Compare PC30 Car Insurance – Mobile Phone Offences

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  • Get insurance after an offence with a PC30 mobile phone.
  • Find special cover for convicted drivers who supervise.
  • Compare insurance options for drivers convicted of PC30.

What Is a PC30 Conviction?

A PC30 conviction occurs when a supervisor of a learner driver is caught using a mobile phone while the car is moving. Even if they are not driving, supervisors must pay attention. They should be prepared to take control of the vehicle if necessary.

A PC30 endorsement brings six penalty points and a fine of up to £1,000. If you are a HGV or bus driver, the fine could reach £2,500. This conviction will stay on your driving licence for four years from the date of the offence.

PC30 Conviction Penalties

Offence Penalty Points Fine Licence Endorsement Duration
PC30 – Supervising a learner driver while using a mobile phone 6 Up to £1,000 (£2,500 for commercial drivers) 4 years

Fact: A PC30 conviction can happen to supervisors of learner drivers. This can be the case even if the car is still and just the engine is running.

PC30 vs PC20 vs PC10 – Understanding the Differences

A PC10, PC20, and PC30 conviction all relate to mobile phone offences. But, they differ in who did the offence and how much responsibility that person has.

Conviction Code Offence Penalty Points Impact on Insurance
PC10 Using a mobile phone while driving 6 High risk – Increases motor insurance costs
PC20 Permitting a driver to use a mobile phone 6 Seen as a serious offence, raising premiums significantly
PC30 Supervising a learner driver while using a mobile phone 6 May lead to policy restrictions and higher insurance premiums

A PC20 conviction happens when someone allows another person to use a mobile phone while driving. A PC30 conviction is for people who are supervising a learner driver. Both of these convictions can lead to higher insurance costs. They can also limit your choices for insurance. This means that any offence can impact how much you pay and what options you have with insurance providers.

How a PC30 Conviction Affects Car Insurance

A PC30 driving offence is seen as high risk by insurance companies. This is due to careless driving and breaking the law. As a result, drivers with PC30 endorsements may face several consequences:

  • Insurance costs go up due to the increased risk from careless supervision.
  • There is less choice in insurance policies. Some specialised brokers offer specific coverage.
  • There are fewer cover options. Some insurers may only provide third-party fire and theft policies.

Estimated Insurance Cost Increase for PC30 Convictions

Conviction Type Monthly Premium Before Conviction (£) Monthly Premium After Conviction (£) Percentage Increase
Standard Driver (No Convictions) £40 - £90 £40 - £90 No increase
PC30 – Using a mobile phone while supervising a learner £50 - £100 £100 - £200 80% - 200%
SP30 – Speeding (non-motorway) £50 - £100 £90 - £160 60% - 150%
IN10 – Driving without insurance £80 - £120 £150 - £300 100% - 250%

Fact: A PC30 conviction can make it harder to get motor insurance. Insurers consider supervisors responsible for the actions of the learner driver.

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How Long Does a PC30 Conviction Affect Insurance?

A PC30 endorsement remains on your driving record for four years. Insurance companies may take it into account when deciding your premiums for as long as five years.

Timeframe Impact on Car Insurance
1 - 4 Years Conviction remains on driving licence, increasing premiums.
4 Years DVLA removes endorsement from the licence.
5 Years Many insurers stop considering PC30 convictions in pricing.

Fact: The Rehabilitation of Offenders Act allows some driving offences to be removed from insurance checks after five years. Still, insurance companies may ask about previous convictions.

PC30 Conviction and Road Safety Laws

A PC30 offence can happen if a supervisor misses dangers while distracted. This means they might not see issues with pedestrian crossing rules on time.

  • A red light is not showing at a zebra crossing.
  • Not instructing the learner driver to stop for people crossing.
  • Allowing a moving vehicle to go without proper supervision.

Using a mobile phone when watching a learner driver increases the risk of accidents. Because of this, it is considered a serious offence under UK road laws.

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How to Reduce Car Insurance Costs After a PC30 Conviction

A PC30 conviction can lead to higher insurance costs. Still, drivers have ways to look for better rates.

Three Ways to Lower Insurance Costs After a PC30 Conviction:

  • Compare several FCA-approved insurers – Some insurers offer insurance for convicted drivers at good prices.
  • Choose third-party fire and theft cover – This option is cheaper than comprehensive policies, helping to reduce your insurance costs.
  • Use a specialist broker – A broker can assist you in finding the best policy from insurers who cover PC30 convictions.

Tip: Many insurance companies check how serious the offence is over time. If you don't have any more driving offences in three years, some providers may lower your premiums.

FAQs About PC30 Car Insurance

Yes, insurance prices can be higher. To get the best choice, compare quotes from different insurance companies.

PC30 endorsements are used in the UK, Northern Ireland, and the Isle of Man. Insurers consider these when deciding on premium amounts.

A PC30 conviction alone does not cause a driving ban. But if it's combined with other offences or penalty points, it may lead to disqualification under totting-up rules.

If an accident occurs when someone has a PC30 conviction, insurance companies may look into whether the supervisor was paying attention at the time of the crash. This could affect the approval of the claim.

Yes, if a learner driver's supervisor has a PC30 conviction, some insurance companies may not provide coverage for the learner's policy. This happens because proper supervision is legally required.

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Page last updated on: 25/03/2025

Page reviewed by: Shay Ramani

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