Compare TS70 Car Insurance – Traffic Direction Offences

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  • Search for affordable car insurance if you have a TS70 offence.
  • Compare various insurance policies for convicted drivers in the UK.
  • Obtain coverage made specifically for drivers with TS70 endorsements.

What Is a TS70 Conviction?

A TS70 conviction happens when a driver misses or misunderstands a confusing traffic sign. This motoring offence can result in penalty points, fines, and higher car insurance costs.

Key Facts About TS70 Convictions:

  • Offence: Disregarding an unclear traffic sign
  • Penalty Points: 3
  • Fine: A maximum of £1,000
  • Licence Endorsement Duration: 4 years
  • Impact on Insurance: A higher risk for insurance companies

The seriousness of an offence can vary based on the situation. If a person keeps breaking the rules, it might lead to a driving ban or more criminal convictions.

TS70 Conviction Penalties

Offence Penalty Points Fine Licence Endorsement Duration
TS70 – Undefined failure to comply with a traffic direction sign 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
TS40 – Failing to comply with direction of a constable/warden 3 Up to £1,000 4 years
TS50 – Failing to comply with 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

Fact: If you don’t have any beliefs to share, you might break the law. This could lead to losing your insurance. If the police stop you, you might also get a driving ban. A driving ban can make it hard to find insurance in the future.

How a TS70 Conviction Affects Car Insurance

A TS70 endorsement changes how insurance companies view risk. This leads to:

  • Higher insurance costs – Prices can rise by 50% to 100% for drivers who are convicted.
  • Fewer insurance options – Some companies will not insure drivers with TS70 convictions.
  • Tougher conditions – Some plans might only offer third-party coverage, not full motor insurance.
How a TS70 Conviction Affects Car Insurance

Estimated Insurance Cost Increase for TS70 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%
TS70 – Undefined failure to comply with a traffic direction sign £60 - £120 £100 - £250 50% - 100%
DR10 – Drink driving £80 - £150 £200 - £400 150% - 300%

Fact: The day a person is convicted is important. Insurers often check TS70 endorsements from the past five years. This information can impact how they set prices for car insurance.

How Long Does a TS70 Conviction Affect Insurance?

A TS70 conviction will remain on your driving licence for four years. However, insurance companies may take it into account when they decide on pricing for up to five years.

Timeframe Impact on Car Insurance
1 - 4 Years Conviction remains on licence, increasing premiums
4 Years DVLA removes TS70 endorsement from licence
5 Years Many insurers stop considering TS70 convictions in pricing

Fact: The Rehabilitation of Offenders Act says that after five years, a TS70 conviction becomes 'spent.' This means some insurance companies might not consider it anymore when they decide your premiums.

TS70 Car Insurance Cover Options

Drivers with a TS70 conviction can choose from different 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 charge more for third-party only insurance. They think that convicted drivers have a higher risk of making claims.

How to Reduce Car Insurance Costs After a TS70 Conviction

Drivers who have a TS70 endorsement can still find ways to lower their insurance premium.

  • Compare convicted driver insurance providers – Some insurance companies offer plans for people with TS70 convictions.
  • Consider black box insurance – Telematics plans can track your driving habits. They may help you save money.
  • Increase voluntary excess – A higher excess could lower your monthly payments.
  • Build a clean driving record – Try to avoid new driving convictions. This can help you regain the trust of your insurer.
  • Take an advanced driving course – Some insurers give discounts if you complete approved safety courses by FCA.

Tip: Some insurance companies reduce their premiums after three years. This is for drivers who have not had any new offenses during that time.

FAQs About TS70 Car Insurance

Yes, insurance premiums will increase. A good way to find cheaper policies is to compare quotes from expert brokers.

A TS70 endorsement stays on a driving licence for four years. However, insurance companies might look at it for up to five years when they set their premiums.

Driving bans are not common. But if someone is caught crazy driving or using a mobile phone while driving, they could get a driving ban.

Yes, the type of offence and the vehicle can affect how insurance companies calculate risk.

One of the best ways to find a good deal is to compare convicted driver insurance policies. You may also want to consider black box insurance. A clean driving record can be very helpful, too.

Yes, young drivers with a TS70 motoring conviction may have to pay more for insurance compared to experienced drivers. Insurance companies see younger drivers as an increased risk. A driving offence in their history can make it harder to get affordable insurance.

If a vehicle is registered as SORN (Statutory Off-Road Notification), it does not need active insurance. When the vehicle is back on the road, insurance companies may check how serious the offence was and the conviction code. This can change the cost of the car insurance policy. Some special brokers can offer coverage for vehicles that were SORN before, including options for convicted car insurance.

Drivers in Northern Ireland and the Isle of Man with a TS70 conviction code might face challenges when seeking insurance. Some insurers in these areas have tougher rules. To find the best policy, you may need to use a panel of insurers that specialise in high-risk drivers.

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Page last updated on: 27/03/2025

Page reviewed by: Shay Ramani

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