Compare LC40 Car Insurance – Insurance for LC40 Drivers

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Convictions Car Insurance Comparison

  • Get specialist insurance if you have an LC40 driving conviction.
  • Look for convicted driver insurance for serious or medical offenses.
  • Compare quotes to find private car insurance at the lowest price.

What Is an LC40 Conviction?

An LC40 conviction happens if you drive without telling the DVLA about your disability. This is seen as a driving offence that influences your ability to drive safely.

If you don’t inform the DVLA about a medical condition that might impact your safe driving, you are breaking the law. This rule applies in England, Northern Ireland, Wales, and the Isle of Man.

Conviction Code Offence Penalty Points Licence Endorsement Duration
LC40 Driving a vehicle having failed to notify a disability 3 – 6 points 4 years from date of conviction

Fact: The date of the offence and the date of conviction both impact how long the LC40 endorsement remains on your driving record.

Legal Consequences of an LC40 Driving Conviction

Not reporting a medical condition can be as serious as careless driving or dangerous driving.

Penalty Details
Penalty Points 3 to 6 points added to your driving licence
Fine Up to £1,000
Driving Ban Possible in case of serious offences
Licence Endorsement Endorsement lasts 4 years

You need to tell about any health issues that might impact how you respond to traffic light signals, follow traffic direction, or prevent accidents.

Conditions that must be declared include:

  • Epilepsy
  • Heart issues
  • Vision problems
  • Mental health issues

If you do not declare them, you could face LC40 conviction penalties. This may lead to higher car insurance costs.

How an LC40 Conviction Affects Car Insurance

After an LC40, most insurance providers consider you a higher-risk driver.

Driver Type Average Annual Premium Before Conviction (£) After LC40 Conviction (£)
Standard Driver £500 – £800 £1,200 – £2,100
LC40 Convicted Driver £600 – £950 £1,500 – £2,700

Key impacts:

  • You may have to pay higher costs and have limited choices in coverage.
  • Some specialist insurance providers might just offer third party risks policies.
  • Some providers may include extra conditions in your car insurance policy.

Fact: A panel of FCA-regulated insurers can help you find a better price for convicted driver insurance after an LC40.

How an LC40 Conviction Affects Car Insurance

How Long Does an LC40 Stay on Your Driving Licence?

The LC40 endorsement code stays on your licence for 4 years starting from the date of conviction.

Conviction Code Endorsement Duration Impact on Insurance
LC40 4 years Premiums stay higher for up to 5 years

Some insurance companies may still want to know about your LC40 endorsement, even if you no longer have it.

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Risk of Further Offences After an LC40 Conviction

If you drive without addressing a medical problem or not telling about new health issues, you might face tougher penalties such as:

Offence Penalty Severity of the Offence
Repeat LC40 or health offences Fine up to £5,000 Treated as culpable homicide if a death occurs
Further offences Unlimited fine Disqualification or prison possible

Aggravated taking of a vehicle, play street offences, and furious driving show how health risks can cause other accident offences.

Fact: When you apply for new insurance after an LC40, your national insurance number, registration number, and health history must match the records of DVLA.

Insurance Options After an LC40 Conviction

You still have choices for private car insurance even after an LC40.

  • Third Party Only: This covers damage or injury that you cause to other people.
  • Third Party, Fire and Theft: This adds protection if your car is stolen or catches fire.
  • Fully Comprehensive: This covers your own car as well. It can be cheaper for drivers who have a higher risk.
Cover Type What It Covers
Third Party Damage to others
Third Party, Fire and Theft Adds theft/fire cover
Comprehensive Covers own car and others

Companies such as Keith Michaels and other expert brokers often assist LC40 drivers in getting insurance.

How to Lower Car Insurance Costs After an LC40 Conviction

How to Lower Car Insurance Costs After an LC40 Conviction

  • Work with a specialist insurance broker.
  • Set up a black box to track safe driving.
  • Clearly state your condition to the DVLA.
  • Pick a smaller car to reduce risk.
  • Make your insurance payment once a year, not every month.

Fact: Insurance providers use small text files, called cookies, to remember the choices you made about cookies when you search for driver insurance providers online.

FAQs About LC40 Car Insurance

Yes, you might have to use specialist insurance providers. They have policies designed for drivers who have been convicted.

Premiums often increase by 80% to 160%. This change depends on how serious the offence is and the insurer's risk assessment.

You need to declare it for five years. This is true even if the endorsement code remains on your licence for only four years.

Yes. Not informing the DVLA about a medical condition is a big deal. It can lead to accident offences if you are involved in a crash.

You might get a driving ban, a fine, extra endorsement codes, or even criminal charges if the situation is serious.

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Page last updated on: 25/04/2025

Page reviewed by: Shay Ramani

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