Compare MS30 Car Insurance – Insurance for MS30 Drivers

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Convictions Car Insurance Comparison

  • After a street offence conviction, get car insurance.
  • Search for special insurance for MS30 drivers across the UK.
  • Compare various policies to find the best deal for convicted drivers.

What Is an MS30 Conviction?

An MS30 conviction happens when you drive in a play street or a recreational space where driving is not allowed. Play streets are meant to keep children safe in playground areas. If you drive in these places when it’s against the rules, it is a driving offence. This can lead to a fine and penalty points.

This rule is for England, Wales, Scotland, Northern Ireland, and the Isle of Man.

Conviction Code Offence Penalty Points Licence Endorsement Duration
MS30 Play street offences 2 points 4 years from date of offence

Fact: The date of the offence and the date of conviction decide how long an MS30 stays on your driving record.

Penalties for an MS30 Conviction

Penalty Details
Penalty Points 2 points on your driving licence
Fine Varies depending on local authority rules
Driving Ban Unlikely unless combined with other offences
Licence Endorsement Lasts for 4 years

MS30 may not be as serious as dangerous driving or careless driving, but it can still affect your driving licence status.

How an MS30 Conviction Affects Car Insurance

An MS30 is a less serious driving crime. Still, it can make your car insurance costs go up.

Driver Type Average Annual Premium Before Conviction (£) After MS30 Conviction (£)
Standard Driver £450 – £750 £600 – £1,100
Convicted Driver (MS30) £500 – £800 £800 – £1,300

Effects on insurance:

  • You may only have limited coverage, like third-party insurance.
  • If you are a convicted driver, you might need special policies.
  • Some insurance companies may ask for more details about your offence.

Fact: Insurance companies often store quote data in small text files, known as cookies. If you clear these files before you search, it can sometimes help you find the best deal.

How an MS30 Conviction Affects Car Insurance

How Long an MS30 Conviction Stays on Your Record

Conviction Code Endorsement Duration Insurance Impact
MS30 4 years Higher premiums for up to 5 years

The Financial Conduct Authority (FCA) allows car insurance companies to ask about a driving conviction for five years from the date of the conviction. This applies even if the points from that conviction have already expired.

When a Driving Ban Could Happen

A single MS30 is unlikely to result in a driving ban. But, if you mix MS30 points with points from other violations, it could change your situation.

  • Not following traffic direction
  • Ignoring traffic light signals
  • Theft-related crimes

This could result in 12 points and a disqualification.

Action Risk
12 points in 3 years Minimum 6-month ban
Ignoring a ban order Heavy fines and possible prison

Fact: Make sure to check the last digit of your national insurance number and your registration number. You should do this when you apply for a new car insurance policy after getting a conviction.

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Insurance Options After an MS30 Conviction

After an MS30, you can still find great options if you know where to look:

  • Third Party Only: Protects you for basic legal needs.
  • Third Party, Fire and Theft: Offers extra safety if your car gets stolen.
  • Comprehensive: Takes care of everything, including your vehicle.
Cover Type What It Includes
Third Party Covers injury and damage to others
Third Party, Fire and Theft Covers others + fire/theft of your car
Comprehensive Full cover including own car damage

Specialist driver insurance providers that work with companies approved by the FCA are the best option for you.

Tips to Reduce Car Insurance After an MS30

Tips to Reduce Car Insurance After an MS30

Get insurance quotes from different companies if you are a convicted driver. Choose a smaller and safer car. Increase the voluntary excess on your insurance policy. Drive carefully to prevent adding more penalty points. Correct any errors in your driving record.

FAQs About MS30 Car Insurance

Yes. You may need to look for a special insurer to get coverage after an MS30, especially if it is about play street offences.

You can expect your rates to go up by around 30% to 50%. This increase will depend on your driving record and the insurer you select.

The MS30 endorsement remains active for 4 years from the date of the offence.

Not really. But if you have other offenses and reach 12 points, you may have a driving ban.

It is important to use skilled insurance providers. Look at quotes carefully. This way, you can have a good experience and find better prices.

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Page last updated on: 28/04/2025

Page reviewed by: Shay Ramani

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