IN10 No Insurance Conviction Car Insurance
Compare IN10 Car Insurance Quotes
Specialist cover for drivers with a no-insurance conviction.
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What Is An IN10 Conviction?
An IN10 is the DVLA endorsement code for using a vehicle uninsured against third-party risks. It carries 6 to 8 penalty points, a fine of up to £300 (unlimited if the case goes to court), and stays on your licence for 4 years from the date of the offence.
Unlike drink or drug driving convictions, an IN10 is not a criminal offence and does not result in a prison sentence. However, it is one of the most common motoring endorsements in the UK and has a significant impact on your insurance premiums.
Most IN10 convictions happen by accident. Common causes include a missed direct debit payment that cancels the policy without the driver realising, driving a car you assumed was covered under someone else's policy, or letting your policy lapse during a renewal period.
How To Compare IN10 Car Insurance With SimplyQuote
Three steps, around 10 minutes. You will need your licence number, vehicle registration, and the date of your IN10 conviction.
Enter your details
Fill in one form with your driver and vehicle details, including the IN10 date and any other convictions. The form is built for convicted driver applications, so the questions match what specialist insurers actually need to quote.
Compare specialist quotes
Your details are sent to our panel of specialist car insurance companies. Each insurer returns a price based on their own underwriting rules. You will typically see quotes from multiple insurers within minutes.
Choose the right cover
Compare prices, excess levels, payment options, and policy extras side by side. Buy online or speak to the broker for help with non-standard cases. No obligation to take any quote.
How Much Does IN10 Car Insurance Cost?
Expect to pay 40 to 80% more than a driver with a clean licence in the first year after an IN10 conviction. The exact increase depends on your full profile, but most drivers with an IN10 see premiums rise by several hundred pounds.
IN10 is generally loaded less heavily than drink or drug driving codes (DR10, DG10) because insurers view it as a paperwork offence rather than a behavioural risk. That said, the loading is still significant because driving uninsured signals a lapse in responsibility to underwriters.
How do premiums change as the conviction ages?
| Years since offence | Typical premium loading | Declaration required? |
| Year 1 | 40 to 80% above standard rate | Yes |
| Year 2 | 25 to 50% above standard | Yes |
| Year 3 | 10 to 25% above standard | Yes |
| Year 4 (points removed) | Near-standard rate | Yes (until spent) |
| Year 5+ (spent) | Standard rate | No |
The endorsement stays on your licence for 4 years, but you must declare it to insurers for 5 years under the Rehabilitation of Offenders Act 1974. After 5 years the conviction is spent and no longer needs to be disclosed.
How To Reduce IN10 Car Insurance Costs
Five practical steps can reduce the cost of IN10 insurance. Each one lowers the risk profile that insurers see on your application.
Compare specialist insurers
Mainstream providers often refuse to quote drivers with an IN10 or return inflated prices. Specialist convicted driver insurance providers price IN10 cases individually and are far more likely to offer a competitive quote.
Fit a telematics device
A black box insurance policy monitors your driving and rewards safe behaviour with lower premiums. Telematics typically cuts 15 to 30% off the price for convicted drivers who can demonstrate good driving habits.
Increase your voluntary excess
Raising your voluntary excess from £100 to £500 can reduce the premium by 10 to 20%. Make sure you can afford it if you need to claim.
Choose a lower insurance group car
The car you drive has a direct impact on your premium. If you are buying a car, check which insurance groups are cheapest before you choose. A group 5 car costs considerably less to insure than a group 30 car, and the gap widens with a conviction on your record.
Protect your no-claims discount
An IN10 conviction does not reset your no-claims discount. Only a fault claim does. Each claim-free year earns you a further discount that compounds on top of the natural reduction as the conviction ages.
What Happens If You Get Caught Driving Without Insurance?
The police can issue a £300 fixed penalty notice and 6 penalty points on the spot. If the case goes to court, you face an unlimited fine, 6 to 8 penalty points, and possible disqualification from driving.
The police can also seize and destroy your vehicle under Section 165A of the Road Traffic Act 1988. To recover a seized car you must produce valid insurance and pay a release fee and daily storage charges.
The Motor Insurers' Bureau (MIB) operates the Motor Insurance Database (MID), which links to automatic number plate recognition (ANPR) cameras across the UK. Police can check your insurance status in real time without stopping you, so uninsured vehicles are increasingly likely to be caught.
Do You Have To Declare An IN10 To Your Insurer?
Yes, while the conviction is unspent. An IN10 stays on your licence for 4 years but must be declared to insurers for 5 years from the date of the offence. After 5 years it becomes spent and no longer needs to be disclosed.
Failing to declare an unspent IN10 is treated as non-disclosure. Your insurer can void your policy, refuse any claims, and record a cancellation against your name on the Claims and Underwriting Exchange (CUE) database. A voided policy makes future insurance far harder to find.
How do you check your driving record?
You can view your driving record online at gov.uk. You will need your driving licence number, National Insurance number, and postcode. Your record shows the offence date, the number of points, and when the IN10 will be removed from your licence.
Is An IN10 A Criminal Offence?
No. Driving without insurance is a motoring offence, not a criminal offence. An IN10 does not appear on a criminal record and does not result in a prison sentence.
This is an important distinction because it means an IN10 will not affect DBS checks, employment background screening, or travel visas. However, it does appear on your DVLA driving record and must be declared to insurers while it is unspent.
What Are The Other Insurance Conviction Codes?
The IN10 sits within a family of insurance-related endorsement codes. The full list of all driving offence codes is available in our guide.
| Code | Offence | Points |
| IN10 | Using a vehicle uninsured against third-party risks | 6 to 8 |
| IN12 | Aiding, abetting, counselling, or procuring IN10 | 6 to 8 |
| IN14 | Causing or permitting IN10 | 6 to 8 |
All IN codes carry 6 to 8 points and stay on your licence for 4 years. If you have any insurance conviction, you will need specialist convicted driver insurance. The comparison and cost-reduction advice on this page applies to all IN codes.
What Does IN10 Car Insurance Cover?
IN10 policies offer the same three levels of cover as standard car insurance: third-party only, third-party fire and theft, and fully comprehensive. The difference is the premium loading, not the cover itself.
Optional extras like breakdown cover, courtesy car, and legal expenses are usually available at additional cost. Check the excess, both compulsory and voluntary, as these are often higher on convicted driver policies than standard policies.
Can You Get Insured Immediately After An IN10?
Yes. Unlike drink driving convictions that come with a driving ban, an IN10 does not automatically disqualify you from driving. You can arrange new insurance immediately.
If your car was seized after being caught without insurance, you will need impound insurance to get it released from the police compound. This is a separate short-term policy that covers the vehicle for collection.
If you need short-term cover while you arrange a full annual policy, temporary convicted driver insurance is available from as little as one day.
How Does An IN10 Compare To Other Convictions?
An IN10 is generally treated less severely by insurers than drink driving (DR10) or drug driving (DG10) convictions because it is a paperwork offence rather than a behavioural risk.
| Factor | IN10 (no insurance) | DR10 (drink driving) |
| Penalty points | 6 to 8 | 3 to 11 |
| Driving ban | Only if 12+ points | Minimum 12 months |
| Criminal record | No | Yes |
| Time on licence | 4 years | 11 years |
| Declaration period | 5 years | 5 years |
| Typical year 1 loading | 40 to 80% | 100 to 200% |
| Typical year 3 loading | 10 to 25% | 50 to 100% |
If you have a DR10 conviction alongside an IN10, the DR10 will be the dominant factor in your premium. Insurers rate the most serious conviction first.
Frequently Asked Questions
Some will, but many mainstream providers either refuse IN10 quotes or return prices that are far higher than specialist brokers. Comparing across specialist insurers typically produces a much better result.
The fixed penalty is 6 points. If the case goes to court, you can receive 6 to 8 points. If those points take your total to 12 or more within 3 years, you face a totting-up driving ban.
No. The endorsement stays on your licence for 4 years from the date of the offence. There is no process for early removal of an IN10.
No. A conviction alone does not reset your no-claims discount. Only a fault claim does. You keep your full no-claims bonus even with an IN10 on your licence.
No. An IN10 is a motoring offence, not a criminal offence. It appears on your DVLA driving record but not on a criminal record or DBS check. It will not affect employment screening or visa applications.
The IN10 is recorded against the driver, not the vehicle owner. If you were driving a car you believed was covered under the owner's policy, you may have a defence if the owner gave you explicit permission and you had reasonable grounds to believe you were insured. Speak to a solicitor if this applies to you.
Yes. Under Section 165A of the Road Traffic Act 1988, the police can seize an uninsured vehicle. If you do not produce valid insurance and pay the release fee within 14 days, the vehicle can be crushed or sold.
An IN10 is for using a vehicle without insurance. An IN12 is for aiding, abetting, counselling, or procuring an IN10 offence. For example, if you lent your car to someone knowing they had no insurance, you could receive an IN12. Both carry 6 to 8 points and are treated similarly by insurers. See our full guide to driving offence codes for all conviction code definitions.
