Compare MR39 Car Insurance – Speeding Conviction Cover

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Get car insurance after an MR39 conviction. Compare policies designed for drivers in the UK who have been caught speeding. Look for coverage that suits MR39 endorsements.

What Is an MR39 Conviction?

An MR39 conviction is given to drivers who are caught driving over the speed limit. This endorsement is part of the mutual recognition codes. It applies to offences that happen in places like Northern Ireland or the Isle of Man. The conviction stays on the driving licence for four years from the date of conviction.

Key Facts About MR39 Convictions:

  • Offence: Driving faster than the allowed speed limit.
  • Penalty: A fine, penalty points, and a possible driving ban.
  • Licence Endorsement Duration: 4 years from the date of conviction.
  • Impact on Insurance: Insurance providers see MR39 drivers as high risk. This can raise insurance costs.

MR39 Conviction Penalties

Conviction Code Offence Penalty Points Driving Ban Endorsement Duration
MR39 Driving over the speed limit N/A Possible 4 years
SP30 Exceeding statutory speed limit 3 - 6 Possible 4 years
SP50 Exceeding motorway speed limit 3 - 6 Possible 4 years

Note: The seriousness of the offence and past convictions can affect the number of points given and how long the disqualification period lasts.

How an MR39 Conviction Affects Car Insurance

An MR39 endorsement can change how car insurance works. Insurance companies view it as a higher risk. This can lead to higher rates for you.

  • Higher Insurance Premiums: Your premiums can go up a lot after an MR39 conviction.
  • Limited Coverage Options: Some insurance providers might not offer coverage, while others could only provide third party risks policies.
  • Stricter Terms: Policies may come with higher excess payments and extra restrictions.
How an MR39 Conviction Affects Car Insurance

Estimated Insurance Cost Increase for MR39 Convictions

Conviction Type Avg. Premium Before Conviction (£) Avg. Premium After Conviction (£) Percentage Increase
Standard Driver 500 500 0%
SP30 550 825 50%
MR39 600 1,200 100%

Note: The numbers can change based on the insurer, where you live, and your driving history.

How Long Does an MR39 Conviction Affect Insurance?

A MR39 conviction stays on your driving licence for four years starting from the date of conviction. But, its effect on insurance premiums may last longer. This depends on the insurer.

Timeframe Impact on Car Insurance
1 - 4 Years Conviction remains on driving record; higher insurance premiums
4 Years Conviction removed from licence; some insurers may still factor it in
5+ Years Many insurers stop considering the conviction

Always tell your insurer the truth about any driving offences. This is important to follow UK rules.

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MR39 Car Insurance Cover Options

Level of Cover Description Cost Impact
Third-Party Only Covers third party only; legal minimum in the UK £
Third-Party, Fire & Theft Adds theft/fire protection to third-party cover ££
Fully Comprehensive Covers your vehicle and third party damage £££

Some insurance companies offer fewer coverage options for people with MR39 convictions because of the higher risk involved.

Regulatory and Legal Considerations for MR39 Drivers

If you get a driving conviction under codes like MR39, it's important to know how insurers and authorities view your offence. The date of the offence, the date of conviction, and the total of penalty points will affect your insurance premium and the chance of a driving disqualification.

Some MR39 cases may be linked to careless driving, furious driving, or using a mobile phone while driving. This is especially true when speeding happens along with other driving violations. If alcohol is involved, your alcohol level could result in extra charges under different endorsement codes.

Drivers with a provisional licence should be careful. They can easily get an early ban if they reach the limit of penalty points set for probationary drivers. After a driver is disqualified, it can take a long length of time to get a full licence back. This depends on how serious the offence was.

When you apply for cover, insurers might ask for information such as your national insurance number and access to your drivers licence data. This is to check the firm reference number, confirm your status on the FCA register, and make sure the policies meet the general insurance distribution rules according to UK law.

Many insurance companies today work under groups like Seopa Ltd or as an appointed representative of Vast Visibility Limited. These are common setups in the UK insurance industry. These insurers keep consent and browsing data in small text files, also known as cookies. This helps improve the accuracy of quotes and the overall user experience.

MR39 is a very common driving offence related to serious or undefined accident offences. This is especially true in GB, Northern Ireland, and the Isle of Man. It's important to understand how insurance companies read these codes. This knowledge can help you find a fair quote after a conviction.

How to Reduce Car Insurance Costs After an MR39 Conviction

  • Compare insurance providers that focus on MR39 cases for convicted driver insurance.
  • Think about black box policies. They help track your speed and driving habits.
  • Pick a higher voluntary excess. This can lower your monthly payments.
  • Stay clear of more driving offences to improve your driving record.
  • Take approved speed awareness or driver rehab courses recognised by the Financial Conduct Authority.

FAQs About MR39 Car Insurance

Yes, but insurance costs will be higher. It's a good idea to look for coverage from insurance providers that specialise.

An MR39 endorsement stays on your driving licence for four years starting from the date of conviction.

Yes, going over the speed limit can lead to a driving ban. This depends on how serious the offence is.

Having a conviction will affect the insurance rates for all the vehicles you plan to drive.

Looking at quotes from insurance providers that are specialists can help you save money on premiums. Thinking about telematics insurance policies can also lower your costs.

More serious offences lead to higher insurance costs. This is because insurers see more risk involved.

You usually need to wait for your driving rights to come back before you can get driver insurance.

Some insurance providers might give you discounts if you finish a speed awareness course that is approved.

Having several driving charges makes people feel that there is more risk. This can cause insurance rates to go up or even lead to denial of coverage.

Yes, many insurance providers focus on giving coverage to high-risk drivers. This includes drivers with MR39 convictions.

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Page last updated on: 02/04/2025

Page reviewed by: Shay Ramani

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