Compare LC30 Car Insurance – Specialist LC30 Cover

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Convictions Car Insurance Comparison

  • Specialist insurance providers can assist after an LC30 offence.
  • You can find convicted driver insurance at a reasonable price in the UK.
  • Compare several insurers to secure the best deal.

What Is an LC30 Conviction?

An LC30 conviction happens when a driver lies about their health when applying for a driving licence. This is a breach of the law based on UK rules.

Common reasons include:

  • Failing to share serious health issues.
  • Providing false information when getting a driver’s licence renewed.
  • Hiding a disability that impacts driving.

It is important because medical fitness keeps everyone safe on the road. It helps protect against risks like careless driving, furious driving, and dangerous driving.

Penalty for LC30:

Conviction Code Offence Penalty Points Licence Endorsement Duration
LC30 Driving after making a false declaration about fitness when applying for a licence 3 – 6 points 4 years from date of conviction

Fact: A LC30 endorsement stays on your driving licence for 4 years. This is from the date of conviction, not the date of the offence.

Legal Consequences of an LC30 Driving Offence

An LC30 driving offence is serious. It raises doubts about your honesty and your ability to drive.

Penalty Details
Penalty Points 3 to 6 points
Fine Up to £1,000
Driving Ban Possible for serious offences
Licence Endorsement Lasts for 4 years

If the violation relates to ignoring traffic light signals or not following traffic direction, the penalties may be harsher. Insurance companies look closely at your driving record when deciding on premiums.

Why False Declarations Are Treated Seriously

The DVLA and the Financial Conduct Authority (FCA) see false declaration offences as very serious. Drivers who do not talk about their health issues can lead to big problems. This includes serious offences like dangerous driving or careless driving.

Examples of medical conditions that you need to declare:

  • Epilepsy
  • Diabetes (which can impact driving)
  • Vision problems
  • Heart issues
Why False Declarations Are Treated Seriously

Not letting the DVLA know can lead to an LC30 conviction, even if you have filled in the national insurance number or registration number correctly.

Fact: If you are in Northern Ireland or the Isle of Man, the same LC30 rules apply to you. Local driving conviction codes still ask for full medical disclosure.

Impact of an LC30 Conviction on Car Insurance Costs

An LC30 endorsement can make your car insurance much more expensive. Insurance companies see drivers with LC30 codes as high-risk. They do this because these drivers might be more likely to have accidents related to medical issues.

Driver Type Average Annual Premium Before Conviction (£) After LC30 Conviction (£)
Standard Driver £450 – £750 £1,100 – £1,900
Convicted Driver (LC30) £550 – £850 £1,400 – £2,400

Key changes:

  • Higher extra amounts.
  • Fewer offers for third party fire and theft.
  • Less driver insurance providers willing to give quotes.

How Long an LC30 Conviction Stays on Your Driving Record

An LC30 will appear on your driver’s licence for 4 years after the date of conviction. Insurance companies commonly ask about any motoring offence from the past 5 years.

Conviction Code Licence Endorsement Duration Impact on Car Insurance
LC30 4 years Premiums increase for up to 5 years

Fact: Always look over your driving licence codes after an LC30. Errors or missing endorsements can hold up future insurance applications.

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Driving After an LC30 Disqualification

If you get disqualified after an LC30, there are penalties for driving without getting your license back. These include:

Offence Penalty Further Details
Driving while banned Fine up to £5,000 Possible further ban or prison
Repeat offences Unlimited fine Treated like furious driving

Repeat offences can result in getting a fixed penalty notice or a full court summons.

Insurance Options for LC30 Convicted Drivers

Even if you have an LC30, you can still find insurance for a convicted driver.

  • Third Party Only: This is the minimum legal requirement in the UK.
  • Third Party, Fire and Theft: This option gives you extra cover for fire and theft.
  • Fully Comprehensive: This offers a higher level of protection and can sometimes be cheaper.
Level of Cover What It Covers
Third Party Injury and damage to others
Third Party, Fire and Theft Adds theft/fire protection
Fully Comprehensive Includes damage to own car

Some insurance providers specialise in LC30 and other driving conviction codes.

How to Lower Car Insurance Costs After an LC30 Conviction

How to Lower Car Insurance Costs After an LC30 Conviction

  • Get quotes from a group of FCA-approved insurers.
  • Accurately declare all convictions, including undefined accident offences.
  • Pay once a year instead of monthly.
  • Opt for a low-powered car.
  • If needed, take a medical reassessment to show your fitness.

Fact: Insurers use small text files, known as cookies, to remember your previous cookie choices. This helps them provide car insurance quotes online.

FAQs About LC30 Car Insurance

Yes, but you might need to find insurance providers that help drivers with convictions.

Premiums can increase by 80% to 150%. This depends on a number of factors. These factors include age, driving history, and the policy of the insurer.

You usually have to declare the LC30 for 5 years, even though it is on your licence for only 4 years.

Yes, making a false declaration can harm road safety. It is taken seriously, just like other offence codes related to medical or driving fitness problems.

Get in touch with the DVLA for more information and to make an appeal. If there was a breach of the law, you might need legal advice.

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Page last updated on: 25/04/2025

Page reviewed by: Shay Ramani

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