Compare MR49 Car Insurance – Disqualified Driver Cover

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Convictions Car Insurance Comparison

  • Secure car insurance after an MR49 conviction.
  • Compare policies tailored for drivers convicted of driving while disqualified in the UK.
  • Find coverage designed for MR49 endorsements.

What Is an MR49 Conviction?

An MR49 conviction is given to drivers who are driving while disqualified. This is part of mutual recognition laws. It applies in areas like Northern Ireland and the Isle of Man. The conviction will remain on your driving licence for four years from the date of conviction.

Key Facts About MR49 Convictions:

  • Offence: Driving while disqualified
  • Penalty: A fine, penalty points, and possible jail time.
  • Licence Endorsement Duration: 4 years from the date of conviction.
  • Impact on Insurance: Insurance companies view MR49 drivers as high risk. This causes higher insurance premiums.

MR49 Conviction Penalties

Conviction Code Offence Penalty Points Driving Ban Endorsement Duration
MR49 Driving while disqualified 6 Possible 4 years
BA10 Driving while disqualified by court order 6 Possible 4 years
BA30 Attempting to drive while disqualified 6 Possible 4 years

Note: How serious the offence is and any past convictions can change the number of points given and how long the disqualification lasts.

How an MR49 Conviction Affects Car Insurance

An MR49 endorsement can really change your car insurance. This is because insurance companies view it as a marker of a higher risk.

  • Higher Insurance Premiums: If you get an MR49 conviction, your insurance premiums can increase a lot.
  • Limited Coverage Options: Some insurance companies might refuse to cover you. Others may only offer basic plans.
  • Stricter Terms: Your insurance policies may come with higher excess amounts and more conditions.
How an MR49 Conviction Affects Car Insurance

Estimated Insurance Cost Increase for MR49 Convictions

Conviction Type Average Annual Premium Before Conviction (£) Average Annual Premium After Conviction (£) Percentage Increase
Standard Driver 500 500 0%
MR49 (Driving while disqualified) 600 1,500 150%

Note: These numbers are only estimates. They might change depending on your situation and the insurance companies.

How Long Does an MR49 Conviction Affect Insurance?

An MR49 conviction will remain on your driving licence for four years starting from the date of conviction. But, it might impact your insurance premiums for a longer period. This situation can vary based on the rules of different insurance providers.

Timeframe Impact on Car Insurance
1 - 4 Years Conviction remains on driving record; higher insurance premiums.
4 Years Conviction removed from driving licence; some insurers may still consider it.
5+ Years Many insurance companies may no longer factor the conviction into premiums.

Note: When you apply for driver insurance, be sure to share all your convictions. This is important even if they are not on your driving licence.

MR49 Car Insurance Cover Options

Drivers with an MR49 conviction can choose from different insurance coverage options:

Level of Cover Description Cost Implication
Third-Party Only Covers damage to other vehicles and property. £
Third-Party, Fire & Theft Adds protection against fire damage and theft. ££
Fully Comprehensive Includes coverage for your vehicle's damage. £££

Note: MR49 convictions can be risky. Because of this, some insurance companies may have less coverage options for your insurance.

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Understanding the Legal and Insurance Impact of an MR49 Conviction

An MR49 offence is a serious crime under UK law. Driving while you are disqualified is worse than usual driving problems like speeding or using a mobile phone. Insurance companies view this as a high-risk offence. This is even more true if your type of conviction shows you ignored a court-ordered disqualification.

If the date of the offence is new or if the unspent conviction is still active under the Rehabilitation of Offenders Act, insurers might not provide coverage. They may also raise your motor insurance quote significantly. Some insurers will ask for the date of the conviction, details about any fixed penalty notice, and the right endorsement code from your driver’s licence.

Many drivers struggle to find affordable insurance after an MR49 conviction. This happens often for main drivers who have past criminal convictions like careless driving or dangerous driving. A higher voluntary excess might help lower the total cost sometimes. However, this option may not be suitable for every driver.

If you want temporary car insurance, it might be tough to find. Many insurance companies that offer short-term coverage might not take your application if you have unspent convictions about driving bans. You might need to search for coverage from specialist providers that are approved by the Financial Conduct Authority.

When you apply for a new policy, you have to share personal details like your national insurance number. This number connects your records and checks your drivers licence status with the DVLA. If you don’t drive your vehicle when it's banned, you may need to send a SORN (Statutory Off Road Notification).

How to Reduce Car Insurance Costs After an MR49 Conviction

  • Compare Insurance Providers: Get quotes from companies that offer convicted driver insurance.
  • Consider Black Box Insurance: This insurance uses your driving habits to show you are a safe driver.
  • Increase Voluntary Excess: A higher excess may help lower your insurance premiums.
  • Maintain a Clean Driving Record: Stay clear of any more driving offences to earn trust from insurance companies.
  • Complete a Rehabilitation Course: Some insurers may give discounts if you complete a recognised rehabilitation course.

Tip: Checking and comparing insurance policies often can help you find lower costs as time passes.

FAQs About MR49 Car Insurance

Yes, insurance premiums will be higher. It's a good idea to find coverage from specialised insurance providers.

An MR49 endorsement remains on your driving licence for four years. This period begins from the date of conviction.

If you drive when you shouldn’t, you could get a driving ban. The time of this ban will depend on how serious the offence is.

A conviction will affect the insurance premiums for every vehicle you plan to drive.

When you read quotes from various insurance companies, you might find better choices. Looking into black box insurance policies can help you save on your insurance premiums.

Serious offences can lead to higher insurance premiums. Insurance companies believe that there is more risk when these offences happen.

You usually need to wait until you regain your driving privileges before you can get driver insurance.

Some insurance companies may offer discounts if you complete an approved rehab program.

Having several driving tickets can make people view you as a higher risk. This usually leads to higher insurance premiums, or you might even lose your coverage.

Many insurance companies provide coverage for high-risk drivers. This includes those drivers who have MR49 convictions.

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Page last updated on: 02/04/2025

Page reviewed by: Shay Ramani

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