Compare MS70 Car Insurance – Insurance for MS70 Drivers

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Convictions Car Insurance Comparison

  • Get insurance after a conviction for MS70 defective eyesight.
  • Compare insurance experts for convicted drivers in the UK.
  • Find the best deal even with a driving offence.

What Is an MS70 Conviction?

A MS70 conviction happens when a driver is found driving with uncorrected defective eyesight. This is a driving offence in the UK. It can occur when:

  • You can drive without wearing the glasses or contact lenses that you need.
  • You fail a roadside vision test if the police ask you to take one.

The MS70 conviction is valid in England, Wales, Scotland, Northern Ireland, and the Isle of Man.

Conviction Code Offence Penalty Points Licence Endorsement Duration
MS70 Driving with uncorrected defective eyesight 3 points 4 years from date of offence

Fact: Both the date of the offence and the date of conviction are recorded on your driving record. This information is given to insurance providers.

Penalties for an MS70 Conviction

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

Police officers can issue you a fixed penalty notice immediately if you fail an eyesight check during a stop.

How an MS70 Conviction Affects Car Insurance

An MS70 conviction can make your car insurance cost more. Insurance companies see it as a major increased risk.

Driver Type Average Annual Premium Before Conviction (£) After MS70 Conviction (£)
Standard Driver £450 – £850 £750 – £1,400
Convicted Driver (MS70) £550 – £950 £1,000 – £1,800

Effects include:

  • Not many insurers want to give full coverage.
  • There might be limits on business or commuting coverage.
  • There’s a higher chance of just getting third-party options.

Fact: If you fix your eyesight later, an MS70 will stay on your licence for four years from the date of the offence.

How an MS70 Conviction Affects Car Insurance

How Long an MS70 Conviction Stays on Your Record

Conviction Code Endorsement Duration Insurance Impact Period
MS70 4 years 5 years considered by insurers

Insurance providers can check your driving conviction history for up to five years from the date of conviction. This is based on the rules from the Financial Conduct Authority (FCA).

Risk of Disqualification After an MS70 Conviction

A single MS70 offence usually doesn’t cause disqualification. This only happens if it comes with other penalties. However, serious problems like dangerous driving or several offences can make you lose your licence.

Issue Risk
12 points in 3 years Minimum 6-month driving ban
Refusal to comply with eyesight rules Court summons and possible ban

Fact: Police usually ask drivers to read a licence plate from 20 meters away during vision checks. If you do not pass this test, it can result in immediate action.

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Car Insurance Options After an MS70 Conviction

Drivers with an MS70 still have several options:

  • Third Party Only: Takes care of legal needs.
  • Third Party, Fire and Theft: Offers more protection against theft.
  • Comprehensive: Gives full coverage for your damage and damage to others.
Cover Type What It Covers
Third Party Covers injury and damage to others
Third Party, Fire and Theft Adds protection for theft and fire
Comprehensive Protects both your car and others'

Specialist convicted driver insurance providers can help drivers get coverage after a conviction related to eyesight issues.

How to Lower Car Insurance Costs After an MS70 Conviction

How to Lower Car Insurance Costs After an MS70 Conviction

  • Get a full eyesight test and send the latest documents to your insurers.
  • Review quotes from various specialist insurers.
  • Choose a car with a smaller engine to lower risk.
  • Keep your national insurance number and driving licence updated with the DVLA.
  • Clear small text files (cookies) from your browser before checking quotes to avoid higher prices from previous choices.

FAQs About MS70 Car Insurance

You may need to look for specialist providers if you have drivers who have issues with uncorrected defective eyesight offences.

Insurance premiums can increase dramatically, ranging from 50% to 100%. This change often depends on your driving record along with several other risk factors.

You must declare it for five years from the date of conviction. The endorsement will stay for four years.

You could receive a driving ban if you are caught with other offenses. This includes careless driving and dangerous driving.

Get help from a broker who specialises in convicted driver insurance. It's also important to ensure your eyesight is fully corrected and has the right documentation.

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Page last updated on: 30/04/2025

Page reviewed by: Shay Ramani

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