Compare TS10 Car Insurance – Running Red Light Convictions

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  • Specialist Cover for TS10 Traffic Light Offences
  • Get car insurance after a TS10 conviction
  • Compare convicted driver insurance policies

What Is a TS10 Conviction?

A TS10 conviction happens when drivers run a red light or do not follow traffic signals. This is a common motoring offence in the UK. It can result in penalty points, fines, and increased insurance costs.

Key Details About TS10 Convictions:

  • Offence: Not following traffic signals
  • Penalty Points: 3
  • Fine: Up to £1,000
  • Licence Endorsement Duration: 4 years
  • Potential Impact: A higher risk for insurers

A police officer can issue a Fixed Penalty Notice (FPN). If the offence is serious, the driver may need to appear in court.

Fact: TS10 offences stay on your driving record. Insurance companies check this record when they set your premiums.

TS10 Conviction Penalties

Offence Penalty Points Fine Endorsement Duration
TS10 - Running a red light 3 Up to £1,000 4 years
TS20 - Contravening double white lines 3 Up to £1,000 4 years
TS30 - Failing to comply with 'Stop' sign 3 Up to £1,000 4 years
TS40 - Failing to comply with direction of a police officer 3 Up to £1,000 4 years
TS50 - Failing to comply with pedestrian crossing regulations 3 Up to £1,000 4 years

How a TS10 Conviction Affects Car Insurance

Drivers who have a TS10 endorsement are seen as higher-risk by insurance companies. This can lead to:

  • Higher insurance costs - A convicted driver may see their premium go up by 50% to 100%.
  • Fewer policy choices - Some insurance companies might not insure convicted drivers.
  • Tighter terms - Some policies might offer only third-party, fire, and theft coverage instead of full coverage.

Estimated Insurance Cost Increase for TS10 Convictions

Conviction Type Monthly Premium Before Conviction (£) Monthly Premium After Conviction (£) Percentage Increase
Standard Driver (No Convictions) £40 - £90 £40 - £90 No increase
SP30 - Speeding offence £50 - £100 £90 - £200 80% - 150%
CU80 - Using mobile phone while driving £60 - £110 £110 - £220 90% - 180%
TS10 - Running a red light £60 - £120 £100 - £250 50% - 100%
DR10 - Drink driving £80 - £150 £200 - £400 150% - 300%

How Long Does a TS10 Conviction Affect Insurance?

A TS10 endorsement stays on a driving licence for four years. However, insurers often consider it for five years when deciding on premiums.

Timeframe Impact on Car Insurance
1 - 4 Years Conviction remains on driving licence, increasing premiums
4 Years DVLA removes TS10 endorsement from licence
5 Years Many insurers stop considering TS10 convictions in pricing

Fact: The Rehabilitation of Offenders Act 1974 states that a TS10 conviction becomes “spent” after five years. This means that some insurers will no longer include it in their pricing.

TS10 Car Insurance Cover Options

Drivers who have a TS10 conviction can choose from several options for their insurance policy.

Level of Cover Best For Cost Impact
Third-Party Only Cheapest legal cover, meets minimum UK requirements £
Third-Party, Fire & Theft Includes fire and theft protection ££
Fully Comprehensive Covers own vehicle and third parties £££

How to Reduce Car Insurance Costs After a TS10 Conviction

Even if you have a TS10 endorsement, there are still ways to reduce your insurance premium:

  • Compare convicted driver insurance providers - Some insurers focus on drivers with convictions.
  • Consider black box insurance - These policies track your driving habits. They can help lower your costs.
  • Increase voluntary excess - By choosing a higher excess, you can lower your monthly payments.
  • Build a clean driving record - Avoid any more offences to gain the trust of your insurer.
  • Take an advanced driving course - Some insurers offer discounts for completing safety courses.

Tip: Some insurance companies lower rates after three years if a driver does not have any new offences.

FAQs About TS10 Car Insurance

Yes, it will cost more. The best way to find affordable options is to compare policies from experts in convicted driver insurance.

A TS10 conviction stays on your driving licence for four years. However, insurance companies may take it into account when they set prices for up to five years.

It doesn't usually happen, but a driving ban can occur if the offence is serious. This is especially true if it comes with other issues, like careless driving or using a mobile phone.

Yes, the increase in cost depends on the type of offence and how serious it is. It also depends on the insurer's risk assessment. Some vehicles may cost more to insure.

A TS10 endorsement lasts for four years. If you keep a clean driving record, it can lower your insurance costs over time.

A TS10 is not as bad as drink driving, but it can still increase your insurance costs. Other actions, such as crossing double white lines or using a mobile phone, can lead to the same penalties.

The best way is to compare quotes from insurance companies that help drivers with convictions. You should also think about getting black box insurance. Lastly, it is important to keep a clean record.

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Page last updated on: 21/03/2025

Page reviewed by: Shay Ramani

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