Compare BA20 Car Insurance: Best Cover for Underage Offences

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Convictions Car Insurance Comparison

What is a BA20 Conviction?

A BA20 conviction happens when a driver who is under 17 is found driving while banned. This is a serious offence in UK law. It can result in a driving ban, penalty points, and higher insurance costs.

BA20 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
BA20 Driving while disqualified underage 6 points 4 years

How a BA20 Conviction Affects Insurance Costs

A BA20 conviction puts drivers in the higher risk group. This makes it tough to find cheaper car insurance. Insurance companies set much higher rates because this driving offence is a serious violation of the law.

Typical BA20 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
BA20 Conviction £90 - £200 £1,080 - £2,400

Fact: Some insurance providers might ask for a black box insurance policy. This policy helps to track the driving history of a BA20 driver before they give coverage.

How BA20 Convictions Affect Provisional Licence Holders

If a driver holds a provisional licence and gets convicted of a BA20 offence, they will have special restrictions. These restrictions could impact their future licence applications.

  • Revocation of provisional licence – A BA20 conviction can cause a provisional licence to be cancelled. This means the driver has to reapply for it all over again.
  • Extended learning period – After a BA20 conviction, it becomes even more expensive for new drivers to get insurance. This makes it tough to afford practice driving.
  • Stricter test requirements – Some drivers may need to complete an extended driving test before they can get their driving licence back.
  • Higher insurance premiums – First-time drivers with a BA20 offence usually face higher excess and insurance costs. This happens because they are inexperienced and have a driving conviction.

Why a BA20 Conviction Raises Insurance Costs

  • Higher risk – Drivers with a BA20 conviction are seen as more likely to break traffic laws again. This leads insurers to charge them higher premiums.
  • Limited insurer options – Many regular insurance providers will not cover underage or disqualified drivers. This leaves specialist insurers as the only choice.
  • Higher excess requirements – Some insurers may ask for a higher excess. This means drivers need to pay more out of pocket before they can make a claim.
  • Restricted policy choices – A lot of insurers may only offer third-party cover. This limits options for more complete protection.
  • Increased financial risk to insurers – If a BA20 driver makes a claim, insurers believe there is a higher chance of expensive repairs or legal costs.
  • Long-term impact on driving history – A BA20 conviction can remain on a driver’s record for four years. This can affect renewal prices even after the initial policy ends.
  • Greater chance of further offences – Insurers might think BA20 drivers are more likely to commit offences like reckless driving or speeding in the future.
  • Strict underwriting criteria – Insurers must follow FCA rules. This means they do extra checks before offering policies to high-risk drivers.
  • Concerns over road safety – Insurers focus on responsible drivers. A BA20 conviction suggests a disregard for driving laws.
  • Difficulty in proving responsible behaviour – Unlike other offences where drivers can build a no-claims discount, BA

Why Insurance Providers Consider BA20 High Risk

BA20 offenders are in the higher risk group for insurers because of their actions. Insurers look at different factors to assess risk. They consider how likely it is that someone might repeat the offence.

Common Risk Factors for BA20 Convicted Drivers

  • Underage offence status – When someone is caught driving underage and banned, it means they are likely to break the rules again.
  • Potential for reckless driving – BA20 drivers might have records of speeding, careless driving, or other accident offences.
  • Association with other serious offences – BA20 convictions usually go with drink driving, drug driving, or dangerous driving incidents.
  • Lack of driving experience – A driver under 17 may not have much experience on the road, which raises the risk for the insurer.
  • History of multiple offences – Having several driving offences like using defective tyres, making false declarations, or not following speed limits makes the risk even higher.
Why a BA20 Conviction Raises Insurance Costs

BA20 Conviction vs Other Motoring Offences

Conviction Code Offence Penalty Points Licence Duration Premium Increase
BA20 Driving while disqualified underage 6 points 4 years 50% - 150%
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%

Fact: New drivers with a BA20 conviction can lose their provisional licence. This will happen if they get more than six penalty points in a two-year period.

Legal Consequences of a BA20 Conviction

A BA20 conviction has tough penalties. These can impact your future chances to drive and your legal status. Courts take this offence seriously, especially if it happens more than once.

Potential Penalties for BA20 Offenders

  • Longer driving ban – Courts might extend the time you cannot drive. This means you will wait longer to apply for a licence.
  • High fines – If you get caught, you could pay large fines. The size of the fines depends on how serious the offence is and if you did anything else wrong.
  • Community service – Sometimes, courts might choose community service instead of, or along with, fines and driving bans.
  • Court appearance – A BA20 offence can’t be handled by a fixed penalty notice. This means you must go to court.
  • Criminal record – If you get multiple BA20 offences or do reckless driving, you could get a criminal conviction. This can hurt your job and travel chances.
  • More penalty points – A BA20 conviction adds six penalty points to your driving record. These stay for four years and can raise your insurance costs.
  • Possibility of jail time – For serious cases, or if it connects with dangerous driving, drug driving, or homicide, you might go to prison.
  • DVLA records – The DVLA will keep track of your BA20 convictions. This could affect your future driving licence applications.
  • Vehicle taken – If you keep committing the offence or have other motoring offences, authorities may take your vehicle.
  • Stricter rules for new licences – When you apply for a licence again, you may have to retake a driving

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How Long a BA20 Conviction Affects Insurance Costs

A BA20 endorsement remains on your driving record for four years. However, it might affect your insurance costs for a longer time.

Duration of Increased Insurance Costs After a BA20 Conviction

Conviction Type Licence Duration Time Insurance Costs Are Affected Chance of Finding Affordable Insurance
BA20 4 years 4 - 5 years Limited but possible with specialists
IN10 4 years 4 - 5 years Can find cover but at higher costs
SP30 4 years 2 - 3 years Easier to find affordable insurance
DR10 11 years 10 - 12 years Difficult, requires specialist insurers

Fact: Some insurance providers may still raise premiums for another year, even if a licence endorsement is taken away.

Does a BA20 Conviction Affect Car Leasing and Finance?

A BA20 conviction does not only affect a driver's insurance. It can also lead to money problems when you want to lease or finance a vehicle.

  • Higher leasing costs – Lenders might ask for higher interest rates or a larger deposit for BA20 drivers.
  • Limited leasing options – Some companies won't lease cars to drivers who have offense codes on their record, especially if they are recent.
  • Increased insurance requirements – Leasing firms usually require full insurance coverage, which can be too expensive for BA20 drivers.
  • Restrictions on car finance approval – A few finance companies look at your driving history before giving a loan. A BA20 can result in a loan rejection.

How to Rebuild Your Driving Record After a BA20 Conviction

A BA20 conviction raises your insurance costs. It also has an impact on your long-term driving history. If you take steps to improve your profile, you can get better insurance rates in the future.

Steps to Improve Your Driving Record

  • Wait out the penalty period – A BA20 endorsement stays on your driving licence for four years. It is important to avoid more driving offences during this time.
  • Follow speed limits and road rules – Sticking to vehicle speed limits and road laws can help you stay clear of future convictions like dangerous driving or reckless driving.
  • Avoid mobile phone use while driving – Using a mobile phone while driving can lead to extra penalties. This can make your insurance rating worse.
  • Take an advanced driving course – Finishing an approved government course may help insurance providers feel safer about you as a driver.
  • Drive a low-risk vehicle – Some cars have higher accident offences risks. Picking a vehicle with lower insurance group ratings can help lower your policy costs.

Steps to Get the Best BA20 Car Insurance Deal

Getting car insurance after a BA20 conviction can be tough. However, you can take steps to find a good policy at a reasonable price. By following these steps, you can improve your chances of finding the right coverage.

Gather Your Details

Before you begin to look for car insurance, be sure to have all the important information ready. Insurance companies will need specific details about your driving conviction and your personal situation.

  • Driving Licence Details – Include your licence number, type of licence (is it provisional or full?), and any endorsements.
  • Date of the Offence – Insurers need the exact date of the offence and the details of the driving ban.
  • Vehicle Information – Give the make, model, age, and insurance group of the car you want to drive.
  • Previous Claims History – Any past claims, even if they are not related to the BA20 offence, will impact your quote.
  • Intended Usage – State if the vehicle will be used for work, commuting, or social driving.
Steps to Get the Best BA20 Car Insurance Deal

Compare Insurance Providers

Not every insurance provider covers BA20 convictions. It's important to look around and compare various options. Specialist insurers that provide convicted driver insurance might give you better deals.

  • Check High-Risk Insurers – Some insurers focus on insurance for convicted drivers and offer policies for high-risk drivers.
  • Use Insurance Comparison Tools – Compare several quotes online to find the cheapest cover.
  • Look for Flexible Payment Plans – Some insurers let you pay monthly to make premiums easier to handle.
  • Avoid Mainstream Insurers – Many big insurers tend to reject high-risk drivers or want high premiums.

Consider Black Box Insurance

A black box insurance policy, also known as telematics insurance, uses a small device in your car. This device tracks your driving history. By showing that you drive responsibly, it can help reduce your insurance costs over time.

  • Improves Driving Score – Safe driving can lower your premium when it's time for renewal.
  • Encourages Responsible Behaviour – Hard braking, speeding, and irregular driving can lead to higher costs.
  • Available for Young Drivers – If you had a provisional licence before your BA20 conviction, black box insurance might be one of the few budget-friendly options.
  • Can Help Reduce High-Risk Status – Consistent safe driving may lead to better rates after a two-year period.

Choose a Third-Party Policy

The amount of coverage you pick will affect how much your insurance costs. A comprehensive cover is the most costly option. On the other hand, a third-party fire and theft cover is often a more affordable choice.

  • Third-Party Only – This plan pays for damage to other vehicles, but not for yours.
  • Third-Party, Fire & Theft – This option adds protection against theft, fire damage, and liabilities to other drivers.
  • Fully Comprehensive – This covers all types of damage, but it might not be a good choice for drivers who are high risk due to its high price.

FAQs About BA20 Car Insurance

Yes, you might have to choose a specialist insurer. Many common insurance providers do not cover high-risk drivers.

Expect premiums to be 50% to 150% higher than normal rates. This increase is because of the higher risk linked to a BA20 conviction.

A BA20 endorsement stays on a driving licence for four years. This starts from the date of the offence.

Yes, but it will probably cost more than regular drivers insurance because of the conviction.

  • Look at insurance quotes from several providers
  • Think about using black box or telematics insurance
  • Raise your voluntary excess
  • Choose a car in a lower insurance group
  • Keep a clean driving record

Careless driving can sometimes cause a driver to be disqualified. If an underage driver breaks this rule while they are banned, they might get a BA20 conviction.

Using a mobile phone while driving can give you penalty points. These points can make your insurance costs higher, especially for BA20 drivers.

A BA20 conviction in Northern Ireland or Scotland may show up on DVLA records. This could affect licence applications in the UK.

Yes, the conviction affects all kinds of vehicles. This includes both passenger vehicles and commercial vehicles.

A vehicle speed limit violation by itself will not lead to a BA20. However, if a disqualified driver is caught speeding, they could face extra charges.

No, the reason of load, like carrying heavy goods, does not really affect a BA20 conviction. However, it could lead to more offenses if the vehicle is overloaded.

Insurers see BA20 drivers as high-risk. If they have previous accident offences, their insurance costs may go up even higher.

If you get a drug driving conviction while you are disqualified, it can result in a tougher punishment and a longer ban. This makes it even more difficult to find insurance.

Defective tyres by themselves will not cause a BA20 conviction. However, they can lead to other offence codes and result in fines.

Finding insurance quotes for drivers with a BA20 conviction can be hard. This is because many insurance companies see it as a serious offence.

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Page last updated on: 03/04/2025

Page reviewed by: Shay Ramani

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