:quality(80))
:quality(80))
5 Ridiculous Excuses For Drink Driving
It’s summer, and that means lots of BBQs, beach parties and festivals. It also means that thousands of people will risk driving home when they’ve had…
IN10Insurance
IN10 Insurance
Convicted of using a vehicle uninsured against third-party risks? We help you find suitable cover through specialist insurers.
Convicted of using a vehicle uninsured against third-party risks? We help you find suitable cover through specialist insurers.
Enter your vehicle registration
No Judgement CoverCompare From Specialist InsurersExpert Support
Compare from 20+ Insurers
Talk to a specialist 0330 808 1548
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80))
What is an IN10 conviction?
IN10 is the DVLA endorsement code for using a vehicle uninsured against third-party risks. It typically carries 6-8 penalty points and stays on your licence for 4 years, and driving uninsured is a criminal offence in its own right.
“An IN10 conviction makes future insurance more expensive, but it doesn’t mean you can’t get suitable cover.”
The right cover depends on:
How long ago your IN10 was recordedHow you use your vehicleThe circumstances behind the offenceWhether your vehicle was seizedWhether you’ve had other convictionsAny other endorsements on your licence
Is IN10 the right code, or something else?
Is IN10 the right code, or something else?
IN10 relates specifically to uninsured driving, make sure you’ve got the right code.
IN10 relates specifically to uninsured driving, make sure you’ve got the right code.
TT99
A totting-up disqualification from accumulating 12+ points, sometimes issued alongside IN10.
DR10
Drink driving, sometimes recorded together with IN10 after the same incident.
Banned Driver
If your IN10 resulted in disqualification rather than points.
Impounded Vehicle
If your vehicle was seized for being driven uninsured.
Penalty Points
If you’re not sure which specific offence your points relate to.
Not Sure Which Applies?
Check your exact code and points on your DVLA driving record.
What could go wrong and what covers it?
What could go wrong and what covers it?
The situations drivers with an IN10 conviction worry about most are being refused cover, paying far more than before, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
The situations drivers with an IN10 conviction worry about most are being refused cover, paying far more than before, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
Is IN10 insurance right for you?
This type of cover may be suitable at any stage after an IN10 conviction.
This cover may be suitable for:
Recently Convicted DriversYoung or New Drivers with an IN10Drivers Completing a BanDrivers Completing a CourseDrivers Returning After a BanOlder IN10s Still on LicenceReal-world scenarios. Real-world cover
Real-world scenarios. Real-world cover
These are the everyday situations we see for drivers with an IN10 conviction, and the cover that responds in each case.
These are the everyday situations we see for drivers with an IN10 conviction, and the cover that responds in each case.
Vehicle seized
Your vehicle is seized by police for being driven uninsured.
What typically happens
Release requires proof of valid cover
Renewal after conviction
Your policy is due for renewal after your IN10.
What typically happens
Premium increases, specialist insurer may be needed
Accident while uninsured
You’re involved in an accident while driving without insurance.
What typically happens
Personal liability for damages, plus prosecution
Non-disclosure
You don’t tell a new insurer about your IN10.
What typically happens
Policy can be voided entirely
What affects the cost of IN10 insurance?
IN10 insurance is priced on how recently you were convicted of driving uninsured, any disqualification or penalty points, whether you have other convictions, and the vehicle and mileage you need cover for.
How long ago it happened
More recent convictions are generally viewed as higher risk than older ones.
Your driving history overall
A clean record before the conviction may help your case.
Circumstances of the offence
Insurers may consider why the vehicle was uninsured.
Level of cover chosen
Third party, third party fire & theft or comprehensive cover all affect price differently.
Whether you’ve had other convictions
Multiple convictions can make cover harder and more expensive to arrange.
How you use your vehicle
Personal or work-related driving can be assessed differently.
IN10 compared to related codes
IN10 compared to related codes
A quick reference, always confirm your exact code and points with the DVLA.
A quick reference, always confirm your exact code and points with the DVLA.
| Code | Offence | Typical penalty | Duration on licence |
|---|---|---|---|
IN10 | Using a vehicle uninsured | 6 to 8 points | 4 years |
TT99 | Totting up, 12+ points in 3 years | 6 month ban minimum | 4 years |
BA10 | Driving while disqualified by court order | 6 points, ban possible | 4 years |
DR10 | Drink driving above the limit | 12 month ban minimum | 11 years |
SP30 | Exceeding the speed limit | 3 to 6 points | 4 years |
CD10 | Driving without due care | 3 to 9 points | 4 years |
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for your business.
Simple steps. Expert advice. The right cover for your business.
1
Tell us about your IN10
When you were caught driving without insurance, the points you received, and any fine.
2
Tell us about you and your vehicle
Your age, driving history, and the vehicle you want to insure.
3
We find insurers who accept IN10
An IN10 stays on your licence for four years. We go to insurers who quote for it rather than refuse it.
4
Get properly insured
We explain the options and set up cover, so you’re not caught uninsured again.
UK-based specialist advisersAccess to 20+ specialist insurersNo obligation, just expert helpTrusted by thousands of drivers across the UK
Trusted by thousands of drivers across the UK
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
IN10 insights & guides
IN10 insights & guides
Practical advice on uninsured driving convictions and getting back on the road.
Practical advice on uninsured driving convictions and getting back on the road.
A Guide To Drink Drive Codes
Learn what drink-drive codes such as DR10 and DR20 mean, how many penalty points they carry and how long they stay on your driving licence.
:quality(80))
Banned & Back: How to Get Car Insurance After a Drink Driving Conviction!
Getting back behind the wheel after a drink driving conviction isn’t easy. Many insurers either hike up their prices or refuse to cover you…
:quality(80))
Car Insurance After an IN10 Conviction: What Are Your Options?
If you’ve been hit with an IN10 conviction for driving without insurance, finding cover can feel like a minefield. Most standard insurers either…
:quality(80))
Car Insurance with Convictions: How to Find Fair and Affordable Cover
At Insurance Revolution, we specialise in helping drivers find car insurance with convictions, regardless of their driving history. As a…
:quality(80))
Caught Drink Driving What To Do What To Expect
Around 8,000 casualties and 240 deaths are witnessed from drink driving every year. However, we understand that good people can make mistakes. There…
:quality(80))
Caught Driving Dirty? Here’s How to Still Get Car Insurance
Made a mistake behind the wheel? Whether driving without insurance, getting caught over the limit, or picking up a few too many points, it can feel…
Convicted Driver Codes: A Guide
Convicted driver codes appear on your license once you’ve been convicted of a driving offence. They also come with penalty points, the amount depends…
:quality(80))
Declaring Drink Driving Convictions
By law, customers must fully and accurately complete all of the questions on the insurance form. Previously, the law instructed customers to declare…
Do I Have To Redo My Driving Test If I’m Banned?
The short answer is that it depends. If you are banned from driving for less than 56 days, this is known as a Short Period Disqualification (SPD),…
:quality(80))
DR10 Insurance Quotes Made Simple: Getting Cover After a Drink Driving Ban
A car insurance for DR10 convictions offence is one of the most serious motoring convictions. A DR10 is issued when a driver is caught operating a…
Drink Driving Abroad
Picture the scene: You’re sat in a bar on holiday in Spain. The beautiful sun is beaming down. You’re happily enjoying your third cocktail. That…
Drink Driving Myths Debunked
There are loads of myths surrounding drink driving, some of which are actually widely believed throughout the UK and beyond. We’ve compiled a list of…
Drink Driving Over The Christmas Period
During the month of December, alcohol consumption in the UK increases by over 40%. Despite repeated government campaigns on the rules of road safety…
:quality(80))
Drink Driving Statistics UK 2026: The Latest Facts and Figures
Drink driving remains a serious road safety issue across the UK. Despite years of awareness campaigns, tougher penalties and increased police…
:quality(80))
Drink Driving Statistics, Greater Manchester Police
Explore Greater Manchester Police drink driving statistics, including alcohol-related offences and trends, and learn more about drink driving…
:quality(80))
Drug Driving in the UK: What Drivers Need to Know Before They Get Behind the Wheel
Drug driving continues to rise across the UK, and police officers now stop more drivers for drug driving than ever before. Many people assume drug…
Drug Driving Statistics
Looking for the quick facts? Here are the key statistics our research into drug driving uncovered: 1 in 20 of people in the UK admit to having driven…
DVLA Medical Drink Driving
After being convicted of a drink driving offence, High Risk Offenders will have to undergo a medical, which is given by a DVLA approved doctor, to…
Exceptional Hardship: What Is It?
Did you know it’s possible to avoid a six-month driving ban as a result of a driving offence or conviction? It’s not easy, though, as you have to…
Finding Insurance With Criminal Or Driving Convictions
After you have received a criminal conviction, driving conviction, or finished a driving ban, it can be difficult to find insurance. This is because…
:quality(80))
From Convictions to Coverage: A Guide for High-Risk Drivers
For drivers with convictions, navigating the world of car insurance can be an intimidating experience. Whether you’ve faced fines, points on your…
From DD40 to IN10: Insurers Who Won’t Say No
For many UK drivers, a motoring conviction like a DD40 (dangerous driving) or IN10 (driving without insurance) can lead to one harsh reality, such as…
Has Drink Driving Increased In The Past 10 Years In The UK?
Road accidents seem to be rising on the UK roads. According to reports, a fair share of road crashes are the inevitable result of drunk driving. If…
Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about IN10 insurance and uninsured driving convictions.
Find quick answers to common questions about IN10 insurance and uninsured driving convictions.
IN10 is the DVLA endorsement code for using a vehicle uninsured against third-party risks. It typically carries 6-8 penalty points and stays on your licence for 4 years.
Still have questions?
Our advisers are here to help you find the right solution.
:quality(80))