Car Insurance with Driving Convictions & DVLA Endorsements (2026)

How your record shapes what you pay

Your driving history is one of the strongest signals an insurer uses to price risk. Insurers in Great Britain access your record through the DVLA's MyLicence service, which shares your endorsement codes, points and disqualifications directly from the driver record — so undeclared convictions are easy to detect and can void a policy for non-disclosure.

In 2026 the average UK comprehensive premium sits at roughly £600 a year, broadly stable after falling around 11% from the 2024 peak (ABI). A clean licence keeps you near that figure. Endorsements load the premium on top — how much depends on the code, how recent it is, and how many you hold. A conviction in the last 12 months costs noticeably more than the same conviction in year four of the declaration window, because risk loadings taper as the offence ages.

Most mainstream insurers ask about motoring convictions in the last five years and any unspent non-motoring convictions. The DVLA, however, keeps serious endorsements on your licence record far longer — a DR10 stays for 11 years. Failing to declare an endorsement an insurer would have asked about is the single most common cause of voided convicted-driver policies, leaving the driver uninsured at the point of a claim.

Insurance is rated on more than just history. Your age band often outweighs a minor endorsement — a clean 17-year-old can still pay more than a 45-year-old with a single SP30. Use the table below as a directional guide, then read the dedicated guide for your specific code.

Insurance guides by conviction code

Each guide covers how the offence is rated, which insurers and specialist brokers will quote, how long you must declare it, and realistic 2026 premium ranges:

1. DR10 drink-driving insurance — the heaviest-loaded common code; often doubles premiums and needs specialist brokers.
2. SP30 speeding insurance — the most frequently issued endorsement; a single SP30 adds roughly 10-25%.
3. IN10 no-insurance car insurance — heavily loaded and viewed seriously by insurers; declarable for at least five years.

If your conviction code isn't listed yet, the principles still apply: declare it honestly, compare specialist convicted-driver brokers as well as mainstream insurers, and expect the loading to shrink each year the offence ages. For wider context on how non-history factors interact, see our by-driver hub and the premium-by-age guide.