums for drivers with AC20 convictions. This occurs when those drivers have been without more driving convictions for a specific amount of time.

  • Check if discounts apply – Some insurers may reduce costs after two or three years.
  • Complete an advanced driving course – This shows that you care about safer driving.
  • Maintain a clean driving record – Avoid getting new driving convictions or penalty points.
  • Consider a smaller engine vehicle – Cars that belong to lower insurance groups are cheaper to insure.

FAQs About AC20 Car Insurance

Yes, you may need a specialist broker. This is due to the fact that most insurance companies see AC20 drivers as a higher risk.

Insurance costs can increase by 60% or even higher. This often depends on how serious the conviction is.

An AC20 conviction stays on your driving record for four years. Still, insurers may ask for higher premiums for up to five years.

Sure, you can pick black box insurance. It's also a good idea to compare convicted driver insurance. Consider increasing your voluntary excess as well.

Drivers with an AC20 conviction might have to pay higher rates for both van insurance and car insurance.

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Page last updated on: 02/04/2025

Page reviewed by: Shay Ramani

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