Compare MS40 Car Insurance – Insurance for MS40 Drivers

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Convictions Car Insurance Comparison

  • Get special insurance after an MS40 driving offence.
  • Find insurance for misuse of a vehicle in the UK.
  • Compare plans to find the best deal after a motoring offence.

What Is an MS40 Conviction?

An MS40 conviction happens when you use a vehicle in the wrong way on a road. This applies to many different situations, such as:

  • Riding a motorcycle in a risky way.
  • Going through areas where school patrols help crossing.
  • Not following the instructions for traffic direction.
  • Wrong use of vehicles according to the Road Traffic Act.

This offence code is for the UK. It covers actions like driving across double white lines and using a mobile phone in an unsafe way.

Conviction Code Offence Penalty Points Endorsement Duration
MS40 Improper use of a vehicle 3 points 4 years from date of offence

Fact: MS40 endorsements remain on your licence for 4 years starting from the date of conviction, not only from the date of the offence.

Penalties for an MS40 Conviction

Penalty Details
Penalty Points 3 points added to your licence
Fine Up to £1,000 depending on the case
Driving Ban Possible if combined with other offences
Licence Endorsement Remains for 4 years

A simple fixed penalty notice can be given for minor cases. However, serious cases, such as aggravated taking of a vehicle, might go to court.

How an MS40 Conviction Affects Car Insurance

Any motoring offence can affect your car insurance costs. An MS40 can make you seem riskier to insurers, even if you didn't have an accident.

Driver Type Average Annual Premium Before Conviction (£) After MS40 Conviction (£)
Standard Driver £400 – £750 £650 – £1,300
Convicted Driver (MS40) £500 – £850 £900 – £1,600

Impact highlights:

  • Most insurance companies have higher excess charges.
  • There are fewer options for full comprehensive coverage.
  • Not many insurers will cover accidents related to defective brakes or defective tyres.

Fact: Some MS40 cases include faulty motorcycles or vehicles that have worn tyres. This can make insurers see your driving history in a worse light.

How an MS40 Conviction Affects Car Insurance

How Long an MS40 Conviction Affects Your Record

Conviction Code Endorsement Duration Insurance Impact Period
MS40 4 years from offence 5 years considered by insurers

Even though endorsements are good for four years, insurers can ask about driving conviction codes for five years from the date of conviction.

Risks of a Driving Ban After an MS40 Conviction

One MS40 offence usually will not cause a driving ban. However, if you have points from other offences like:

  • Running traffic light signals.
  • Going over the speed limit.
  • Not paying attention to school crossing patrol signs.

You could get to 12 points in a year period and face a ban.

Situation Outcome
12 points within 3 years Minimum 6-month ban
Serious repeat offences Longer disqualification

Fact: Solicitors usually tell drivers to carefully take note of any specimen evidence, like photos and notices, that they get at the time of the offence.

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Insurance Options After an MS40 Conviction

If you have an MS40 on your licence, you still have options available.

  • Third Party Only: This is the minimum legal insurance you need.
  • Third Party, Fire and Theft: This type protects you if your car is stolen or damaged by fire.
  • Comprehensive: This provides full coverage for your car and any other cars involved.
Cover Type What It Covers
Third Party Damage to others only
Third Party, Fire and Theft Adds theft and fire protection
Comprehensive Full cover for all parties

Working with a specialist in insurer for convicted drivers is often the best way to find affordable policies.

Driving Licence Rules and MS40 Convictions

A driving licence needs to be valid and current for a driver to use a vehicle legally. A MS40 offence may cause the DVLA to check your licence status. Drivers with marks on their record for not using their vehicle properly could face:

  • A new licence application will require licence renewal checks.
  • There are restrictions on licence types, particularly for motorcycles.
  • People with medical issues, such as uncorrected defective eyesight, will need extra monitoring.

If you have a provisional licence or a revoked licence, check with the DVLA before you get back on the road.

New Drivers and the Risk of MS40 Convictions

New drivers are more likely to make mistakes. They might drive carelessly or not keep the charge of a vehicle where it should be. A MS40 offence for using a vehicle improperly can have tougher consequences for those who are new to driving.

  • A new driver who gets six or more points in two years after passing their test can have their licence taken away right away.
  • They will need to apply again for a provisional licence and redo both the theory and practical driving tests.
  • Offences such as having uncorrected defective eyesight can also cause them to lose their licence automatically.

Avoiding small mistakes is important for anyone who just passed their test.

How to Lower Car Insurance Costs After an MS40 Conviction

How to Lower Car Insurance Costs After an MS40 Conviction

  • Look at quotes from several specialist insurers.
  • Select a vehicle with lower power after your conviction.
  • Raise your voluntary excess when you can.
  • Keep a clean record and stay away from future accident offences.
  • Make sure your licence details, national insurance number, and driving record are current with the DVLA.

FAQs About MS40 Car Insurance

Yes, you can find special insurance companies that offer coverage even if you have a play street offence or an improper use of vehicle offence.

Expect your insurance costs to go up by 50% to 100%. This change will depend on your driving history and the insurance company you choose.

You have to say it for five years. This is true even though the endorsement will only be on your licence for four years.

Not very often, but if you pick up other offence codes, you might get a driving ban for having 12 points.

Work with experts in insurance and check different policies. A good record will help you get back to regular rates more quickly.

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Page last updated on: 29/04/2025

Page reviewed by: Shay Ramani

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