Insurance for MS90 Convictions

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If the cost of your car insurance has increased following an MS90 conviction, or your current insurer won’t cover you any more, we’re here to help you find a better deal.

At Complete Cover Group, we understand how easy it is for these kinds of mistakes to happen; we don’t judge, we just work hard to find you a more affordable policy. We have some great deals for convicted drivers, with some of the UK’s leading insurers.

Does an MS90 conviction affect your insurance?

Every insurer has their own rules that may affect their calculations, but it’s possible that your car insurance will increase after an MS90 conviction.

What is an MS90 conviction?

Failing to give information about a driver’s identity when asked by police can lead to an MS90 conviction.

How does an MS90 conviction happen?

There are a number of ways you can end up with this type of conviction:

Not informing the DVLA of a change of address

By far the most common accidental reason that MS90 convictions occur is because the registered keeper of a vehicle forgets to let the DVLA know they’ve changed their address. For example, when a speed camera catches a vehicle breaking the speed limit, the police send a Notice of Intended Prosecution to the registered keeper of the vehicle, requiring them to provide details of who was driving at the time of the offence. If the vehicle owner has moved without informing the DVLA, they miss the letter and end up with the MS90 conviction. While speeding is the most common offence resulting in a Notice of Intended Prosecution, they can also be sent for other offences such as:

1. being caught on camera using a mobile phone while driving
2. giving false information when a driver is pulled over
3. refusing to stop when signalled to do so by the police

Deliberately withholding identification

Some drivers take deliberate steps to avoid being identified if they know they’ve done something wrong, such as speeding. For example, if a driver is nearing the upper limit of penalty points on their licence, they may ask someone else to admit to being the driver when the offence occurred. The most likely outcome in this scenario is ending up with two convictions instead of just one!

Not carry carrying your driving licence with you

It can happen accidentally if you don’t routinely carry your driving licence with you. For example, you may be pulled over by the police for a routine check or because they have spotted something amiss with your car or driving behaviour. You’ll often be given a period of grace to provide the police with your details in this situation, though.

What’s the penalty for an MS90 conviction?

The penalty is 6 points on your licence and a fine of up to £1,000. If the conviction results in you reaching the upper limit of 12 penalty points, you could also be disqualified from driving for a minimum of six months under the totting up system.

How long does an MS90 conviction stay on your licence?

This type of conviction stays on your licence for four years, starting from the date of the offence.