Compare TS20 Car Insurance – Double White Line Offences

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  • Get special cover for TS20 convictions.
  • Look for affordable car insurance after getting a TS20 offence.
  • Compare convicted driver insurance policies in the UK.

What Is a TS20 Conviction?

A TS20 conviction happens when a driver crosses or straddles double white lines on the road when they should not. This is seen as a motoring offence in the UK. It can create dangerous driving situations.

Key Facts About TS20 Convictions:

  • Offence: Crossing or straddling double white lines
  • Penalty Points: 3
  • Fine: Up to £1,000
  • Licence Endorsement Duration: 4 years
  • Impact on Insurance: Higher risk category for insurers

A TS20 endorsement stays on a driving record for four years after the date of the offence. Insurers consider this when deciding on premiums.

TS20 Conviction Penalties and Consequences

Code Offence Penalty Points
TS10 Failing to comply with traffic signals 3
TS20 Failing to comply with double white lines 3
TS30 Failing to comply with a ‘Stop’ sign 3
TS40 Failing to comply with direction of a constable/warden 3
TS50 Failing to comply with a traffic sign (excluding ‘Stop’ signs, traffic lights, or double white lines) 3
TS60 Failing to comply with a school crossing patrol sign 3
TS70 Undefined failure to comply with a traffic direction sign 3

How a TS20 Conviction Affects Car Insurance

A TS20 endorsement makes drivers seem like a higher risk to insurance companies. This can lead to several consequences for them.

  • Higher insurance costs – A convicted driver might face a rise in premiums of 50% to 100%.
  • Less insurance options – Some insurers will not cover drivers with TS20 convictions.
  • Tougher conditions – Some insurers might only provide third-party insurance instead of full coverage.

Estimated Insurance Cost Increase for TS20 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%
TS20 – Crossing double white lines £60 - £120 £100 - £250 50% - 100%
DR10 – Drink driving £80 - £150 £200 - £400 150% - 300%

Fact: Some specialist brokers provide convicted driver insurance at lower rates than regular insurance companies.

How Long Does a TS20 Conviction Affect Insurance?

A TS20 conviction can impact your insurance rates for up to five years. This is true even if it only stays on your driving licence for four years.

Timeframe Impact on Car Insurance
1 - 4 Years Conviction remains on licence, leading to higher premiums.
4 Years DVLA removes TS20 endorsement from licence.
5 Years Many insurers stop considering TS20 convictions in pricing.

Fact: According to the Rehabilitation of Offenders Act, a TS20 conviction becomes “spent” after five years. This means that some insurers might not think about it anymore.

TS20 Car Insurance Cover Options

Drivers with a TS20 conviction have several options for insurance cover types.

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

Some insurance companies ask for higher premiums for third-party only insurance. This is because convicted drivers have a higher risk of making claims.

How to Reduce Car Insurance Costs After a TS20 Conviction

Even if you have a TS20 endorsement, there are ways for drivers to lower their insurance premium:

  • Compare convicted driver insurance providers – Some companies focus on TS20 convictions.
  • Consider black box insurance – These plans track your driving and can help lower costs.
  • Increase voluntary excess – Choosing a higher excess can reduce your monthly payments.
  • Build a clean driving record – Stay clear of further traffic offences to earn the trust of insurers.
  • Take an advanced driving course – Some insurers give discounts for FCA-approved driving safety classes.

Tip: Some insurance companies lower premiums after three years if a driver has no more offences.

FAQs About TS20 Car Insurance

Yes, but insurance prices will go up. A great way to find cheap policies is to look at quotes from expert brokers.

A TS20 endorsement stays on a driving licence for four years. However, insurance companies might consider it when setting premiums for up to five years.

A driving ban does not happen often. However, it can occur if someone has other offences, like careless driving or using a mobile phone while driving.

Yes, the seriousness of the offence and the type of vehicle are important factors that insurers use to determine risk.

A TS20 endorsement stays on a licence for four years. Keeping a clean record can help lower your insurance costs over time.

A TS20 is seen as less serious than drink driving. However, it still makes your insurance costs go up. Other offenses, like dangerous driving or crossing double white lines, can lead to tougher punishments.

The best way to find a good deal is to compare insurance policies for convicted drivers. You can also choose black box insurance and make sure you keep a clean record.

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Page last updated on: 21/03/2025

Page reviewed by: Shay Ramani

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