Compare MS60 Car Insurance – Insurance for MS60 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.

Convictions Car Insurance Comparison

  • Search for car insurance if you have an MS60 conviction.
  • Compare different insurance providers for drivers with convictions in the UK.
  • Find the best deal even if you have a driving offence.

What Is an MS60 Conviction?

An MS60 conviction occurs when a driver breaks a rule that is not included in other specific laws. This often happens when a person:

  • Breaks a road law that is not listed anywhere else.
  • Commits a one-time driving offence that does not match common types.
  • Gets involved in incidents that may include driving offences such as theft or careless driving.

It applies throughout England, Wales, Scotland, Northern Ireland, and the Isle of Man.

Conviction Code Offence Penalty Points Licence Endorsement Duration
MS60 Offences not covered by other codes 3 points 4 years from date of offence

Fact: MS60 is applied when the police can't find a specific offence. Still, there is a breach of the law.

Penalties for an MS60 Conviction

Penalty Details
Penalty Points 3 points on your driving licence
Fine Depending on severity, can be up to £1,000
Driving Ban Unlikely unless combined with other offences
Licence Endorsement Stays for 4 years from the date of the offence

The points will be added to your driving record. They will also be important for any future driving ban under the totting-up system.

How an MS60 Conviction Affects Car Insurance

An MS60 can increase your car insurance costs. This happens even though it is seen as a minor driving offence.

Driver Type Average Annual Premium Before Conviction (£) After MS60 Conviction (£)
Standard Driver £450 – £800 £650 – £1,200
Convicted Driver (MS60) £500 – £900 £800 – £1,500

Effects on car insurance:

  • Insurers view an MS60 as a sign of increased risk.
  • Some insurers may ask for further details about the original offence.
  • There are few options for fully comprehensive coverage.

Fact: Your quote history is often stored in small text files. By clearing your previous cookie choices, you could find a better price for a new quote.

How an MS60 Conviction Affects Car Insurance

How Long an MS60 Conviction Stays on Your Record

Conviction Code Endorsement Duration Insurance Impact Period
MS60 4 years 5 years considered by insurers

The Financial Conduct Authority (FCA) allows insurance providers to check your driving conviction history for five years starting from the date of conviction.

Risk of a Driving Ban After an MS60 Conviction

An MS60 alone will not cause a driving ban. But, if you get penalty points for other violations, it could lead to one.

  • Dangerous driving.
  • Careless driving.
  • Using a mobile phone while driving.

...you could reach 12 points and be disqualified.

Situation Outcome
12 points within 3 years Minimum 6-month ban
Additional serious offences Longer disqualification possible

Fact: Some crimes, like small thefts that involve a vehicle, may be classified under MS60. This is true if there isn't any other specific code that applies.

Get Quotes

Car Insurance Options After an MS60 Conviction

You still have choices even if your driving licence is rated MS60:

  • Third Party Only: This is the basic type of insurance required by law in the UK.
  • Third Party, Fire and Theft: This choice gives you extra protection against theft and fire.
  • Fully Comprehensive: This option covers damage to your own car and to other people's cars.
Cover Type What It Covers
Third Party Injuries and damages to others
Third Party, Fire and Theft Adds protection for theft/fire
Comprehensive Protects your car and others' vehicles

Most insurers for MS60 drivers work with special brokers. These brokers focus on insurance for convicted drivers.

How to Lower Car Insurance Costs After an MS60 Conviction

How to Lower Car Insurance Costs After an MS60 Conviction

  • Look for insurance companies that help drivers with convictions.
  • Choose a car that is safer and has a small engine.
  • If you can, increase your voluntary excess.
  • Keep your national insurance number and licence details up to date with the DVLA.
  • Avoid any more offences that could give you extra points on your record.

FAQs About MS60 Car Insurance

Yes, you may need to choose a specialist insurer. This insurer should cover possible motoring offences and any convictions you have.

Premiums may increase by around 40% to 80%. This change depends on your driving record.

You must state your conviction for five years from the date of conviction. This requirement holds even if the endorsement is only valid for four years.

You will not receive a driving ban for just one MS60. However, if you gather points from several offences, you could face a driving ban once you reach the point limit.

Get in touch with special insurance providers who work with convicted drivers. Look carefully at their quotes to find the best deal available.

Car Insurance Comparison

Car Insurance Provider

Page last updated on: 30/04/2025

Page reviewed by: Shay Ramani

4000+ reviews