Compare IN10 Car Insurance – Driving Without Insurance

How an IN10 Conviction Affects Car Insurance

Having an IN10 conviction can make it hard to get affordable insurance. Insurance companies see drivers with convictions as a high-risk group.

• Higher insurance costs - A driving offence like IN10 can raise your insurance by 50% to 150%.
• Fewer insurer choices - Some insurance companies may not cover drivers who have an IN10 endorsement.
• Need for black box insurance - Many insurers like to use a telematics policy to watch your driving habits.
• Limits on level of cover - Some insurers may only provide third-party coverage instead of full insurance.

Estimated Cost Increase for IN10 Car Insurance

Tip: If you check out convicted driver insurance policies with a specialist insurance broker, you might find the best deal.

How to Prove You Had Insurance if Wrongly Accused of an IN10 Offence

Some drivers can get an IN10 conviction by mistake. This often happens because of wrong policy details, bad communication with their insurer, or not having proof of insurance when stopped by a police officer.

Steps to Take If You Were Insured at the Time of the Offence

Drivers who think they are wrongly accused of not having valid insurance should do the following:

1. Check your policy details
   • Make sure your policy number, car registration, and personal information are correct.
   • Confirm that your insurance policy was active on the date of the offence.
2. Contact your insurance provider
   • Ask them for written proof that you had valid insurance on the day of the offence.
   • If your policy just ran out, check if you were still in a grace period.
3. Request evidence from the Motor Insurance Database (MID)
   • If your insurance was valid but not showing in the system, request an official update from the MID.
   • The police use the MID when they stop drivers, so old records can lead to an incorrect IN10 charge.
4. Dispute the conviction
   • If you have proof of insurance, you can challenge the IN10 offence in court.
   • Get legal advice if you need help to contest the conviction and avoid penalty points.

Tip: It’s wise to have a digital copy of your insurance documents. Also, make sure your policy is on the Motor Insurance Database. This can help you avoid unfair IN10 penalties.

How to Get Car Insurance After an IN10 Conviction

Drivers can still get car insurance after an IN10 offence. However, they may need to put in some extra effort to find a good quote.

Ways to Lower Insurance Premiums After an IN10 Conviction

• Compare convicted driver insurance providers - Some companies offer insurance for drivers with past convictions.
• Increase voluntary excess - A higher excess can lower your overall insurance costs.
• Choose the right policy - Sometimes, third-party insurance plans are cheaper than full coverage.
• Maintain a clean driving record - Staying free from more offenses can help you gain trust with insurance companies.
• Consider black box insurance - A telematics policy can show that you drive safely.
• Look for a lower insurance group vehicle - Cars in lower insurance groups usually have cheaper insurance.

Fact: The date of your conviction matters. Some insurance companies give better deals when more time has passed since the date of the offence.