Compare MS90 Car Insurance – Failure to Identify Driver

  • Save up to £523* on your car insurance
  • 97% of reviewers recommend Free Price Compare
  • Compare car insurance quotes from 120+ insurers
GB
Retrieve Quotes

Don’t have your registration number? No problem, click here.

4000+ reviews

We compare car insurance quotes from 120+ companies...

Wide variety of insurance options available to help you find a suitable policy

Happy Customers

We've served thousands of policies to
thousands of happy customers.

Price Comparison Market

10+ years experience in
the Price Comparison Market.

Car Insurance Companies

We'll display quotes from
120+ car insurance companies.

  • MS10–MS90 convictions: Get insurance after a driving offence
  • Find coverage for MS10, MS20, MS30, MS40, MS50, MS60, MS70, MS80, and MS90
  • Compare insurance options for MS90 and other MS convictions

What Is an MS90 Conviction?

An MS90 conviction happens when a driver does not give their identity during an offence. This can happen at places like census checkpoints, when a speed camera takes a photo, or during a police investigation. If the owner of the registered vehicle does not share the needed details, they may get this conviction.

This is considered a serious driving offence. It may indicate trying to avoid the results of another driving conviction. The penalties for an MS90 conviction include:

  • You can receive six penalty points on your driving licence.
  • A fine could be as high as £1,000.
  • You might notice a significant rise in insurance premiums due to the increased risk.

An MS90 conviction is unique when compared to other driving offenses. In other cases, the seriousness of the crime can vary depending on the situation. But an MS90 conviction is treated the same way as dangerous driving or driving without insurance. This is because failing to provide necessary information makes it harder to maintain safety rules on the road.

How an MS90 Conviction Affects Car Insurance

If you have an MS90 conviction, finding cheap insurance for convicted drivers can be tough. Many insurance providers consider MS90 drivers to be high risk. Because of this, they usually raise the car insurance premiums. You might also have fewer choices when it comes to insurers.

Key Ways an MS90 Conviction Impacts Car Insurance:

  • Insurance premiums can increase by 150% to 300%. This happens because insurers believe drivers with past offences might cause more issues.
  • There are fewer insurance providers that want to offer coverage to MS90 drivers. This means you will need a specialist broker or a large panel of insurers to find help.
  • Many drivers now have limits on the types of insurance policies they can get. A lot of them can only purchase third-party coverage rather than full comprehensive plans.
  • An MS90 conviction can also impact property insurance and business miles. Some drivers might find it hard to get car insurance that covers business use.

Average Insurance Cost Increase for MS90 Conviction

Conviction Type Average Monthly Premium Before Conviction (£) Average Monthly Premium After Conviction (£) Percentage Increase
No Convictions £40 - £90 £40 - £90 No increase
MS10 – Leaving a Vehicle in a Dangerous Position £60 - £120 £100 - £200 80% - 150%
MS50 – Motor Racing on the Highway £80 - £150 £150 - £300 100% - 200%
MS90 – Failure to Provide Driver Identity £100 - £180 £200 - £400 150% - 300%

Fact: Some insurance companies view an MS90 conviction as worse than a speeding ticket (SP30). This is due to the fact that not providing driver details can indicate a serious driving offence that has not been disclosed.

MS90 Conviction vs Other Driving Offences

Conviction Code Offence Penalty Points Impact on Car Insurance Premiums
MS10 Leaving a vehicle in a dangerous position 3 50% - 100% increase
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
IN10 Driving without insurance 6 - 8 50% - 150% increase
SP30 Speeding 3 - 6 10% - 50% increase

Fact: If you receive an MS90 conviction due to a mistake, you may be able to appeal it. Getting legal help for this is a good idea.

How Long Does an MS90 Conviction Affect Car Insurance?

An MS90 conviction will remain on your driver’s licence for four years from the date of the offence. However, insurance providers often consider it for five years when they set your premiums.

What Happens After Four Years?

  • Your driving conviction will be removed from your driving record after four years.
  • However, many insurance companies will still look at it when deciding your premiums for one more year.
  • A few special brokers might offer lower rates before the conviction disappears, as long as the driver maintains a clean record.

Tip: You should talk to a specialist broker. He can help you find the best deal on convicted driver insurance if you have an MS90 conviction.

How Long Does an MS90 Conviction Affect Car Insurance

Ways to Reduce Car Insurance Costs After an MS90 Conviction

You can still find ways to lower your car insurance premiums. This is true even if your risk category has increased because of an MS90 conviction.

Best Strategies to Get a Better Deal on MS90 Car Insurance

  • Compare many insurers – Work with a special broker. They can help you find insurers that cover drivers with convictions.
  • Choose third-party or third-party fire insurance – High-risk drivers can find some insurance types that are cheaper.
  • Increase voluntary excess – A higher excess can help lower the cost of your car insurance.
  • Take an advanced driving course – Some insurers offer discounts for drivers who complete a road safety course.
  • Make sure your policy details are correct – If you don’t provide full details during your application, it can raise your premiums.

Tip: Many insurance providers check your cookie policy when you search for quotes online. Clearing your cookies before getting a new car insurance quote can help you find the best deal.

FAQs About MS90 Car Insurance

Yes, you may need to look for a special insurance provider for drivers with convictions. This kind of provider partners with many insurers.

An MS90 conviction can increase your car insurance premiums by 150% to 300%. The exact amount depends on your insurer and the kind of policy you hold.

Some insurance companies may think that an MS90 is a serious crime. This opinion can impact property insurance and coverage for business vehicles.

Yes, if you can show proof that you gave the required driver details, you can appeal your conviction in court.

If you do not receive a driving ban right away, having six points can change things. If you get an MS90, it may result in a driving ban due to the totting-up rules.

Car Insurance Comparison

Car Insurance Provider

Page last updated on: 31/03/2025

Page reviewed by: Shay Ramani

4000+ reviews