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Convictions Car Insurance Comparison

  • If you have MS10–MS30 convictions, your insurance might increase by 100%.
  • With MS40–MS60 offences, your premiums could go up by 150%.
  • For MS70–MS90 convictions, your insurance may be 300% more expensive.

What Are MS10, MS20, MS30, MS40, MS50, MS60, MS70, MS80 and MS90 Convictions?

MS convictions include several types of driving offences. These offences may include not following road rules, issues related to driving, and criminal convictions. If you get these offences, you can receive penalty points. You might also face a driving ban and pay higher costs for car insurance. This situation can make it tough to find cheap convicted driver insurance.

MS Motoring Conviction Codes and Penalties

Conviction Code Offence Penalty Points Licence Endorsement Duration
MS10 Leaving a vehicle in a dangerous position 3 4 years
MS20 Unlawful pillion riding 3 4 years
MS30 Play street offences 2 4 years
MS50 Motor racing on the highway 3 - 11 4 years
MS60 Offences not covered by other codes (including failure to maintain control of the vehicle) 3 4 years
MS70 Driving with uncorrected defective eyesight 3 4 years
MS80 Refusing to submit to an eyesight test 3 4 years
MS90 Failure to give information as to the identity of a driver 6 4 years

Fact: If you get caught motor racing on the highway with an MS50, there can be serious consequences. You might receive up to 11 penalty points on your licence. This will also increase your insurance rates.

How MS Convictions Affect Car Insurance

Having an MS conviction, such as MS50 (for motor racing) or MS90 (for not identifying the driver), can make it tough to get cheap car insurance. Insurance companies consider these drivers to be high risk.

  • Higher car insurance costs – Drivers with an MS conviction may find their insurance increase by 50% to 200%.
  • Fewer insurer choices – Some insurance companies might not cover drivers who have serious offences like MS90.
  • Limited policy options – Many insurers could only provide third-party fire and theft instead of full coverage.
  • Effect on young drivers – A conviction like MS50 (motor racing on the highway) can cause insurance prices for young drivers to triple.
  • Challenges in getting van insurance – Van insurance companies may charge higher fees for drivers with MS convictions.

Estimated Insurance Premium Increases for MS Convictions

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 (MS10, MS20, MS30, MS40) £60 - £120 £100 - £200 80% - 150%
Convicted Driver (MS50, MS60, MS70, MS80) £80 - £150 £150 - £300 100% - 200%
Convicted Driver (MS90 - Failure to give driver details) £100 - £180 £200 - £400 150% - 300%

Tip: MS90 gives you six penalty points. This makes it one of the most expensive MS convictions for insurance. If you get convicted, it's important to compare convicted driver insurance providers. This will help you find the best deal.

What Happens If You Are Disqualified Due to an MS Conviction?

A driving ban from an MS conviction can make insurers view you as a higher risk. This makes it tough to get affordable insurance cover. Some MS convictions, such as MS50 (Motor Racing on the Highway) and MS90 (Failure to Provide Driver Details), could even result in a temporary driving ban or the need to retake your driving licence test.

Steps to Regain Your Driving Licence After an MS Conviction Disqualification

  1. Check the date of the offence – Your licence reinstatement depends on how long the disqualification lasts.
  2. Apply for a new driving licence – You may need to reapply through the DVLA before you can drive legally.
  3. Consider a fixed penalty notice alternative – Sometimes, you can pay fines instead of serving a long disqualification.
  4. Compare high-risk driver insurance – Some companies provide convicted driver insurance for those who are back after a ban.
  5. Check third-party fire insurance options – Some third-party fire plans may cost less than full coverage.
Happens If You Are Disqualified Due to an MS Conviction

How MS Convictions Compare to Other Driving Offences

Conviction Code Offence Penalty Points Impact on Insurance Premium
MS50 Motor racing on the highway 3 - 11 100% - 200% increase
MS90 Failure to give information as to identity of driver 6 150% - 300% increase
MS10 Leaving a vehicle in a dangerous position 3 50% - 100% increase
IN10 Driving without insurance 6 - 8 50% - 150% increase
SP30 Speeding 3 - 6 10% - 50% increase

Tip: If a driver gets an MS90 conviction by mistake due to mistakes in their insurance record, they can challenge the conviction with help from a lawyer.

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How to Get Car Insurance After an MS Conviction

Drivers with an MS conviction can still obtain convicted driver insurance. However, they may need to take some additional steps to lower their insurance costs.

Best Ways to Lower Car Insurance Costs After an MS Conviction

  • Compare driver insurance providers – Some insurance companies help high-risk drivers.
  • Choose third-party fire and theft insurance – This option is usually cheaper than full coverage.
  • Increase voluntary excess – A higher excess can help reduce your insurance premium.
  • Take an advanced driving course – Some insurers give lower rates to drivers who complete a safety course.
  • Use a panel of FCA-approved insurers – A group of FCA-regulated insurers offers fair prices for drivers with convictions.
  • Maintain a clean driving record – Avoiding more driving offences can lower your insurance premiums over time.

Fact: Not sharing your driver details (MS90) is considered just as serious as breaking risky traffic rules, like dangerous driving. This is why it is important to compare several insurance providers.

What to Do If You Are Struggling to Get Car Insurance After an MS Conviction

If your quotes for convicted driver insurance are very high or if big insurance companies are saying no to you, consider these options:

  • Use a provider that helps convicted drivers – These companies support high-risk drivers.
  • Look for insurers with a green button quote system – Some websites let you quickly compare several insurers.
  • Consider temporary or third-party fire insurance – This can help you if you're facing high costs for a short time.
  • Check that your details match the Motor Insurance Database (MID) – A mistake in your registration number can lead to problems.
  • Get help from car insurance comparison sites – These sites can assist you in finding FCA-regulated policies.

FAQs About MS10 to MS90 Car Insurance

Yes, you will need to search for insurance companies that focus on coverage for drivers with convictions.

An MS10 to MS90 conviction can make your insurance costs rise by 50% to 300%. How much they go up depends on how serious the offence is.

An MS conviction stays on a driver's licence for four years. Still, insurance companies often check it for five years when they calculate premiums.

MS90 is considered a serious offence. This is because not providing information may be linked to avoiding responsibility for serious driving offences.

Yes, some companies that provide temporary van insurance may request higher costs or require more paperwork.

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Page last updated on: 31/03/2025

Page reviewed by: Shay Ramani

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