Compare PC20 Car Insurance – Mobile Phone Offence Cover

Yes, the price of insurance will go up. A group of insurance providers can help you get a better deal.

A PC20 endorsement can make your insurance costs go up by 80% to 200%. The exact amount will depend on the insurance company you select.

If a boss allows workers to use a mobile phone while driving, they may have legal issues under PC20 laws.

A PC20 conviction will earn you six penalty points. This number is higher than the usual three to six penalty points for most speeding charges, such as SP30 or SP50.

Yes, insurance companies might request higher payments. They could also want to change the main driver on the policy. This means they may want to list a different person as the primary driver.

A PC20 conviction can affect how much you pay for van insurance. This is important for people who drive vans for work. Insurance companies usually view van drivers with mobile phone offenses as a higher risk. Because of this, they might give fewer policy options and raise the costs.

A PC20 conviction does not lead to an instant driving ban. But, it does add six penalty points to your driving licence. If a driver gets 12 or more points within three years, they might be disqualified because of totting-up rules.

Yes, having a PC20 motoring conviction can make it hard to get fleet insurance. This is especially true if the conviction is new. Many insurance companies check a driver's conviction history when deciding on coverage. If you have several endorsements, they may limit your policy or exclude certain sections.

Insurance providers look at your driving records when you renew your policy. If you get a PC20 endorsement after your policy begins, the insurance company might change your premium. In some cases, they could choose not to renew your policy at all.

A PC20 conviction can impact other drivers on the insurance policy. This matters a lot if the convicted driver is the main driver. Insurance providers consider all drivers listed when assessing risk. If a high-risk driver is on the policy, it could increase the overall insurance premium.

PC20 convictions are the same across the UK. However, in Northern Ireland and the Isle of Man, people often face higher insurance costs. This is due to the fewer insurance providers available in those places. The rules for underwriting are also different in those regions.

Insurance policies for company vehicles can vary. If a driver gets a PC20 conviction while using a company car, it could create problems with their job. Some companies may choose to reduce or limit car access for employees who have been convicted.

A PC20 conviction can lead to higher insurance costs for an electric vehicle (EV). This is like what occurs with petrol or diesel cars. Some insurance providers for EVs may have tougher rules for drivers with convictions. This might mean higher prices or fewer options for policies.

Insurance companies can check a driver's motoring offence history through the DVLA database. When drivers apply for a policy, they must mention any past convictions. Insurers might look at this information during the form submission process.

A PC20 conviction will remain on your driving licence for four years. You cannot remove it before that time. After five years, it will be considered a spent conviction according to the Rehabilitation of Offenders Act. This means some car insurance companies might not consider it when deciding your insurance rates.