- Offers affordable car insurance for convicted drivers
- Insurance policy can be tailored to your needs
- Discounts available for a range of different reasons
What is an IN10 conviction?
An IN10 conviction is when you're caught driving without insurance. In the UK, it's against the law to drive or park any vehicle on a public road without insurance. The minimum type of cover you should get to avoid an IN10 conviction is third party insurance. Without the right cover, you could face penalties and points on your licence.
What are the common reasons for getting an IN10 conviction?
Some of the most common reasons include driving your new car home and forgetting you need to insure it to do so, forgetting to renew your policy, not declaring modifications, or borrowing your friend's car thinking your comprehensive insurance includes drive any car insurance
Sadly, even if you have driven without insurance accidentally, this can't be used as an excuse to remove your conviction. However, at Adrian Flux we can help secure you affordable car insurance even with an IN10 conviction.
Is IN10 a criminal offence?
No, IN10 isn't a criminal offence, so you won't face a prison sentence. However, driving without insurance is still a serious driving conviction and makes you a bigger risk to insurers. As a result, you should always disclose any convictions when you're trying to get a car insurance quote.
What happens if you get caught driving without insurance?
You could face fines and penalties for driving without insurance. If you're caught doing this, you could face a fine of £300 and six points on your licence. Your car might also be seized by police and destroyed if they deem this necessary. Your case could also go to court, which means you could face:
- Between six and eight penalty points
- An unlimited fine
- Disqualification from driving
What is the maximum fine for driving without insurance?
The maximum fine a police officer can give you is £300. However, if your case is taken to court, you could face an unlimited fine.
How long do IN10 penalty points stay on your licence?
Insurance offences, including the IN10 conviction, have to stay on your licence for four years from the date of the offence. If you're banned from driving, your points are removed when you complete the ban.
Does comprehensive insurance cover you to drive other vehicles?
Each insurance policy is different. Whilst one insurance policy may cover you to drive other vehicles on a third party basis, another may not include this benefit. Comprehensive cover does not automatically allow you to drive other vehicles. It's always best to check your policy or check with your insurance provider before you drive another car.
As mentioned above, this is actually one of the reasons some people end up getting an IN10 conviction, as they believe their comprehensive cover will protect them regardless of the car they drive. Along with failure to renew your insurance and not declaring modifications, this is among the most common accidental policy infringements that will invalidate your policy and put you at risk of getting an IN10 conviction.
At Adrian Flux, whilst some of our comprehensive insurance policies offer third party cover for driving other vehicles, our drive any car add-on allows you to boost this to include damage to the vehicle you're driving, just like comprehensive cover.
IN10 car insurance
Whilst high-street insurers will often raise your premiums dramatically or even refuse to provide insurance for banned drivers altogether, a specialist insurance broker like Adrian Flux can help you where others cannot.
We're a specialist broker, which means that we're able to find cover where others cannot. This includes convicted car insurance for IN10 convictions. And we do all this while finding you affordable cover too.
If you were caught driving a vehicle uninsured and you're struggling to find cover, speak to a knowledgeable member of staff by calling us on 0800 369 8590. Alternatively, fill out our callback form and we'll call you back at a time that suits you.