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Convictions Car Insurance Comparison

  • Car insurance for CU80 mobile phone convictions
  • Find cover after a CU80 conviction at a fair price
  • Compare insurers and reduce your insurance costs

What is a CU80 Conviction?

A CU80 conviction happens when drivers use a handheld mobile phone or any interactive communication device while driving a motor vehicle. This action is a serious breach of the Road Traffic Act. It can have a big impact on the driver’s control of the vehicle.

Penalties for a CU80 Conviction

Conviction Code Offence Penalty Points Fine (£) Time on Driving Licence
CU80 Using a mobile phone while driving 6 Up to £1,000 (£2,500 for HGV & bus drivers) 4 years

Fact: A learner driver or a person with less than two years of driving experience will get a driving ban if they get a CU80 conviction. This is based on DVLA rules.

How a CU80 Conviction Affects Car Insurance

A CU80 endorsement on your driving licence means insurers view you as a higher risk. This can result in several outcomes.

  • Higher insurance costs – A CU80 conviction can make your cost of insurance go up by 30% to 70%. This increase depends on how serious the offence is and how many penalty points you have.
  • Fewer policy choices – Some insurance companies may not offer driver insurance to people with a conviction.
  • Tougher policy rules – Insurers might require black box (telematics) insurance or higher excess fees.

Estimated Cost Increase After a CU80 Conviction

Driver Type Average Monthly Premium Before CU80 (£) Average Monthly Premium After CU80 (£) Percentage Increase
Standard UK Driver (No Convictions) £40 - £90 £50 - £120 30% - 70%
Young Driver (Under 25 Years of Age) £100 - £180 £140 - £250 40% - 90%
High-Risk Driver (Multiple Convictions) £120 - £200 £180 - £300 50% - 100%

Fact: A good way to lower your insurance premium after a CU80 conviction is to compare different policies from companies that offer insurance for drivers with convictions.

How the CU80 Conviction Affects Different Types of Drivers

A CU80 conviction for using a mobile phone while driving affects drivers differently. It depends on their age, job, and the type of vehicle they use. The impact on insurance costs, driving licences, and job opportunities also varies among different types of drivers.

Young Drivers (Under 25 Years of Age)

How it affects them:

  • Higher insurance costs – A CU80 conviction can increase a young driver's insurance premium by 70% to 150%.
  • Chance of losing your licence – Drivers with less than two years of experience could lose their licence if they get 6 penalty points.
  • Limited insurance choices – Many insurance companies may not cover you, making it hard to find good car insurance.

A 19-year-old driver with a CU80 conviction may notice a rise in their insurance premium. It could change from £1,200 a year to over £2,500.

Professional Drivers (HGV, Taxi, and Delivery Drivers)

How it affects them:

  • Bigger fines – HGV and bus drivers can now be fined as much as £2,500. This is a big step up from the old £1,000 fine.
  • Chance of job loss – Many employers have tough rules about driving offenses. They might let go of drivers who have convictions.
  • Limited insurance choices for fleets – Employers may struggle to find fleet insurance for drivers with convictions.

A taxi driver with a CU80 conviction may have to tell their boss. This could lead to getting suspended or possibly losing their job.

Company Car Drivers

How it affects them:

  • Employer restrictions – Some companies may not let people with CU80 convictions drive their cars.
  • Fleet insurance exclusions – Many business fleet insurance policies might not cover drivers with mobile phone offenses.
  • Employment risks – Workers may have to pay higher insurance costs on their own or could lose their job.

A sales representative who has a company car may need to buy private insurance. This is necessary if the company's insurer does not offer coverage.

Motorcycle and Van Drivers

How it affects them:

  • Higher risk classification – Insurance companies view motorcyclists and van drivers as higher risk. A CU80 conviction raises insurance costs even more.
  • Increased business insurance costs – Self-employed van drivers who rely on their vehicles may struggle to find affordable insurance.

A self-employed delivery driver might see their insurance premium go up from £1,500 to over £3,000 every year after getting a CU80 conviction.

How the CU80 Conviction Affects Different Types of Drivers

What to Do If You Are Wrongly Issued a CU80 Conviction

If you feel that you got a CU80 conviction by mistake, you can appeal it. Many drivers are fined unfairly. This can happen because the law is confusing or there is not enough proof.

What Counts as a Valid CU80 Conviction?

According to the Road Traffic Act, you can receive a CU80 conviction if:

  • A driver is using a mobile phone or an interactive communication device when they drive.
  • The driver is holding the device, even if they are not calling or texting.
  • The driver is stopped at traffic lights or in a traffic jam but is still using the vehicle.

Fact: It is legal to use a mobile phone hands-free. But, if it makes you lose control of the vehicle, it can become illegal. This could result in a dangerous driving or careless driving conviction.

Steps to Appeal a CU80 Fixed Penalty Notice

If you receive a CU80 endorsement and think it is not correct, do these things:

  • Check the offence details – Look at the date of the offence, the location, and the details of the fixed penalty notice.
  • Request evidence – Ask the police or DVLA for photo or video proof of the offence.
  • Contact a legal expert – A lawyer who understands traffic law can help you determine if you can appeal.
  • Submit an appeal within 28 days – You must make your appeal within 28 days to avoid extra penalties.
  • Prepare for court if necessary – If your case goes to court, you may need witness statements, dashcam footage, or phone records to prove the claim is wrong.

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How CU80 Compares to Other Driving Convictions

Conviction Code Offence Penalty Points Insurance Premium Increase
CU80 Using a mobile phone while driving 6 30% - 70%
SP30 Speeding 3 - 6 10% - 50%
DR10 Drink driving 3 - 11 100% - 200%
IN10 Driving without insurance 6 - 8 40% - 100%
BA10 Driving while disqualified 6 50% - 150%

Tip: If you use your mobile phone at traffic lights, you can still get a CU80 conviction. This falls under the Road Traffic Act. You are not in full control of the vehicle when using your phone.

How to Reduce Insurance Costs After a CU80 Conviction

A CU80 conviction can increase your insurance costs. But, you can lower your premium by following these steps:

1. Consider Black Box Insurance

  • Telematics insurance tracks your driving habits. It offers lower premiums for drivers who practice safe driving.
  • This is great for drivers looking to enhance their insurance record after having a conviction.

2. Choose the Right Type of Car

  • Some cars cost more to insure. This is because they perform better and have higher repair costs.
  • Picking a safer car can result in lower car insurance costs.

3. Increase Your Voluntary Excess

  • Choosing a higher voluntary excess can reduce your premium. Just be sure it is an amount you can afford if you have to make a claim.

4. Drive a Full Year Without Further Offences

Keeping a clean driving record after a CU80 conviction will help you get better insurance rates in the future.

Fact: Some insurance companies can treat CU80 convictions as unspent convictions. This may occur under the Rehabilitation of Offenders Act if enough time has passed since the date of the offence.

CU80 Car Insurance – Finding the Best Policy

Having a CU80 motoring conviction doesn’t mean you can’t get insurance. You might just need to look for an insurer that works with high-risk drivers.

CU80 Car Insurance - Finding the Best Policy

Steps to Get Affordable Car Insurance After a CU80 Conviction

  • Compare insurance companies for convicted drivers – Some companies offer CU80 driver insurance.
  • Think about telematics insurance – A black box policy can help lower your insurance cost.
  • Increase your voluntary excess – A higher excess can reduce your monthly insurance bill.
  • Avoid more driving convictions – If you are convicted of dangerous driving, careless driving, or red light offences, your premiums will rise.
  • Check if your conviction is spent – According to the Rehabilitation of Offenders Act, some insurers might overlook older convictions.

Tip: If learner drivers get caught using a mobile phone while driving, they need to get special insurance coverage. Regular insurance policies may not cover them anymore.

FAQs About CU80 Car Insurance

Yes, you may need to find a special insurance provider if you have a conviction. Some regular insurers might not give you coverage.

A CU80 conviction can increase your car insurance premium by 30% to 70%. This change depends on how serious the offence is and your past driving history.

A CU80 endorsement remains on your driving licence for 4 years from the date of the offence.

A CU80 is a special kind of offence. It usually relates to dangerous driving and careless driving. This link is especially true when someone loses control of their vehicle.

Yes, you can get short-term car insurance even if you are a convicted driver. Just know that you will likely pay higher premiums. This is because you are in a higher risk category.

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Page last updated on: 30/04/2025

Page reviewed by: Shay Ramani

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