Compare MW10 Conviction Car Insurance – Motorway Offences

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  • Get insurance if you have an MW10 motorway offence.
  • Look for coverage for drivers with an MW10 conviction.
  • Compare car insurance for MW10 offences and save money.

What Is an MW10 Conviction?

A motoring conviction happens when a driver breaks certain road rules on a motorway. This includes:

  • Driving faster than the speed limits in controlled motorway areas
  • Ignoring lane closure signs (Red X violations)
  • Entering a motorway when it's not allowed (like for learner drivers)
  • Stopping or reversing on a motorway without a valid reason

An MW10 conviction usually means you will get penalty points on your driving licence. It often also leads to higher costs for insurance. Insurance companies might see you as a higher-risk driver because of this.

Penalties for an MW10 Conviction:

  • You may receive three to six penalty points on your driving licence.
  • You might have to pay a fine that could reach £1,000 (£2,500 if you're speeding on the motorway).
  • A driving ban can occur if you have previous offences.
  • Your insurance costs will probably increase a lot.

How an MW10 Conviction Affects Car Insurance

A conviction for an MW10 makes it tough to get cheap insurance for drivers who have been convicted. Insurers view drivers with motorway offences as a higher risk.

Key Impacts of MW10 on Car Insurance:

  • Premiums can rise by 50% to 200% based on how serious the offence is.
  • Insurance coverage might only cover third-party fire and theft policies.
  • There are fewer insurance companies that will insure MW10 drivers.
  • Offences that happen on the motorway are treated as serious offences, which causes an increased risk classification.

Estimated Insurance Premium Increase for MW10 Convictions

Conviction Type Average Monthly Premium Before Conviction (£) Average Monthly Premium After Conviction (£) Percentage Increase
Standard UK Driver (No Convictions) £40 - £90 £40 - £90 No increase
MW10 – Failing to comply with motorway regulations £50 - £100 £100 - £200 100% - 200%
SP30 – Speeding on non-motorway roads £50 - £100 £80 - £160 60% - 150%
DR10 – Drink Driving £80 - £150 £200 - £400 150% - 300%

💡 Fact: Drivers in Northern Ireland and the Isle of Man may face different penalties for motorway offences. This is due to their special road regulations, which are different from those in the UK mainland.

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MW10 Conviction vs Other Driving Offences

Conviction Code Offence Penalty Points Impact on Car Insurance Premiums
MW10 Failing to comply with motorway regulations 3 - 6 100% - 200% increase
SP50 Speeding on a motorway 3 - 6 50% - 150% increase
IN10 Driving without insurance 6 - 8 50% - 150% increase
DR20 Driving while unfit due to drink or drugs 3 - 11 150% - 300% increase

How Long Does an MW10 Conviction Affect Car Insurance?

A MW10 conviction remains on a driver’s licence for four years after the date of the offence. But, insurance companies often consider it for five years when they decide on premiums.

Key Timeframes for an MW10 Conviction:

  • First 4 years: A conviction stays on your driving record. This affects your insurance costs.
  • After 4 years: The endorsement is no longer on your DVLA licence.
  • After 5 years: Most insurers no longer consider MW10 when deciding on premiums.

💡 Tip: Drivers with more than one motoring offence may find that insurance companies look at their previous offences for more than five years. This happens because these drivers are viewed as high-risk.

What Happens If You Receive Multiple MW10 Convictions?

Drivers with multiple MW10 convictions may encounter harsher penalties and higher insurance costs. This happens because they have consistently not followed the specific rules for motorways.

Consequences of Multiple MW10 Convictions

Number of MW10 Convictions Penalty Points Accumulated Potential Impact on Driving Licence Effect on Insurance Premiums
First MW10 Conviction 3 - 6 No immediate ban unless additional offences 100% - 200% increase
Second MW10 Conviction 6 - 12 Possible driving ban under totting-up rules 150% - 250% increase
Third MW10 Conviction 12+ Automatic disqualification Insurers may refuse cover

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How MW10 Convictions Affect Drivers in Northern Ireland and the Isle of Man

MW10 offences happen throughout the UK. But, the penalties can be different in Northern Ireland and the Isle of Man. This is due to their own local laws.

Key Differences in MW10 Penalties by Location

Region Penalty Points for MW10 Fine for MW10 Offence Additional Consequences
England, Scotland, Wales 3 - 6 Up to £1,000 (£2,500 on motorways) Insurance premiums increase significantly
Northern Ireland 3 - 6 Up to £1,000 May require a court appearance
Isle of Man 3 - 9 Up to £2,000 Possible longer endorsement period

How to Reduce Car Insurance Costs After an MW10 Conviction

MW10 drivers might be considered high-risk, but they can still lower their insurance premium. They just need to make smart choices.

Best Ways to Lower Car Insurance After an MW10 Conviction:

  • Compare different types of insurance policies – Some insurance companies offer better rates for convicted driver insurance.
  • Choose third-party or third-party fire and theft insurance – These usually cost less than full coverage options.
  • Take a motorway awareness course – Some insurers may reduce your premiums if you complete a rehabilitation course.
  • Increase voluntary excess – A higher excess can help lower your car insurance costs.
  • Work with a specialist convicted driver insurance provider – A broker with many choices can help you find a good deal.
  • Avoid more motoring offences – Keeping a clean driving record after an MW10 can lower your insurance costs over time.

💡 Tip: The Rehabilitation of Offenders Act says that some criminal records can be removed after five years. This means that drivers do not need to share an MW10 conviction once this period is over.

FAQs About MW10 Car Insurance

Yes, it could cost more. A specialist in convicted driver insurance can help you find the best deal on driver insurance.

An MW10 conviction can make your insurance costs go up by 100% to 200%. The exact amount you pay more will depend on how serious the offence is.

An MW10 stays on a driving licence for four years. But insurance companies often think about it for five years.

Yes, an MW10 means not following certain rules for motorways. This can increase the risk of accidents.

If you have six points on your licence, getting an MW10 could lead to a driving ban. This is due to totting-up rules.

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Page last updated on: 25/03/2025

Page reviewed by: Shay Ramani

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