Compare TS40 Car Insurance – Disobeying Police Directions

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  • Look for cheap car insurance after a TS40 offence.
  • Compare insurance policies for convicted drivers in the UK.
  • Get coverage made for drivers with TS40 endorsements.

What Is a TS40 Conviction?

A TS40 conviction happens when a driver does not follow the instructions of a police officer or traffic warden. This offence is seen as serious. It can create confusion on the roads, which may result in accidents.

Key Facts About TS40 Convictions:

  • Offence: Not following orders from a police officer
  • Penalty Points: 3
  • Fine: A maximum of £1,000
  • Licence Endorsement Duration: 4 years
  • Impact on Insurance: Insurers view it as a higher risk

Drivers who commit a TS40 offence might get a Fixed Penalty Notice (FPN). However, if the case is more serious, they may have to go to court. In court, they could face extra penalties, like a driving ban.

TS40 Conviction Penalties

Offence Penalty Points Fine Licence Endorsement Duration
TS40 - Failing to comply with a constable’s direction 3 Up to £1,000 4 years
TS10 - Failing to comply with traffic signals 3 Up to £1,000 4 years
TS20 - Failing to comply with double white lines 3 Up to £1,000 4 years
TS30 - Failing to comply with a ‘Stop’ sign 3 Up to £1,000 4 years
TS50 - Failing to comply with a traffic sign (excluding ‘Stop’ signs, traffic lights, or double white lines) 3 Up to £1,000 4 years
TS60 - Failing to comply with a school crossing patrol sign 3 Up to £1,000 4 years
TS70 - Undefined failure to comply with a traffic direction sign 3 Up to £1,000 4 years

Fact: A TS40 conviction stays on your driving licence for four years. It can also impact your insurance rates for up to five years.

How a TS40 Conviction Affects Car Insurance

A TS40 endorsement changes how insurance companies look at risk. This can lead to several outcomes:

  • Higher insurance premiums - If you get convicted, your premiums can go up by 50% to 100%.
  • Limited insurance policies - Some insurance companies won't cover drivers with TS40 convictions.
  • Stricter terms - Certain policies may only provide third-party cover instead of full motor insurance.

Estimated Insurance Cost Increase for TS40 Convictions

Conviction Type Monthly Premium Before Conviction (£) Monthly Premium After Conviction (£) Percentage Increase
Standard Driver (No Convictions) £40 - £90 £40 - £90 No increase
SP30 - Speeding offence £50 - £100 £90 - £200 80% - 150%
CU80 - Using mobile phone while driving £60 - £110 £110 - £220 90% - 180%
TS40 - Disobeying a police officer’s direction £60 - £120 £100 - £250 50% - 100%
DR10 - Drink driving £80 - £150 £200 - £400 150% - 300%

Fact: Some specialist brokers provide convicted driver insurance for lower rates than regular insurers.

How Long Does a TS40 Conviction Affect Insurance?

A TS40 conviction can increase your insurance costs for as long as five years. This conviction remains on your driving licence for four years.

Timeframe Impact on Car Insurance
1 - 4 Years Conviction remains on licence, increasing premiums
4 Years DVLA removes TS40 endorsement from licence
5 Years Many insurers stop considering TS40 convictions in pricing

Fact: According to the Rehabilitation of Offenders Act, a TS40 conviction becomes "spent" after five years. This means some insurers might not include it when they calculate premiums.

TS40 Car Insurance Cover Options

Drivers who have a TS40 conviction can select from several types of insurance coverage:

Level of Cover Best For Cost Impact
Third-Party Only Cheapest legal cover, meets UK requirements £
Third-Party, Fire & Theft Adds theft and fire protection ££
Fully Comprehensive Covers own vehicle and third parties £££

Some insurance companies ask for higher payments for third-party only insurance. This is because drivers who have been convicted are seen as a higher risk for claims.

How to Reduce Car Insurance Costs After a TS40 Conviction

Even if you have a TS40 endorsement, there are ways for drivers to lower their insurance premium:

  • Compare convicted driver insurance providers - Some insurers focus on TS40 convictions.
  • Consider black box insurance - These telematics policies check your driving and can save you money.
  • Increase voluntary excess - Choosing a higher excess can lower your monthly payments.
  • Build a clean driving record - Stay clear of new motoring convictions to gain the trust of insurers.
  • Take an advanced driving course - Some insurers give discounts for FCA-approved safety courses.

Tip: Some insurance companies lower premiums after three years. This is if a driver has no more offenses.

FAQs About TS40 Car Insurance

Yes, insurance premiums will go up. A good way to find cheap policies is to compare quotes from expert brokers.

A TS40 endorsement stays on your driving licence for four years. However, insurance companies may consider it when setting premiums for up to five years.

A driving ban is not common, but it can happen if it's linked with other offenses. This includes things like careless driving or using a mobile phone while driving.

Yes, the seriousness of the offence and the type of vehicle change how insurance companies figure out risk.

The best way to save money is by comparing convicted driver insurance policies. You can also choose black box insurance. It's important to keep a clean driving record too.

Yes, a TS40 motoring offence can affect your insurance coverage if you make a claim. Insurers might see not following a police officer's directions as a breach of the law. This could mean you have to pay higher excess fees or get limited payout options. If the driving offence was for dangerous driving, it could lead to disqualification from driving. The date of the offence is also important because some insurers look at convictions from up to five years when checking the risk for a vehicle.

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Page last updated on: 20/03/2025

Page reviewed by: Shay Ramani

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