Compare MR19 Car Insurance – Hit and Run Conviction Cover

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  • Get lower insurance quotes after an MR19 offence.
  • Compare drivers insurance for UK motorists with convictions.
  • Find coverage designed for motoring offences like MR19 endorsements.

What Is an MR19 Conviction?

An MR19 conviction is issued when a driver does not stop after an accident or fails to report an accident they were part of. This is usually called a hit and run. It is seen as a serious motoring conviction according to UK law.

Key Facts About MR19 Convictions:

  • Offence: Not stopping or reporting an accident
  • Penalty: A fine, penalty points, and possible driving ban or jail time
  • Licence Endorsement Duration: 4 years from the date of conviction
  • Impact on Insurance: Insurers see MR19 drivers as higher risk, which results in higher premiums

A driver who has an MR19 endorsement code may face extra penalties based on how serious the offence is. In more serious cases, the driver could lose their drivers licence for a longer period of time.

MR19 Conviction Penalties

Conviction Code Offence Licence Points Driving Ban Endorsement Duration
MR19 Failing to stop/report an accident 5 - 10 Possible ban 4 years
SP30 Speeding offence 3 - 6 No ban (unless totting-up applies) 4 years
CU80 Using a mobile phone while driving 6 No ban (unless totting-up applies) 4 years
DR10 Dangerous driving under the influence 3 - 11 Minimum 12 months 11 years
IN10 Driving without insurance 6 - 8 Possible ban 4 years

Fact: A driver who has an unspent conviction like MR19 might see that insurance brokers ask for much higher premiums. This is because the length of time the offence is considered can affect risk assessments a lot.

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How an MR19 Conviction Affects Car Insurance

An MR19 endorsement makes it harder to get convicted car insurance. This is because it puts you in a higher risk category.

  • Higher insurance costs – After an MR19 conviction, premiums can rise by 100% to 300%.
  • Limited policy options – Some insurance companies might not cover MR19 drivers.
  • Strict terms and conditions – Policies may provide only third-party fire cover, not full comprehensive insurance.
MR19 Conviction Affects Car Insurance

Estimated Insurance Cost Increase for MR19 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%
MR19 – Hit and run offence £80 - £150 £200 - £450 100% - 300%
DR10 – Dangerous driving offence £80 - £150 £200 - £450 150% - 300%

Fact: Some insurance brokers provide policies just for MR19 drivers. However, premiums will stay high for a certain length of time after the date of offence.

How Long Does an MR19 Conviction Affect Insurance?

An MR19 conviction stays on a driver’s licence for four years. However, insurance coverage can stay high for up to five years.

Timeframe Impact on Car Insurance
1 - 4 Years Conviction remains on licence, increasing premiums
4 Years DVLA removes MR19 endorsement from licence
5 Years Some insurers stop considering MR19 convictions in pricing

Fact: In some situations, drivers with MR19 convictions in Northern Ireland and the Isle of Man might face even higher insurance costs. This is because there are fewer insurance brokers in these areas.

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MR19 Car Insurance Cover Options

Drivers who have an MR19 conviction can pick from several insurance policies:

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 more money for third-party fire coverage. This is because drivers with a criminal record present a higher risk of making claims.

How to Reduce Car Insurance Costs After an MR19 Conviction

  • Compare insurance providers for convicted drivers – Some companies focus on MR19 convictions.
  • Think about black box insurance – Telematics plans watch your driving habits and may lower costs.
  • Raise your voluntary excess – Choosing a higher excess can decrease your monthly payments.
  • Work on having a clean driving record – Stay away from more driving offences to earn back insurer trust.
  • Take an advanced driving course – Some insurers give discounts for safety courses approved by the Financial Conduct Authority.

Tip: Some insurance companies lower their rates after three years if a driver has no more violations.

FAQs About MR19 Car Insurance

Yes, insurance premiums will go up. A good way to find low-cost policies is to compare quotes from expert brokers.

An MR19 endorsement stays on a driving licence for four years. However, insurance companies might consider it when checking premiums for up to five years.

An MR19 endorsement can result in a driving ban. This will depend on how serious the offence is.

Yes, if you need van insurance or motor insurance, your premiums will go up after an MR19 conviction.

To lower the cost of your insurance, you should compare different insurance policies. You might also look into black box insurance. Keeping a clean driving record is important too.

The date of the offence matters for insurance pricing. A recent driving conviction causes higher premiums. However, over time, if there are no more violations, the insurers might lower those extra charges.

Insurers see dangerous driving, careless driving, and hit-and-run offenses as high-risk. This is because there's a higher chance of claims related to these actions. Convictions with fixed penalty notices might affect insurance less.

If you have an MR19 conviction, insurance companies might make it harder for you when they look at the event of a claim. This can result in higher excess fees or less coverage. Some companies may even decide not to cover certain types of claims.

Yes, some insurance companies might ask for more money in premiums for third-party fire insurance. This is because there is a higher risk connected to drivers with convictions. Specialist brokers could provide better deals.

Your registration number helps insurance companies look at your vehicle information and driving record. This includes any criminal convictions or past driving offences. It helps them give you a correct quote.

Most insurance companies charge cancellation fees. This means getting a full refund is not likely. A few special insurers do provide partial refunds, but it depends on the amount of time left on the policy.

Many insurance companies use Facebook pixel tags and Facebook advertising campaigns. They use these tools to retarget drivers looking for convicted car insurance. This helps drivers find the best quote quickly.

An MR19 conviction might not change your financial advice profile directly. However, insurers may look at your criminal record and driving convictions when they evaluate high-risk applicants.

Free Price Compare helps drivers who need special coverage connect with insurance brokers. This service allows them to find good quotes in a matter of minutes.

Yes, some insurance companies need a DVLA code. They use this code to look at your driving licence details. This includes the date of the offence and any endorsement codes before they can offer you a policy.

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Page last updated on: 26/03/2025

Page reviewed by: Shay Ramani

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