Compare Car Insurance For AC10, AC20 & AC30 Conviction

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Convictions Car Insurance Comparison

  • Specialist insurance for high-risk drivers
  • Find affordable cover for AC10, AC20 & AC30 convictions
  • Compare policies & lower your insurance premium today

What is AC10, AC20, and AC30 Car Insurance?

Drivers in a road accident must stop, share their details, and report the incident if needed. Not following this rule can result in penalty points, a criminal record, and higher-risk insurance classifications. If you get an AC10, AC20, or AC30 conviction, your car insurance premium may go up. Some insurance providers might even refuse to offer you coverage.

Conviction Code Offence Penalty Points Time on Driving Licence
AC10 Failing to stop after an accident 5 - 10 4 years
AC20 Failure to provide details/report an accident within 24 hours 5 - 10 4 years
AC30 Other undefined accident offences 4 - 9 4 years

Fact: Convictions stay on your driving record for four years from the date of the motoring conviction. They can greatly affect the cost of your car insurance.

How Do AC Convictions Affect Car Insurance?

A conviction for an AC10, AC20, or AC30 motoring offence marks you as a higher-risk driver. This means:

  • Higher insurance costs – Some policies might be 50% to 100% higher than regular policies.
  • Fewer insurance options – A few insurance companies may not offer coverage at all.
  • Tougher policy rules – You might have to pay larger excesses or agree to more terms.
  • Specialised insurance providers – Insurers that offer convicted driver insurance can give better deals.
How Do AC Convictions Affect Car Insurance

AC10 Car Insurance – Failing to Stop After an Accident

An AC10 conviction happens when a driver does not stop after an accident. If you are found guilty, you will get:

  • 5 to 10 penalty points on your driving licence
  • A note on your driving record for four years

How an AC10 Conviction Affects Your Insurance

  • Premiums might increase by 50% to 100% based on the severity of the offence.
  • Some insurance providers might not offer cover, but specialist convicted driver insurance providers have options.
  • With a higher risk classification, you will face higher excess payments.

Ways to Reduce AC10 Insurance Costs

  • Look at quotes from specialty insurers to get the best price.
  • Pick a black box (telematics) policy to show you drive responsibly.
  • Raise your voluntary excess to decrease your premiums.
  • Select third party fire and theft insurance instead of full coverage.
  • Use a lower-risk vehicle to save money.

AC20 Car Insurance – Failing to Report an Accident

An AC20 conviction happens when a driver does not report an accident in 24 hours. This can lead to:

  • 5 to 10 penalty points on your licence
  • A conviction that lasts four years on your driving record

How AC20 Affects Car Insurance

  • Insurance premiums can go up by as much as 60%.
  • Some insurance providers might deny coverage, viewing it as a serious offence.
  • You might face higher excess fees because of the high-risk nature of the conviction.

How to Lower Insurance Costs with an AC20 Conviction

  • Look at quotes from a group of FCA-regulated insurers.
  • Think about telematics-based convicted driver insurance to keep track of safe driving.
  • Choose a higher voluntary excess to lower monthly bills.
  • See if a temporary policy is a cheaper choice.

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AC30 Car Insurance – Undefined Accident Offences

An AC30 conviction relates to motor offenses linked to accidents that are not specified. Drivers who get this conviction will face:

  • 4 to 9 penalty points
  • A mark on their driving licence for four years

How an AC30 Conviction Affects Insurance

  • Premiums might go up by 40% to 70%, based on the type of conviction.
  • Some insurers might not provide coverage, but specialist insurance providers offer policies for convicted drivers.
  • Third party fire and theft insurance could be a cheaper option compared to fully comprehensive insurance.

How to Find Affordable AC30 Car Insurance

  • Look at convicted driver insurance providers for good quotes.
  • Choose third party fire and theft insurance to reduce costs.
  • Skip high-performance cars, since they raise prices.

Compare AC10, AC20, and AC30 Car Insurance

Conviction Type Offence Penalty Points Average Premium Increase Time on Licence
AC10 Failing to stop after an accident 5 - 10 50% - 100% 4 years
AC20 Failing to report an accident 5 - 10 60%+ 4 years
AC30 Other accident offences 4 - 9 40% - 70% 4 years

Fact: You do not have to tell insurers about a spent conviction anymore. But you still need to share an unspent conviction when you apply for car insurance.

How to Reduce Car Insurance Costs After an AC Conviction

How to Reduce Car Insurance Costs After an AC Conviction

  • Compare different insurance policies – Some insurance providers focus on convicted car insurance.
  • Pick a higher voluntary excess – This can lower your monthly payment.
  • Use a black box policy – This shows you have good driving habits.
  • Stay away from more driving offences – A clean driving record after a conviction will help save money over time.
  • Think about temporary insurance – If you only need coverage for a short time, temporary convicted driver insurance might be cheaper.
  • Drive a low-risk vehicle – Cars in lower insurance groups usually have lower rates.

FAQs About AC10, AC20, and AC30 Car Insurance

Yes, you might need to look for special convicted driver insurance providers. This is because regular insurance companies usually do not accept high-risk applications.

Premiums can go up by 50% to 100%. This depends on how serious the offence is and how long it has been since the conviction.

An AC10, AC20, or AC30 conviction stays on your licence for four years. After that time, it becomes a spent conviction. When that happens, insurers might not take it into account anymore.

Yes, some insurers provide van insurance for drivers with a conviction. However, you should expect to pay higher premiums because of the driving offence.

Get quotes from specialist insurance providers. Choose a higher voluntary excess. Think about a black box policy to monitor safe driving.

Yes, dangerous driving is a serious offense. It can put you in a higher risk category with insurers. This may lead to a big increase in your motor insurance premium. Some insurance providers might even refuse to give you coverage.

Yes, insurers will look at the type of conviction and how serious it is. They will also consider how long it has been since the offence happened. Special insurance providers for convicted drivers, which are regulated by the Financial Conduct Authority, offer custom policies.

A driving ban raises your insurance costs because you will be seen as high risk. After the ban is over, you might need to show that you drive responsibly to get a fair price on car insurance.

Yes, using a mobile phone while driving can lead to penalty points, a fine, and a higher insurance premium. Insurance companies may see you as a higher risk driver.

You will need several details. These include your driver's licence number and your registration number. You must also provide information about your criminal conviction and any previous convictions. Insurers might ask if you are the main driver and what insurance coverage you need.

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Page last updated on: 01/05/2025

Page reviewed by: Shay Ramani

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