Young Driver Insurance Scams

As a young driver who wants to keep their insurance rates down we have already stated that the number 1 priority should be to build a legitimate no claims discount, however, on the flip side the one thing you must avoid to prevent an ever soaring premium is make sure you keep your record clean.

Amazingly, as a nation more UK citizens have been convicted of driving related offenses than any other nation and millions of UK citizens have a criminal records because of bad driving.

Any convictions you receive will flag you as more of an “at risk” driver than someone with a clean record ad while, in later life, a single offence might not have that drastic an effect on your premiums showing that you are getting into bad driving habits this early in your driving career is not something you should plan on doing, stay safe and obey the traffic laws, they are in place for a reason.

Getting insurance when you have a conviction is expensive and, depending on the type of conviction, sometimes impossible. Convictions stay on your licence for varying time periods.

The list below is a complete record of the possible convictions you are exposing yourself to every time you step into your car, some of these are much more common than others and some so common that they even seem innocent:

• AC10 Failing to stop and/or give particulars after an accident
• AC20 Failing to give particulars or report accident within 24 hrs
• AC30 Undefined accident offences
• BA10 Driving while disqualification by order of the Court
• BA20 Driving while disqualified as under age
• BA30 Attempting to drive while disqualified by order of the Court
• CD10 Driving without due care and attention
• CD20 Driving without reasonable consideration for other road user
• CD30 Driving without due care and attention or without reasonable consideration
• CD40 Causing death – careless driving when unfit through drink
• CD50 Causing death – careless driving when unfit through drugs
• CD60 Causing death – careless driving with alcohol level above limit
• CD70 Causing death – careless driving – failing to supply specimen
• CU10 Using a vehicle with defective brakes
• CU20 Using a vehicle with parts or accessories in dangerous condition
• CU30 Using a vehicle with defective tyres
• CU40 Using a vehicle with defective steering
• CU50 Causing or likely to danger by reason of load or passengers
• CU60 Undefined failure to comply with Construction and Use Regulations
• DD10 Driving in a dangerous manner
• DD20 Driving at a dangerous speed
• DD30 Reckless driving
• DD40 Dangerous driving
• DD50 Causing death by dangerous driving
• DD60 Manslaughter or culpable homicide while driving a vehicle
• DD70 Causing death by reckless driving
• DD80 Causing death by dangerous driving
• DR10 Driving or attempting to drive with alcohol above limit
• DR20 Driving or attempting to drive while unfit through drink/drugs
• DR30 Driving or attempting to drive/refusing or failing to supply specimen
• DR40 In charge of vehicle while alcohol level above limit
• DR50 In charge of vehicle while unfit through drink or drugs
• DR60 Failure to provide specimen for analysis other than driving
• DR70 Failure to provide specimen for breath test
• DR80 Failure or attempting to drive when unfit through drugs
• DR90 In charge of a vehicle when unfit through drugs
• IN10 Using a vehicle uninsured against third party risks
• LC10 Driving without a licence
• LC20 Driving while under age. Driving other than in accordance
• LC30 Driving after making a false declaration about fitness
• LC40 Driving a vehicle having failed to notify a disability
• LC50 Driving after a licence has been revoked or refused medical
• MS10 Leaving a vehicle in a dangerous position
• MS20 Unlawful pillion riding
• MS30 Play street Offences
• MS40 Driving with uncorrected defective eyesight or refusing test
• MS50 Motor racing on the highway
• MS60 Offences not covered by other codes
• MS70 Driving with uncorrected defective eyesight
• MS80 Refusing to submit to an eyesight test
• MS90 Failure to give information as to identity of driver etc.
• NE99 Non-endorsable criminal Act
• MW10 Contravention of Special Roads Regulations
• PC10 Undefined Contravention of a Pedestrian Crossing Regulation
• PC20 Contravention of Pedestrian Crossing Regulations – Moving vehicles
• PC30 Contravention of Pedestrian Crossing Regulations – stationary vehicles
• PL10 Driving without ‘L’ plates
• PL20 Not accompanied by a qualified person
• PL30 Carrying a person not qualified
• PL40 Drawing an unauthorised trailer
• PL50 Undefined failure to comply with conditions of Provisional
• S 19 Disqualification (“totting – up” procedure)
• S 35 Disqualification (“totting-up” procedure)
• SP10 Exceeding goods vehicle speed limits
• SP20 Exceeding speed limit for type of vehicle
• SP30 Exceeding statutory speed limit on a public road
• SP40 Exceeding passenger vehicle speed limit
• SP50 Exceeding speed limit on a motorway
• SP60 Undefined speed limit offence
• TS10 Failing to comply with traffic light signals
• TS20 Failing to comply with double white lines
• TS30 Failing to comply with a ‘Stop’ sign
• TS40 Failing to comply with direction of a constable or warden
• TS50 Failing to comply with traffic sign
• TS60 Failing to comply with a school crossing patrol sign
• TS70 Undefined failure to comply with a traffic direction or sign
• TT99 To signify disqualification under “totting-up” procedure
• UT10 Taking and driving away without consent or attempt thereat
• UT20 Stealing or attempting to steal a vehicle
• UT30 Going equipped for stealing or taking a vehicle
• UT40 Taking/driving/be carried in a vehicle without consent
• UT50 Aggravated taking of a vehicle
• XX99 To signify a disqualification under “totting-up” procedure

The above list is made up of 85 items and the penalties that you would be subjected to vary from a £30 fine which can sometimes be paid on the spot to, potentially a life in prison!

If you have received any of the above already your insurance premium will increase and, depending on the severity of the conviction you received, you might be better off seeking specialist help when taking out insurance in the future rather than just searching online for quote after quote with your newly tagged conviction.