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  • Car insurance for LC20, LC30, LC40, and LC50 convictions.
  • You can get coverage even after a driving-related offense.
  • Compare different insurers for car insurance if you have LC20 to LC50 convictions.

What Are LC20, LC30, LC40, and LC50 Convictions?

A licence-related conviction happens when a driver operates a vehicle without a proper licence, provides wrong details, or fails to meet medical requirements. If a driver is convicted, they may receive penalty points. This can also cause higher insurance rates and possible driving bans. As a result, it becomes difficult to get affordable convicted driver insurance.

Licence Offences Motoring Conviction Codes

Conviction Code Offence Penalty Points Licence Endorsement Duration
LC20 Driving otherwise than in accordance with a licence 3 - 6 4 years
LC30 Driving after making a false declaration about fitness when applying for a licence 3 - 6 4 years
LC40 Driving a vehicle having failed to notify a disability 3 - 6 4 years
LC50 Driving after a licence has been revoked or refused on medical grounds 3 - 6 4 years

Fact: A driver with an LC50 conviction may have to complete medical assessments. This is important for getting their driving licence back.

How an LC20, LC30, LC40, or LC50 Conviction Affects Car Insurance

Having an LC code on your driving record makes it more difficult to get cheap motor insurance. Insurance providers think these offences mean a higher risk.

  • Higher insurance costs - Drivers with convictions can see their insurance rates go up by 80% to 150%.
  • Restricted insurance options - Many insurance companies only offer coverage for third-party fire and theft.
  • Effect on van insurance - Drivers who have licence issues may face higher costs for commercial vehicle insurance.
  • Need for specialist insurance providers - Some insurers will only cover drivers with unspent convictions.

Estimated Cost Increase for LC Conviction Car Insurance

Conviction Type Average Monthly Premium Before Conviction (£) Average Monthly Premium After Conviction (£) Percentage Increase
Standard UK Driver (No Convictions) £40 - £90 £60 - £140 50% - 100%
Convicted Driver (LC20, LC30) £60 - £120 £100 - £200 80% - 150%
Convicted Driver (LC40, LC50) £80 - £150 £120 - £250 100% - 200%

Tip: Insurance policies for convicted drivers may have better rates with specialist insurance providers compared to regular insurers.

What Happens If You Are Caught Driving After an LC Disqualification?

A driving ban from an LC conviction means that a driver cannot legally drive for a certain amount of time. If someone drives while banned, the penalties are tougher. This can cause higher insurance costs and problems with legal status.

Penalties for Driving After Disqualification

Offence Penalty Additional Consequences
First-time offence Fine of up to £1,000 Possible additional driving ban
Second offence Fine of up to £5,000 Higher penalty points and automatic disqualification
Multiple offences Unlimited fine Possible imprisonment for repeat offenders
If You Are Caught Driving After an LC Disqualification

Fact: A driver who has an LC40 or LC50 conviction needs to get medical approval from the DVLA. This must be done before they apply for insurance coverage.

How an LC Conviction Compares to Other Driving Offences

Conviction Code Offence Penalty Points Impact on Insurance Premium
LC20 Driving otherwise than in accordance with a licence 3 - 6 80% - 150% increase
LC40 Driving a vehicle having failed to notify a disability 3 - 6 100% - 200% increase
DD40 Dangerous driving 3 - 11 100% - 200% increase
DR10 Drink driving 3 - 11 150% - 250% increase

Tip: Drivers with an LC40 or LC50 conviction may need to provide medical proof that they are okay to drive again.

How to Appeal an LC Conviction If You Believe It’s Unfair

Some drivers receive LC convictions that are not fair. This can happen due to errors in DVLA records, issues with insurance, or incorrect medical checks. If you believe your licence conviction is wrong, you can challenge the endorsement. Doing this can help you find some peace of mind again.

Steps to Appeal an LC Conviction

  • Request a full copy of your driving record - You can check your registration number and licence status on the DVLA website.
  • Verify the conviction details - Ensure the date of the offence, type of conviction, and endorsement period are correct.
  • Gather supporting evidence - If your conviction is due to a medical condition (LC40 or LC50), provide updated medical reports.
  • Contact the DVLA or a legal representative - If you feel there is a breach of the law regarding your case, a legal expert can help you.
  • Apply to have the conviction removed early - In some cases, you can request to review the endorsement before the four-year time period is finished.

Fact: A wrong LC conviction can place you in a high-risk group. This can make it hard to find cheap private car insurance. If you believe your conviction is incorrect, act quickly to prevent your rates from increasing.

What Happens If You Fail to Declare an LC Conviction to Your Insurer?

When you apply for car insurance, you must say if you have an LC20, LC30, LC40, or LC50 conviction. If you don't share this driving offence, it can lead to big issues, such as your policy being cancelled.

If You Fail to Declare an LC Conviction to Your Insurer

Consequences of Not Declaring an LC Conviction

Issue What Happens?
Policy Cancellation Insurers can void your insurance policy, leaving you uninsured.
Claim Denial If an event of a claim occurs, the insurer may reject the payout.
Higher Insurance Costs Insurers will classify you as a high-risk driver, leading to higher premiums.
Fraud Investigation Failing to disclose a conviction could be considered insurance fraud, with legal action possible.

Tip: Always be honest when you apply for car insurance. A special insurance provider from a group of FCA-approved brokers can help convicted drivers find the right place for private car insurance.

How to Appeal an LC Conviction If You Believe It’s Unfair

Some drivers receive LC convictions even when it is not deserved. This can occur due to errors in DVLA records, confusion with insurance, or incorrect medical checks. If you think that your licence conviction is unfair, you can challenge the endorsement. This can help you feel better and get your peace of mind back.

Steps to Appeal an LC Conviction

  • Request a full copy of your driving record - You can check your registration number and licence status online at the DVLA website.
  • Verify the conviction details - Make sure the date of the offence, type of conviction, and endorsement period are all accurate.
  • Gather supporting evidence - If your conviction results from a medical condition (like LC40 or LC50), provide updated medical reports.
  • Contact the DVLA or a legal representative - If you think there is a breach of the law in your case, getting help from a legal expert is a good choice.
  • Apply to have the conviction removed early - In some cases, you can ask for the endorsement to be checked before the four years are over.

Fact: A wrong LC conviction on your record can put you in a high-risk group. This can make it harder to find affordable private car insurance. If you believe your conviction is incorrect, act quickly. This can help you avoid extra increases in your insurance premium.

What Happens If You Fail to Declare an LC Conviction to Your Insurer?

When you buy car insurance, you need to tell them if you have an LC20, LC30, LC40, or LC50 conviction. If you do not share this information about your driving offence, it might lead to big issues, like your policy being cancelled.

Consequences of Not Declaring an LC Conviction

Issue What Happens?
Policy Cancellation Insurers can void your insurance policy, leaving you uninsured.
Claim Denial If an event of a claim occurs, the insurer may reject the payout.
Higher Insurance Costs Insurers will classify you as a high-risk driver, leading to higher premiums.
Fraud Investigation Failing to disclose a conviction could be considered insurance fraud, with legal action possible.

Tip: Always tell the truth when you apply for driving car insurance. A specialist from a panel of FCA-approved brokers can help convicted drivers find the right place for private car insurance.

How to Get Car Insurance After an LC20, LC30, LC40, or LC50 Conviction

Drivers with an LC conviction can still get car insurance. They just need to take steps to lower their insurance premium.

Ways to Reduce Car Insurance Costs After an LC Conviction

  • Compare convicted driver insurance providers - Some insurance companies cater to high-risk drivers.
  • Choose the right policy - Some drivers may find that third-party fire insurance is cheaper than full coverage.
  • Increase voluntary excess - Raising your excess can help cut down your car insurance costs.
  • Take an advanced driving course - Some insurance policies offer discounts for drivers who complete a driving improvement course.
  • Maintain a clean driving record - Avoiding traffic offences can lower your future insurance payments.
  • Check if you qualify for a lower-risk category - Drivers with specific medical issues may return to standard rates after a review.

Fact: The Financial Conduct Authority (FCA) oversees insurance providers. They ensure that high-risk drivers pay fair prices.

FAQs About LC20, LC30, LC40, and LC50 Car Insurance

Yes, you may need to look for specialist insurance providers that give coverage for convicted drivers.

An LC30 conviction can increase your insurance costs by 80% to 150%. This change depends on the severity of the offence.

An LC endorsement stays on a driver’s licence for four years. But, when calculating premiums, insurers often consider it for five years.

If your licence was taken away because of an LC50 offence, you may need to complete medical tests. This is required before you can regain your driving rights.

Yes, van insurance might be more expensive for drivers with LC endorsements. This is due to the higher risk linked to these drivers.

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Page last updated on: 19/03/2025

Page reviewed by: Shay Ramani

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