Compare LC50 Car Insurance – Insurance for LC50 Drivers

  • Save up to £523* on your car insurance
  • 97% of reviewers recommend Free Price Compare
  • Compare car insurance quotes from 120+ insurers
GB
Retrieve Quotes

Don’t have your registration number? No problem, click here.

4000+ reviews

We compare car insurance quotes from 120+ companies...

Wide variety of insurance options available to help you find a suitable policy

Happy Customers

We've served thousands of policies to
thousands of happy customers.

Price Comparison Market

10+ years experience in
the Price Comparison Market.

Car Insurance Companies

We'll display quotes from
120+ car insurance companies.

  • If you have a driving conviction from an LC50 offense, you may need insurance.
  • Specialist insurance providers can help you get back on the road.
  • Compare different policies to find the best deal on private car insurance.

What Is an LC50 Conviction?

An LC50 conviction occurs when you drive while your driving licence has been taken away or not given to you due to health reasons. The DVLA can revoke your licence if a medical issue makes it unsafe for you to drive.

Driving without taking care of this first is illegal. It is a serious driving offence in the UK, as well as in Northern Ireland and the Isle of Man.

Conviction Code Offence Penalty Points Licence Endorsement Duration
LC50 Driving after a licence has been revoked or refused on medical grounds 3 – 6 points 4 years from date of conviction

Fact: An LC50 endorsement will stay on your driver’s licence for 4 years. This period begins from the date of conviction, not from the date of the offence.

Legal Impact of an LC50 Driving Conviction

The law treats LC50 cases with great importance. This is because they relate to driving while a person is not healthy enough to do so.

Penalty Details
Penalty Points 3 to 6 added to your driving record
Fine Up to £1,000
Driving Ban Possible depending on severity
Endorsement Stays for 4 years

If you get into a crash while driving, you may face charges of dangerous driving or careless driving. These charges can lead to harsher penalties.

Common Medical Grounds for LC50 Disqualification

Medical reasons that might result in a licence being taken away are:

  • Epilepsy
  • Very serious problems with vision
  • Losing consciousness or fainting
  • Heart disease

If you do not tell the DVLA or drive before you receive approval, you could face an LC50 conviction.

Common Medical Grounds for LC50 Disqualification

Effect of an LC50 Conviction on Car Insurance Costs

An LC50 makes it harder and more expensive to get valid insurance.

Driver Type Average Annual Premium Before Conviction (£) After LC50 Conviction (£)
Standard Driver £500 – £850 £1,300 – £2,400
LC50 Convicted Driver £600 – £950 £1,600 – £2,800

After an LC50, insurers consider you a higher risk. This is because there may be medical issues that could impact your driving suitability.

  • Some providers will only offer coverage for third party, fire, and theft.
  • A few might not give you insurance at all without further details about your health.

Fact: Many insurance providers look at your national insurance number and registration number when you apply for convicted driver insurance.

How Long Does an LC50 Stay on Your Record?

Conviction Code Licence Endorsement Duration Insurance Impact
LC50 4 years Higher premiums for up to 5 years

The Financial Conduct Authority (FCA) says that insurers can ask about convictions for a time period of up to five years. This applies even if the endorsement period finishes before those five years are over.

Get Quotes

Risk of Further Penalties After an LC50

Driving when your licence has been taken away, and without asking the DVLA for permission, could result in more legal issues, like:

Offence Penalty Notes
Driving while disqualified Fine up to £5,000 Risk of full disqualification
Repeat offences Unlimited fine Could result in prison time

You may receive a fixed penalty notice for minor issues, like not updating your licence category.

Fact: If you don't update the last digit of your driving licence after a medical review, it can cause problems with your insurer.

Types of Insurance Available After an LC50 Conviction

After an LC50, you still have options with specialist insurance providers.

  • Third Party Only – This plan covers the basic legal needs.
  • Third Party, Fire and Theft – This plan adds extra protection against theft and fire.
  • Comprehensive – This plan also covers damage to your own vehicle.
Cover Type What It Includes
Third Party Injury/damage to others
Third Party, Fire and Theft Includes theft and fire
Comprehensive Covers own car and third party

Working with a group of FCA-regulated providers helps you get the right place for coverage.

Tips to Lower Car Insurance After an LC50 Conviction

Tips to Lower Car Insurance After an LC50 Conviction

  • Compare quotes from different insurance companies.
  • Choose a car that has low risks.
  • Install a telematics box.
  • Pay for your insurance policy once a year, not monthly.
  • Avoid getting any more driving tickets.

Fact: Some insurance companies use small text files. These files help to remember your past cookie choices. This makes your future quote searches faster.

FAQs About LC50 Car Insurance

Yes, you can get private car insurance from specialist insurance providers, even if you have an LC50 conviction.

Premiums can go up between 90% and 160%. This change depends on how serious the offence is and your driving record.

You have to declare an LC50 conviction for five years. But, the endorsement code stays on your licence for four years.

It is seen as a breach of the law. You may receive a driving ban or face more serious charges, like stealing a car.

Choose insurance providers that focus on convicted driver insurance. Compare several quotes. This will help you find the best deal.

Car Insurance Comparison

Car Insurance Provider

Page last updated on: 25/04/2025

Page reviewed by: Shay Ramani

4000+ reviews