At Call Wiser we understand that mistakes happen, but we don’t believe that you should be made to pay for these for the rest of your life.
Motoring convictions can make it difficult to find cost effective insurance for your vehicle. Many insurance companies will apply loadings onto their premiums, leaving you with little option but to pay the extra and often over the odds for your insurance.
Call Wiser are market leaders in placing and handling motor insurance, including insurance for drivers with motoring convictions or criminal convictions.
Drink driving and other alcohol related motoring convictions can be accommodated and we have even negotiated with a number of Insurers to offer fairer rates for minor convictions. No matter what your driving record, Call Wiser can help. Having a conviction does not sentence you to paying expensive premiums forever.
Insurers do increase their premiums if you’ve had a motoring conviction or two. The personal touch Call Wiser provides can make a difference when seeking a quotation. Our insurers know that your past is not necessarily a guide to the future and our specialists are able to ensure that all circumstances are taken into account, so you pay a fair price.
Some insurers have different policies for convicted drivers so the benefit of applying through a broker or comparison site is that you have access to a range of companies and policies so that you can get the best deal possible.
Other ways to reduce the cost is to consider increasing the excess you pay on your car or reduce the risk of theft by keeping your vehicle in a garage overnight or by ensuring the alarm is working correctly.
|Conviction code||Definition||Conviction Code||Definition|
|AC10||Failing to stop and/or give particulars after an accident.||MS10||Leaving a vehicle in a dangerous position|
|AC20||Failing to give particulars or report an accident within 24HRS||MS20||Unlawful pillion riding|
|AC30||Undefined accident offences||MS30||Play street offences|
|BA10||Driving while disqualified by order of the court||MS40||Driving with uncorrected defective eyesight or refusing a test|
|BA20||Driving whilst disqualified under age||MS50||Motor racing on the highway|
|BA30||Attempting to drive while disqualified by order of the court||MS60||Offences not covered by other codes|
|CD10||Driving without due care and attention||MS70||Driving with non-corrected defective eyesight|
|CD20||Driving without reasonable consideration for other road users||MS80||Refusing to submit to an eyesight test|
|CD30||Driving without due care and attention or without reasonable consideration||MS90||Failure to give information as to identity of drivers etc.|
|CD40||Causing death – careless driving when unfit through drink||NE99||Non-endorsable criminal act|
|CD50||Causing death – when unfit through drugs||MW10||Contravention of special roads regulation|
|CD60||Causing death – careless driving with alcohol levels above limit||PC10||Undefined contravention of a pedestrian crossing regulation|
|CD70||Causing death - careless driving – failing to supply specimen||PC20||Contravention of pedestrian crossing regulations – moving vehicles|
|CU10||Using a vehicle with defective brakes||PC30||Contravention of pedestrian crossing regulations – stationary vehicles|
|CU20||Using a vehicle with parts or accessories in dangerous condition||PL10||Driving without ‘L’ plates|
|CU30||Using a vehicle with defective tyres||PL20||Not accompanied by a qualified person|
|CU40||Using a vehicle with defective steering||PL30||Carrying a person not qualified|
|CU50||Causing or likely to danger by reason of load or passengers||PL40||Drawing an authorised trailer|
|CU60||Undefined failure to comply with construction and use regulations||PL50||Undefined failure to comply with conditions of provisional|
|DD10||Driving in a dangerous manner||S19||Disqualification (totting up procedure)|
|DD30||Reckless driving||SP10||Exceeding goods vehicle speed limits|
|DD40||Dangerous driving||SP20||Exceeding speed limit for type of vehicle|
|DD50||Causing death by dangerous driving||SP30||Exceeding statutory speed limit on a public road|
|DD70||Manslaughter or culpable homicide while driving a vehicle||SP40||Exceeding passenger vehicle speed limit|
|DD70||Causing death by dangerous driving||SP50||Exceeding the speed limit on a motorway|
|DR10||Driving or attempting to drive with alcohol above the limit||SP60||Undefined speed limit offence|
|DR20||Driving or attempting to drive while unfit through drink/drugs||TS10||Failing to comply with traffic light signals|
|DR30||Driving or attempting to drive/ refusing or failing to supply specimen||TS20||Failing to comply with double white lines|
|DR40||In charge of a vehicle while alcohol above the limit||TS30||Failing to comply with a STOP sign|
|DR50||In charge of a vehicle while unfit through drink or drugs||TS40||Failing to comply with a direction of a constable or warden|
|DR60||Failure to provide specimen for analysis other than driving||TS50||Failing to comply with traffic sign|
|DR70||Failure to provide specimen for breath test||TS60||Failing to comply with a school crossing patrol sign|
|DR80||Failure or attempting to drive when unfit through drugs||TS70||Undefined failure to comply with traffic direction sign|
|IN10||Using a vehicle uninsured against third party risks||TT99||To signify disqualification under ‘totting up’ procedure|
|LC10||Driving without a license||UT10||Taking and driving away without consent or attempt thereat|
|LC20||Driving while underage. Driving other than in accordance||UT20||Stealing or attempting to steal a vehicle|
|LC30||Driving after making a false declaration about fitness||UT30||Going equipped for stealing or taking a vehicle|
|LC40||Driving a vehicle having failed to notify a disability||UT40||Taking/driving/be carried in a vehicle without consent|
|LC50||Driving after a license has been revoked or refused a medical||UT50||Aggravated taking of a vehicle|
|XX99||To signify a disqualification under ‘totting up’ procedure|