IN10 Car Insurance
- Offers affordable car insurance for convicted drivers
- Insurance policy can be tailored to your needs
- Discounts available for a range of different reasons
What is an IN10 conviction?
An IN10 conviction is when you’re caught driving without insurance. In the UK, it’s against the law to drive or park any vehicle on a public road without insurance. The minimum type of cover you should get to avoid an IN10 conviction is third party insurance. Without the right cover, you could face penalties and points on your licence.
What are the common reasons for getting an IN10 conviction?
Some of the most common reasons include driving your new car home and forgetting you need to insure it to do so, forgetting to renew your policy, not declaring modifications, or borrowing your friend’s car thinking your comprehensive insurance includes drive any car insurance.
Sadly, even if you have driven without insurance accidentally, this can’t be used as an excuse to remove your conviction. However, at Adrian Flux we can help secure you affordable car insurance even with an IN10 conviction.
Is IN10 a criminal offence?
No, IN10 isn’t a criminal offence, so you won’t face a prison sentence. However, driving without insurance is still a serious driving conviction and makes you a bigger risk to insurers. As a result, you should always disclose any convictions when you’re trying to get a car insurance quote.
Get a Car Insurance for Drivers With An IN10 Conviction Quote
What happens if you get caught driving without insurance?
You could face fines and penalties for driving without insurance. If you’re caught doing this, you could face a fine of £300 and six points on your licence. Your car might also be seized by police and destroyed if they deem this necessary. Your case could also go to court, which means you could face:
- Between six and eight penalty points
- An unlimited fine
- Disqualification from driving
What is the maximum fine for driving without insurance?
The maximum fine a police officer can give you is £300. However, if your case is taken to court, you could face an unlimited fine.
How long do IN10 penalty points stay on your licence?
Insurance offences, including the IN10 conviction, have to stay on your licence for four years from the date of the offence. If you’re banned from driving, your points are removed when you complete the ban.
Does comprehensive insurance cover you to drive other vehicles?
Each insurance policy is different. Whilst one insurance policy may cover you to drive other vehicles on a third party basis, another may not include this benefit. Comprehensive cover does not automatically allow you to drive other vehicles. It’s always best to check your policy or check with your insurance provider before you drive another car.
As mentioned above, this is actually one of the reasons some people end up getting an IN10 conviction, as they believe their comprehensive cover will protect them regardless of the car they drive. Along with failure to renew your insurance and not declaring modifications, this is among the most common accidental policy infringements that will invalidate your policy and put you at risk of getting an IN10 conviction.
At Adrian Flux, whilst some of our comprehensive insurance policies offer third party cover for driving other vehicles, our drive any car add-on allows you to boost this to include damage to the vehicle you’re driving, just like comprehensive cover.
IN10 car insurance
Whilst high-street insurers will often raise your premiums dramatically or even refuse to provide insurance for banned drivers altogether, a specialist insurance broker like Adrian Flux can help you where others cannot.
We’re a specialist broker, which means that we’re able to find cover where others cannot. This includes convicted car insurance for IN10 convictions. And we do all this while finding you affordable cover too.
If you were caught driving a vehicle uninsured and you’re struggling to find cover, speak to a knowledgeable member of staff by calling us on . Alternatively, fill out our callback form and we’ll call you back at a time that suits you.
Extra Benefits
Agreed Value
Agreed Value Car Insurance
Owning a car that you really care about makes it all the more important to get proper compensation should you need to make an insurance claim. Our agreed value car insurance is a great way of tailoring your insurance to you.
A wide range of vehicles, from classics and performance cars to modified cars and imports, would benefit from guaranteed value car insurance. Phone us now to see if your car is one of them.
Company Car NCB
Company Car No Claims Bonus
Many insurers are unwilling to accept bonuses earned in company cars on private car policies, which can leave drivers unfairly paying over the odds for insurance, despite their many years of claim-free driving.
At Adrian Flux, we work with insurance companies that accept company car no claims bonus to help you get a fair deal on your private car insurance.
Once we receive confirmation from your employer or ex-employer of how many years company car insurance no claims bonus you earned, we can apply an equivalent discount to the insurance quote for your own car.
Excess Protect
Excess Protect
Even though having the right insurance can save you money when you need to claim, your policy excess could still run into hundreds of pounds.
Our excess protect policies will pay your excess for you, up to an annual limit, if you need to make a claim on your policy – saving you money.
The amount of excess you have to pay depends on your policy and can be found on your policy documents. If you opted for a voluntary excess this is an extra amount on top of your compulsory excess, which can bring your premiums down, but is payable on top of your compulsory excess when you make a claim.
We offer excess protect cover at different levels to suit your policy. Speak to a member of our team to find out more and to add it to your policy.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Keycare
Keycare Insurance
If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.
For just a year, our five-star Keycare insurance policy will cover locksmith expenses, replacement locks and keys, car immobiliser replacement costs, car hire costs, and transport costs if you’re stranded, up to a value of £1,500.
We’ll pay out if your keys are stolen, locked inside your home or vehicle, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.
For more information and to add Keycare to your policy, speak to a member of our team today.
Misfuel
Misfuelling Insurance Cover
A staggering 400 people every day put the wrong fuel in their car – that’s 150,000 people every year!
The damage caused by filling your car or van up with the wrong fuel can be catastrophic, and lead to hundreds, if not thousands, of pounds worth of repairs being carried out.
With misfuel cover, as long as you’ve realised your error before driving away we’ll cover draining the fuel from your car, tow you to a garage if we can’t help at the pump, and provide £10 of fuel to get you on your way again.
Public Liability
Public Liability Car Insurance
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Spare Parts
Spare Car Parts Insurance
Whether you own spares for your kit car or are in the process of modifying your day-to-day motor, are collecting parts for a future mod or have just got a few old spares lying around, your standard insurance policies could be leaving your vehicle spare parts dangerously unprotected.
Sadly, most household insurance policies exclude cars and their unattached parts, and even those that do offer cover could end up costing you dearly with high excesses and the premium rises after a claim.
But, with Adrian Flux’s Spare Parts Insurance, you can get cover for storing thousands of pounds worth of spares at home or in your car from as little as .
