TS10 Car Insurance

TS10 Car Insurance: A Guide to Getting Back on the Road

A TS10 conviction, typically issued for running a red light, can be a frustrating and costly experience. It adds points to your licence and, for many drivers, leads to a significant increase in car insurance premiums. This is because insurers often view this type of offence as a sign of higher risk, making it harder to find affordable cover. However, a TS10 conviction doesn't have to define your driving record or your insurance costs forever.

At The Comparison Expert, we understand that a momentary lapse in concentration shouldn't result in long-term financial penalties. This guide will help you understand the implications of a TS10 conviction and, more importantly, how to find specialist insurance providers who offer competitive deals to drivers with this type of endorsement.

What is a TS10 Conviction?

A TS10 conviction is a motoring offence code for 'failing to comply with traffic signals', most commonly given for driving through a red light. If you are convicted, you will typically receive a £100 fine and 3 penalty points on your driving licence. These points remain on your licence for four years from the date of the offence. It is a legal requirement to declare this conviction to your insurance provider when you apply for a new policy or renew an existing one. Failure to do so could invalidate your insurance, leaving you without cover.

How a TS10 Conviction Affects Your Insurance

For many drivers, a TS10 conviction can have a notable impact on their car insurance. Insurers calculate your premium based on your risk profile, and a conviction like TS10 indicates to them that you are a higher-risk driver. The 3 penalty points on your licence can lead to an increase in your premium, and some mainstream insurers may even refuse to offer you a quote. The increase can be significant, but it is not as severe as other, more serious offences. Your premium is likely to remain higher for the four years the endorsement is on your licence, and some insurers may continue to consider it for up to five years.

Tips for Finding a Great Deal

While a TS10 conviction can make insurance more expensive, there are steps you can take to find a more affordable policy. The most effective strategy is to compare quotes from specialist insurers who focus on convicted drivers. These companies are more equipped to assess your circumstances rather than relying on a one-size-fits-all approach. Another option is to consider telematics or 'black box' insurance, which uses a device to monitor your driving habits and can reward safe driving with lower premiums. You can also review your policy details, such as increasing your voluntary excess or being accurate with your annual mileage, to help reduce your costs.