The cost of a motoring conviction

The figures in the table below are based on a test quote we ran for a 30-year-old female marketing manager living in Cardiff and driving a 2003 Mini Cooper.

With an annual mileage of 6,000, five years’ no-claims discount, and the car parked on a driveway when not in use, she would pay £682 a year for cover.

Top 10 motoring convictions

% increase in car insurance premium after conviction

How much car insurance increased by after conviction

1. SP30 – Exceeding statutory speed limit on a public road 34% £231
2. CU80 – Use of a hand-held device whilst driving 49% £337
3. TS10 – Failing to comply with traffic light signals 24% £162
4. SP50 – Exceeding speed limit on a motorway 34% £231
5. IN10 – Using a vehicle uninsured against third party risks 131% £896
6. DR10 – Driving or attempting to drive with alcohol level above limit 115% £782
7. CD10 – Driving without due care and attention 51% £346
8. LC20 – Driving otherwise than in accordance with a licence 49% £331
9. CU30 – Using a vehicle with defective tyre 69% £471
10. SP40 – Exceeding passenger vehicle speed limit 34% £231

This table is based on customers who obtained a car insurance quote from Confused.com between October and December 2012, with motoring convictions in the last five years prior to the date of the quote.

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