IN10 car insurance: driving without insurance and finding cover
The information in this article is for editorial purposes only and not intended as financial advice.
The information in this article is for editorial purposes only and not intended as financial advice.
IN10 is the endorsement code for using a vehicle without the required third-party insurance. Driving uninsured is an offence. Whether information appears on a particular criminal-record check is a separate question.
What are the penalties?
In Great Britain, police can issue a fixed penalty of £300 and six points for uninsured driving. Court penalties can be more serious and include disqualification. Check the rules for your jurisdiction. Police can also seize the vehicle. The IN10 endorsement carries 6–8 points and stays on the driving record for four years from the offence.
Check GOV.UK’s uninsured-driving guidance and endorsement code list. Do not treat the fixed penalty as the maximum possible court penalty.
How can someone become uninsured?
Problems can arise if a policy has ended or been cancelled, the driver is not covered, or the policy does not cover the vehicle’s actual use. Having comprehensive cover on one car does not automatically insure you to drive another. Check commuting, business use and any driving-other-cars extension directly with the provider.
If a payment fails, contact the insurer or premium-finance provider promptly and confirm whether cover remains in force. A missed payment and a cancellation are not necessarily the same event. Do not drive if you cannot establish that you are insured.
Can you get cover with IN10?
How can points affect car insurance?
| Factor | What it means for your quote |
|---|---|
| Penalty points and convictions | There is no fixed percentage increase that applies to every driver. Insurers assess the offence, its date and your wider circumstances. |
| Cover and excess | Compare the cover, excesses, exclusions and payment terms as well as the price. |
| Insurer criteria | Quotes and acceptance vary. A comparison does not guarantee a saving or an offer of insurance. |
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Some insurers will consider an IN10 endorsement, while others will decline. There is no single premium for an IN10 driver.
Compare the premium, compulsory and voluntary excess, cover limits, exclusions and any instalment interest. A specialist broker may help, but no insurer or comparison service is the cheapest for everyone. Only add a named driver who will genuinely drive the car, and identify the main driver accurately. Choose an excess you could afford to pay.
What must you tell an insurer?
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Answer the insurer’s questions accurately about unspent convictions, points and bans, including those of other named drivers. Check the policy for changes you must report during the year. Spent convictions generally do not need to be disclosed for ordinary motor insurance, even when asked. If you are unsure whether a conviction is spent, get advice before answering.
The time an endorsement remains on your driving record is different from the time a conviction takes to become spent. The sentence, your age and the relevant UK jurisdiction matter; a driving ban ending does not automatically make the conviction spent. See the official rehabilitation guidance for England and Wales, and check the rules for Scotland or Northern Ireland if applicable.
What if the car is not being used?
In Great Britain, a vehicle generally needs insurance unless it is kept off the road and declared SORN. Simply leaving it unused or parking it on a driveway is not enough. GOV.UK explains continuous insurance enforcement; Northern Ireland has different rules.
See our convicted-driver insurance guide for further information. Only the insurer can confirm acceptance and the terms of a quote.
