IN10 Car Insurance
Looking for car insurance with an IN10 conviction? We can help!
- Specialist insurance for drivers with IN10 motoring convictions
- Policies for cars impounded for being uninsured
- Great value cover and affordable payment plans available
What is an IN10 conviction?
It’s against the law to drive a vehicle on a public road, or even keep it parked on the road, without at least the most basic level of car insurance (third party insurance). An IN10 conviction is the penalty for driving without insurance. As well as points on your licence and a fine imposed by the court, an IN10 conviction also means you’re likely to face more expensive car insurance.
That’s where Complete Cover Group comes in.
How can Complete Cover Group help drivers with an IN10 conviction?
If you have a conviction for driving without insurance, don’t despair. You can get affordable car insurance even with previous motoring convictions at Complete Cover Group.
Our specialist brokers will work with a range of well-known insurance suppliers such Axa, Aviva and Zurich, to find you an affordable insurance premium.
How convictions can happen
We understand that not all drivers with an IN10 conviction deliberately set out to drive without insurance. A variety of situations can arise that results in an insurance policy accidentally being invalidated or not being renewed on time, leaving you uninsured.
- Buying the wrong type of policy
- Not giving the insurer important information about yourself or your car
- Unintentionally forgetting to renew a policy in time
- Undeclared car modifications – you might not realise you need to make an insurer aware of a particular alteration. Perhaps you were unaware of changes made by a previous owner.
- Mistakenly believing that your own insurance covers you to drive other vehicles
Why did the police stop me for not having insurance?
The police use number plate recognition cameras linked to a central database of insured vehicles to identify drivers who, they believe, don’t have valid car insurance. You’ll be given seven days to provide evidence that you were insured at the time you were stopped.
As we showed above, there could be a number of reasons why you accidentally became uninsured. You should check your policy carefully for errors, and make sure you haven’t missed some correspondence from your insurance company telling you that they have cancelled the policy.
What’s the penalty for driving without insurance?
Driving without insurance can lead to some serious consequences. As a minimum you’ll be given a fine and at least six points on your licence. If your case is handled in court the fine can be unlimited and you could even be disqualified from driving for more serious offences.
The police also have the power to seize the vehicle you were driving when they stopped you, impound it or even destroy it in some situations. Impounded cars will only be returned once you can provide evidence that you’ve bought the right insurance.
It’s likely you’ll be faced with an increase in your car insurance, too. Some insurance providers may not even cover you at all.
How long does an IN10 stay on your licence?
An IN10 endorsement will stay on your licence for four years starting from the date of the offence.
Will you have a criminal record?
No; driving without insurance is not an imprisonable offence, so an IN10 conviction does not appear on a criminal record. However, as with any conviction, must disclose it when applying for car insurance.
Does comprehensive insurance cover you to drive other vehicles?
This is a common misconception. It’s true that some comprehensive policies cover you to drive other vehicles, but not all do. Don’t assume you are covered, as this can lead to you driving uninsured. Check your policy wording carefully for details of restrictions.
Get the right cover at the right price.
At Complete Cover Group we help drivers stay on the road, whatever their situation. If you have motoring convictions we can help you find the right cover at the right price. Ask us for a quote.
Select Additional Products
To make sure that all of our customers experience the same level of claims service, regardless of the insurer they choose, we sell Motor Legal Cover with all car policies.
Motor Legal Cover provides up to £100,000 for legal expenses to help you recover any financial losses from a non-fault claim, such as lawyers’ fees, expenses relating to repair costs and recovering your excess. You’ll also get assistance arranging a courtesy car if you’re involved in an accident that wasn’t your fault.
Whether you use your car for work, the school run, family holidays or business trips abroad, we offer a range of breakdown policies to suit your budget and needs. Our breakdown cover also protects vehicles up to 20 years old!
Check the table below to see which level of cover is best for you:
|Benefits||Roadside Assistance||Motor Assistance
UK & EU
|Roadside Assistance – 10 Mile Limit|
|Roadside Assistance & Nationwide recover Service|
|Alternative Travel or Accommodation|
Call us on 0800 997 8232 to add this to your cover.
Excess Recovery will refund all or part of your excess in the event of a claim for an accident, a theft or fire, or an incident where there is no third party to claim from.
Adding just £36.95 to your policy, for example, would mean a reimbursement of £350 of your excess, which in many cases could mean you lose nothing at all! See below to choose the best option for you:
|TPF&T or Comprehensive|
Call us on 0800 997 8232 to add this to your cover.
With most comprehensive policies providing only a limited amount of personal accident cover, and third party, fire and theft policies rarely providing any at all, Personal Accident cover is a cost effective way to ensure that you and your passengers are provided for in the event of a death or serious injury.
Key benefits include:
- Payments of up to £25,000 EACH for the policy holder, named drivers and any passengers injured.
- Payments are made whether the claim is fault or non-fault.
- Cover is provided whilst travelling in, getting into and getting out of the insured vehicle, as well as injuries suffered as a result of assault or road rage.
- Payments will be made in addition to any other payout you receive from your motor insurance policy.
Only £29.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Make sure you’re not stuck if your car is off the road after an accident or theft.
Your insurance company may provide you with a courtesy car if an accident wasn’t your fault, but if you have a fault claim or an accident where there is no third party to claim from, you are unlikely to be provided with a replacement car.
With Replacement Car you’ll be provided with a car for up to 21 days or money towards transportation costs, regardless of whether the claim was your fault or not
Only £32.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Do you want windscreen protection without the cost of upgrading to comprehensive cover?
This stand-alone windscreen cover policy provides protection against the kind of damages that can make your car unsafe to drive or cause you to fail your MOT. The kind of loses you won’t be covered for if you’ve chosen to buy a third party only or a third party, fire and theft policy.
Windscreen Cover provides up to £500 worth of repair or replacement costs in a 12 month period.
Only £37.95 for the year. Call us on 0800 997 8232 to add this to your cover.
The cost of replacing lost, stolen or damaged gadgets can quickly mount up, so at £41.95 for the year Gadget Cover could be the most cost effective way to protect your valuable electronics. Cover includes protection for a wide range of electrical items including mobile phones, iPhones, sat navs, laptops, tablets, iPads, iPods, cameras, camcorders, and Kindles.
Benefits of Gadget Cover
- Protects your valuables inside or outside your vehicle, meaning you can claim for gadgets without having to pay your car insurance excess or risk losing your no claims bonus.
- You can avoid claiming for lost, stolen or damaged gadgets on your household contents insurance, meaning you won’t pay a large household policy excess.
- Could save you the cost of a separate mobile phone insurance policy!
Only £41.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Protect yourself against the costs that come with losing your keys.
Key Care covers costs incurred through the loss or theft of vehicle keys, including locksmith charges, new keys, car hire costs and reprogramming immobilisers.
Only £17.95 for the year. Call us on 0800 997 8232 to add this to your cover.