Car Insurance for Drivers with IN10 Convictions from Keith Michaels
At Keith Michaels, we are experts in providing specialist car insurance. Despite holding a conviction or points on your driver’s licence, it’s still possible to receive an insurance policy that ensures peace of mind. We can deliver this for you.
Many insurers are hesitant to offer car insurance for those with IN10 codes on their record, which is why you need a specialist to support you. Our information below is designed to support you in understanding your IN10 conviction and what it means for your insurance.
What is an IN10 Conviction?
An IN10 conviction is given to those who are caught driving without insurance. It will remain on your licence for four years and is often accompanied by 6 to 8 points.
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The Keith Michaels Difference
- 30 years’ experience
- Every customer is treated as an individual, not a policy number
- We are a UK-based office, not a call centre
- We are completely independent from any insurance company
- All policies are looked at on their own merits to find you the best policy available
What Happens If You Get Caught Driving Without Insurance?
If you’re caught driving without valid insurance, you could be convicted and land an IN10 endorsement on your licence. The police can give you 6 to 8 penalty points if you’re caught driving a vehicle you’re not insured to drive. A minimum fine of £300 will also be issued if settled outside of court.
If you’re stopped and asked to present your insurance documents, you have seven days to provide the police with an up-to-date insurance certificate. It must be valid at the time you were stopped, not the time you send it.
The police also have the power to seize, and in some cases, destroy the vehicle that’s being driven uninsured. The following reasons may consider you for an IN10 conviction:
Why you got an IN10 conviction
Unfortunately, as an ‘absolute’ offence, there is usually very little defence for drivers accused of driving without insurance.
Many people are found ‘guilty’ of driving without insurance because of innocent misunderstandings, including:
Missed payments on policies, the wrong type of policy, or incorrect information on a policy.
Driving for business purposes without business car insurance. For instance, only holding a domestic and commuting insurance policy.
Undeclared modifications. Either unaware of their existence or unaware they needed to be declared.
What is the Penalty for Driving Without Insurance?
| Conviction code | Offence | Penalty points | Duration conviction stays on your licence | Duration you must disclose to your insurance provider |
| IN10 | Using a vehicle uninsured against third-party risks | 6 – 8 points | 4 years from the date of the offence | 5 years from the date of the offence |
IN10 Penalties Explained
What is the maximum fine for driving without insurance?
An IN10 conviction will come with a fixed penalty fine, 6-8 penalty points and will remain on your licence for 4 years. A fixed fine of £300 can be given by the police officer who catches you. However, if your case heads to court, it’s possible to receive an unlimited fine deemed by the court.
Can you be banned for driving without valid insurance?
You can be banned for driving without valid insurance, but this is often determined by the situation in which you were caught and whether your case goes to court. If it is a first offence, and there are no other factors to be considered, it is unlikely you will be banned, but this is considered on a case by case basis.
How long does an IN10 conviction last?
If convicted of driving without insurance, your IN10 conviction will remain on your licence for 4 years. You will also need to disclose it to insurance companies for five years from your conviction date.
How many penalty points for driving without insurance?
Along with the endorsement remaining for 4 years, you could receive 6-8 points on your licence for driving without insurance, which puts you at risk of a totting-up ban.
Got an IN10 Conviction?
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How Does Insurance Work with an IN10 Conviction?
Firstly, it’s important to ensure your vehicle is insured, whether you have a driving conviction or not. Although some insurance companies might avoid drivers with convictions, there are specialist policy providers that offer cover for those with an IN10 conviction. At Keith Michaels, we can support convicted drivers with insurance claims.
IN10 Car Insurance from Keith Michaels
When you take out a policy with Keith Michaels, you will be treated as a person instead of a policy number. We’ll provide IN10 car insurance quotes that are tailored to your circumstance so your premium can be kept as low as possible.
For other insurers, a major penalty for driving without insurance can mean 5 years of high insurance premiums. BAs a high-risk insurance policy, most insurance providers will significantly increase your premium if they offer you a quote.
At Keith Michaels, we are able to keep your insurance premium down by seeking out specific IN10 car insurance policies. Our specialist convicted driver insurance brokers will help you find the best insurance policy for the lowest price possible.
Disclosing Convictions to Your Insurance Company
Failing to disclose your driving convictions is illegal and could result hefty fines. All car insurance companies need to know your convictions so they can ensure the most accurate policy is provided for you.
Convictions, including IN10, that remain undisclosed will result in completely invalidating your insurance. If you are stopped by the police, it can mean a driving ban. For future car insurance policies, this can make you an undesirable candidate for a policy, which could result in finding insurance very difficult to secure.
At Keith Michaels, our staff offer no-judgement for convictions and instead aim to find the right policy that supports you.
Driving Without Insurance – FAQs
• receive an unlimited fine
• become disqualified from driving