Compare AC30 Car Insurance – Cover for Convicted Drivers

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Convictions Car Insurance Comparison

  • Looking for affordable car insurance for drivers with an AC30 conviction?
  • Compare different policies from expert insurers to save money.
  • Get the proper coverage after an AC30 driving offence.

What is an AC30 Conviction?

An AC30 conviction is given for undefined accident offences. This shows that the driver was part of a motoring offence linked to an accident. However, they did not fit into the exact categories of other driving conviction codes. Examples are AC10 (not stopping) or AC20 (not reporting). The seriousness of the offence and the number of points given vary based on the situation.

AC30 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
AC30 Other undefined accident offences 4 - 9 points 4 years

Fact: The penalty points for an AC30 conviction depend on the judgement of the case. Serious incidents may result in a driving ban or disqualification.

How an AC30 Conviction Affects Car Insurance

Drivers who have an AC30 conviction are seen as higher risk by insurance companies. This means they often pay more for car insurance. Insurers believe the chance of an event of a claim is greater for these drivers.

Estimated AC30 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
AC30 Conviction £85 - £180 £1,020 - £2,160

Fact: Some insurance companies might only provide third-party coverage for drivers who have a motoring conviction. Others may not offer any coverage at all.

Why an AC30 Conviction Raises Insurance Costs

  • Drivers who have an AC30 are considered higher risk. This causes higher premiums.
  • Some insurance companies will not offer coverage. This results in fewer policy choices.
  • Certain providers will require higher amounts to pay out when there is a claim.
  • There are more limits on coverage. Many insurers only provide third-party insurance.
Why an AC30 Conviction Raises Insurance Costs

Legal Consequences of an AC30 Conviction

An AC30 conviction leads to penalty points. These points remain on the driving record for four years. There may be other legal consequences based on the severity of the offence.

  • A fine could be given in more serious situations.
  • Some drivers might lose their right to drive.
  • If a mobile phone was part of the accident, there may be extra penalties.
  • Drivers who are convicted might have a harder time getting affordable driver insurance.

Fact: According to the rehabilitation of offenders act, an AC30 conviction is no longer valid after four years. This means that insurers cannot ask about it after this time.

AC30 Conviction vs Other Driving Offences

Conviction Code Offence Penalty Points Time on Licence Premium Increase
AC30 Undefined accident offences 4 - 9 points 4 years 40% - 70%
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%+
DR10 Drink driving 3 - 11 points 11 years 100% - 200%
IN10 Driving without insurance 6 - 8 points 4 years 40% - 100%

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How to Reduce AC30 Car Insurance Costs

After an AC30 conviction, you can lower your car insurance costs by taking smart steps. It is important to show insurance companies that you are a safer driver now. Even convicted drivers can discover affordable insurance options by choosing the right policies and proving good driving habits.

Steps to Lower AC30 Insurance Premiums

  • Compare convicted driver insurance providers – Special insurers may give better rates for high-risk drivers.
  • Consider black box insurance – A telematics policy can track how you drive and might lower your costs.
  • Increase voluntary excess – If you pick a higher excess, it could lessen your monthly payments.
  • Drive a lower insurance group vehicle – Cars in lower insurance groups usually cost less to insure.
  • Complete an advanced driving course – Some insurers may offer discounts for drivers who upgrade their skills.
  • Maintain a clean driving record – A clear record helps lower your future insurance costs.
  • Look for rehabilitation discounts – Some insurers will lower costs after you've been conviction-free for a while.

FAQs About AC30 Car Insurance

Yes, many insurance companies see it as a higher risk. They may only provide coverage through specialist convicted driver insurance.

An AC30 conviction can raise car insurance costs by 40% to 70%. This change depends on how severe the offence is.

No, it stays on a driving licence for four years. However, insurers might charge higher premiums for up to five years.

Yes, you can save money by choosing black box insurance. You can also increase your voluntary excess. Additionally, consider using specialist insurers that have policies for convicted drivers.

Yes, drivers with an AC30 conviction might pay more for van insurance and regular car insurance.

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Page last updated on: 02/04/2025

Page reviewed by: Shay Ramani

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