IN10 Driver Insurance
Are you searching for cheap Car insurance for convicted drivers IN10? We are Convicted Driver insurance specialists. Get your quote today!
It could have easily been a mistake, but driving without at least Third Party Only insurance is a criminal offence. If this is you, you now need to take out insurance for convicted drivers with an IN10.
What Is An IN10 Endorsement?
An IN10 endorsement refers to ‘using a vehicle that is uninsured to the legal minimum requirement’, and this also applies to you letting someone borrow your car without the proper cover. Anybody driving your car must have adequate insurance in place to secure against third party risks. Whether you forget to renew your insurance in time, don’t check whether the person using your vehicle is properly insured to do so, or wilfully drive knowing you haven’t arranged cover, it’s still an offence and will mean your licence will be endorsed with 6-8 penalty points. What’s more, the conviction will stay on your licence for four years, since the date of your offence. You will also have to disclose your IN10 endorsement to your insurance provider for five years after the date of the offence, and it will have an impact on your premium.
The number of IN10 convictions issued in the UK each year is significant, with the IN10 being one of the most common convictions handed out. While some drivers may receive an IN10 for accidentally driving without appropriate cover in place or through a misunderstanding between themselves and their broker about what exactly they are covered for, there are also a number of drivers that wilfully drive without cover in place, thinking that they won’t get caught. If a driver misunderstands their policy, or gets a policy that is wrong for them they may end up with their insurance void – meaning they could be driving without cover for a period of time without even knowing.
When you take out a policy, you will be told that it is your responsibility to make sure that the cover you hold is correct, the details on your documentation are accurate, and if there are any errors or anything that you do not understand, then to inform your broker immediately. Therefore, it is vitally important that you check your documentation and make sure that it is all correct, otherwise you could end up driving without the cover you think you have, and could end up with an IN10 conviction if you’re pulled over by the police.
At the other end of the spectrum, are the drivers that wilfully drive a vehicle without the right, or any, cover in place. This shows a deliberate neglect of the law and is perhaps more serious, as you have driven knowing you didn’t have the correct cover in place.
What Are the Penalties of Driving Without Insurance?
If you are caught driving without the minimum legal level of insurance cover, you could face up to 8 points on your licence and potentially a hefty fine.
Along with these penalties, you may find that this has further implications, such as an increase to the cost of your insurance as well. Depending upon your insurance company, you may even find that they aren’t even prepared to offer cover following receipt of an IN10, and so you could find yourself having to find cover elsewhere. If you drive as part of your job, then your endorsement could also put this in jeopardy, particularly if you can’t get insurance.
How Long Do IN10 Penalties Last?
Once you have been convicted of driving without insurance and received an IN10 endorsement, this will remain on your licence for four years. After those four years, you may still need to disclose it to potential insurers for a further year, but if in doubt always check with your insurance company or broker, to make sure you don’t unwittingly fail to disclose your conviction and find yourself with more issues when your insurer eventually finds out – if in doubt, let them know!
How Does An IN10 Endorsement Affect Your Insurance?
Having an IN10 endorsement on your driving licence means your insurance premium will rise as you will be classed as a convicted driver. This means you will need to find cheap car insurance for convicted drivers with an IN10 for the subsequent 10 years as this is how long it remains on your record, which means it’s essential to use a specialist insurance broker when looking for Convicted Driver insurance.
By its nature, Convicted Driver insurance for people with an IN10 endorsement is more expensive, which is why you need to make sure you get it right. If you make a mistake you could have your Convicted Driver insurance policy cancelled or voided, which would mean you weren’t properly insured in the first place. When you contact a specialist IN10 Convicted Driver insurance broker, make sure you have all the correct details regarding your conviction, and make sure your prospective insurance broker has everything they need. The last thing you want to do is to not be properly insured and risk receiving another IN10 endorsement.
If you’re under 25 years old and you get an IN10 conviction, this will result in some companies refusing to cover you, and declining to quote on your policy. If they are willing to quote, in general, insurers will look to increase your premium by around 15-20%. If you’re over 25, then you should still be able to get cover, and the cost impact will be less than that of under 25s, with your premium rising by roughly 10-15% as a result of the IN10. An IN10 isn’t received for poor driving ability so you may be wondering how it could impact your insurance premium so much. Well, having an IN10 endorsement on your licence could be seen as evidence to an insurer that you could be considered to be an unreliable risk. While its not always the case, many insurers won’t take risks when it comes to negligence of insurance. As such, you may need the help of a specialist insurance broker as a way to try to lower your premium when you have an IN conviction on your licence.
Keep Costs Down When Getting Convicted Driver IN10 Insurance
There are ways you can bring your premium down further, and reducing your mileage is a great way to keep costs down. However, don’t purposely underestimate your mileage as this is an offence and could lead to trouble. Adding a driver without a conviction onto your policy can also help bring down costs, and think about what car you are driving. If possible, look at getting a car with a lower insurance group, to make your premium cheaper.
As someone with an IN10 endorsement on their driving licence, you will be looking for the best Car insurance for convicted drivers. This is why you will need the help of an insurance broker that specialises in IN10 convicted drivers, such as Think Insurance. We have exclusive access to a specially selected list of underwriters that deal with convicted drivers, and this means we may have access to prices that you won’t be able to get online.
If you are a young driver with convictions you may find it a lot more difficult to get cover, and if you can find someone who will quote, the cost will likely be expensive. Depending upon your circumstances though, you may be eligible for a specialised insurance policy catered for young drivers with convictions – these policies take the basic young driver black box cover, and apply it to a convicted driver scheme. This could potentially make your premium more affordable and, with more and more young drivers getting convictions, this type of insurance policy will help ensure that young drivers can still get cover in the event they do land a conviction.
Features of Our IN10 Convicted Driver Insurance
While there are many insurance brokers that wouldn’t even consider anybody with a conviction against their name, here at Think we offer policies for all kinds of convictions for people of all ages.
We are one of the UK’s leading IN10 and Convicted Driver insurance brokers. We know that having a previous driving conviction, and having seen the impact it can have on your life financially as a result of fines and/or increased insurance premiums, there’s a good chance that you won’t reoffend. We don’t judge, and we treat every customer as an individual, no matter what their driving history. Our policies can benefit from the following features:
- Specialist policies for convicted drivers
- IN10 insurance cover
- Convicted van drivers covered
- Instalments available
- Non-Motoring convictions covered
- Experienced team
- Free EU cover up to 90 days
- UK & EU Breakdown Cover
- Legal Protection Cover Available
- No Claims Bonus Protection
- 24/7 Claims helpline
Get IN10 Convicted Driver Insurance
Having an IN10 endorsement on your driving licence means you will be well aware of the repercussions of not having adequate insurance, which is why you will want to make sure you have the correct insurance going forward. This means it’s essential that, when looking for cheap Car insurance for convicted drivers IN10, you contact experienced specialists in Convicted Driver insurance . To get an IN10 Convicted Driver policy click Get a Quote below or if you prefer to speak to one of our Convicted Driver insurance experts then you can call 0800 221 8077 for free.