An IN10 endorsement can follow a fixed penalty or court case for using a vehicle without valid insurance. It can lead to points, a fine and a possible driving ban.
An IN10 conviction is the motoring offence code for driving a vehicle without valid insurance. In the UK, you must have at least third party motor insurance to use a vehicle on public roads. GOV.UK explains that driving without insurance is illegal.
The IN10 code is used when a driver has used a vehicle uninsured against third party risks. GOV.UK lists IN10 under endorsement codes and penalty points.
This can happen if there is no policy in place, if the policy has been cancelled, or if the driver is not covered to use that vehicle. It may also arise where the driver is not insured for that vehicle or for the particular journey or use.
If the police catch you driving without insurance, they may issue a fixed penalty of £300 and 6 penalty points. GOV.UK also says the case can go to court, where you could get an unlimited fine and be disqualified from driving if you are not insured to drive.
An IN10 endorsement usually carries 6 to 8 penalty points. It stays on your driving record for 4 years from the date of the offence, based on the GOV.UK list of IN10 endorsement rules.
The court may also consider a driving ban. The Sentencing Council’s guideline for no insurance offences shows that the sentence can depend on how serious the case is.
An IN10 conviction can make insurance harder to arrange. Insurers may see driving without insurance as a higher risk. This can mean higher premiums, fewer quotes, or extra checks before cover is offered.
You should tell the insurer about any unspent motoring conviction when asked. MoneyHelper explains that insurers use the information you give them to assess risk, and you need to answer questions honestly when you buy insurance. If details are wrong or missing, the insurer may reduce cover, cancel the policy, or reject a claim, depending on the facts and policy terms.
For drivers with an IN10, a specialist policy may help. At Got You Covered, we arrange convicted driver insurance for people with a range of motoring convictions. This includes drivers who need IN10 insurance for a car or van.
An insurer may ask for the offence code, conviction date, penalty points, any fine, and whether there was a driving ban. They may also ask about claims, previous cancellations, vehicle use, and who drives the vehicle.
For car cover, this may include commuting, business use, named drivers and the main driver. For van cover, it may include trade use, carriage of goods, tools, courier work or delivery use. You can read more about our car insurance and van insurance options.
We work with insurers who consider drivers with convictions, including IN10. We cannot promise a quote, a lower price, or acceptance by every insurer. The outcome will depend on your full details, the vehicle, the conviction, your claims history, and the insurer’s rules.
We can help you explain your situation clearly and look for suitable options, subject to the policy terms. Answer the insurer’s questions about the IN10 accurately if the conviction is unspent and the information is requested. This helps reduce the risk of problems later if you need to make a claim.
An IN10 conviction means driving without valid insurance. It can lead to points, a fine, court action, or a ban. It can also affect future insurance, but some insurers may still consider cover. The key is to give accurate details and check that the policy matches how you use the vehicle.
