Compare MS20 Car Insurance – Insurance for MS20 Drivers

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Convictions Car Insurance Comparison

  • Get special car insurance if you have an MS20 conviction.
  • Find insurance coverage for unlawful pillion riding offences.
  • Compare different policies to find the best deal for convicted drivers.

What Is an MS20 Conviction?

An MS20 conviction happens for unlawful pillion riding. This occurs when a motorcyclist carries a passenger but does not follow the legal rules. For example:

  • The motorcycle lacks a proper seat and footrests.
  • The passenger is too young or cannot sit properly.
  • The rider breaks rules when transporting the motorcycle.

An MS20 is a driving offence under UK law. It applies to England, Scotland, Wales, Northern Ireland, and the Isle of Man.

Conviction Code Offence Penalty Points Licence Endorsement Duration
MS20 Unlawful pillion riding 3 points 4 years from date of offence

Fact: The date of the offence and the date of conviction can change how long the MS20 endorsement stays on your driving record.

Penalties for an MS20 Conviction

Penalty Details
Penalty Points 3 points on your driving licence
Fine Up to £1,000
Driving Ban Possible if combined with other offences
Endorsement Stays for 4 years

Unlawful pillion riding might look like a small issue. However, insurers can see it the same way as careless or dangerous driving. This is true especially if it puts other people in danger.

Impact of an MS20 Conviction on Car Insurance

An MS20 conviction raises your car insurance costs because it means you are a higher risk. Many insurance providers will see you as a riskier driver.

Driver Type Average Annual Premium Before Conviction (£) After MS20 Conviction (£)
Standard Driver £450 – £800 £700 – £1,400
Convicted Driver (MS20) £550 – £950 £900 – £1,700

Key impacts:

  • Most insurers have higher premiums.
  • Some providers might only give you third party, fire, and theft cover.
  • You could need convicted driver insurance from specialists.

Fact: If you do not update your national insurance number or registration number, it can cause a delay in getting cover after an MS20 conviction.

Impact of an MS20 Conviction on Car Insurance

How Long an MS20 Conviction Stays on Your Driving Record

Conviction Code Endorsement Duration Insurance Impact
MS20 4 years Higher premiums for 5 years

The Financial Conduct Authority (FCA) lets insurers ask about your driving conviction for five years. This is true even if your licence endorsement ends before that time.

Driving Risks After an MS20 Conviction

MS20 by itself might not lead to a driving ban. However, if you collect enough penalty points, you could end up disqualified.

Issue Penalty
Reaching 12 points Minimum 6-month ban
Additional offences Possible court summons

If you have points for dangerous driving or other offenses, the MS20 points can lead to a ban under the "totting up" system.

Fact: When you look for insurance quotes, they may keep your search history in small text files. To make comparing quotes easier, clearing cookies can sometimes help.

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Car Insurance Options for MS20 Convicted Drivers

You can still choose from several insurance options, even after an MS20:

  • Third Party Only: This is the basic coverage needed by law.
  • Third Party, Fire and Theft: This adds protection for theft and fire damage.
  • Comprehensive: This offers complete coverage for your own vehicle as well.
Cover Type What It Includes
Third Party Injury and damage to others
Third Party, Fire and Theft Injury, fire, and theft protection
Fully Comprehensive All of the above plus own vehicle

You can find options from several specialist insurance providers or a group of FCA brokers, even if you have an MS20 on your record.

How to Lower Car Insurance Costs After an MS20 Conviction

How to Lower Car Insurance Costs After an MS20 Conviction

  • Look at different quotes for convicted driver insurance.
  • Raise your voluntary excess.
  • Pick a low-risk vehicle, like one with a small engine and in a low insurance group.
  • Finish an advanced driving or riding course.
  • Maintain a clean driving record from now on.

Fact: Some insurance companies look at the last digit of your licence number. They do this to check your endorsements and offences before they give you a policy.

FAQs About MS20 Car Insurance

Yes, several insurance providers give convicted driver insurance for MS20 offences. However, you might need to work with a specialist.

Premiums usually go up by 50% to 100% after an MS20. This increase depends on your driving record and the insurer you are with.

The MS20 endorsement lasts for 4 years starting from the date of the offence.

If you gather enough points and hit a total of 12, you might receive a driving ban due to the totting-up rules.

Work with insurance providers who focus on drivers with convictions. They can help you get a good price and the right coverage.

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Page last updated on: 28/04/2025

Page reviewed by: Shay Ramani

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