IN10: Driving Offence Guide

What is an IN10 Driving Offence?

An “IN10” is a driving offence code. It is, specifically in the context of penalty points on a driving license. IN10 is associated with “Using a vehicle uninsured against third-party risks.” It means that the driver has been caught operating a vehicle without proper insurance coverage.

When a driver is convicted of driving without insurance, they can receive penalty points on their driving license. Accumulating too many points may result in fines, license suspension, or other penalties. It’s crucial for drivers to maintain valid insurance coverage to comply with legal requirements and ensure road safety.

Is an IN10 a disqualification?

An IN10 conviction itself does not automatically result in a driving disqualification. An IN10 relates to a conviction for using a vehicle uninsured against third-party risks, commonly associated with driving without insurance. While it typically carries penalty points, which can lead to accumulation and potential disqualification, the conviction alone does not mandate a disqualification.

How much does IN10 increase insurance?

In contrast to various other driving offences like DR10, CU80, or DD40, an IN10 conviction entails a minimum of 6 penalty points instead of 3. Consequently, this implies that an IN10 conviction is likely to result in an increase of at least 25% in your insurance premium.

How many penalty points will I get for an IN10 conviction?

Receiving an IN10 conviction entails a fixed penalty fine, and 6-8 penalty points.

How long does IN10 Stay on record?

The record will stay on your license for four years. A police officer who apprehends you can impose a fixed fine of £300.

How Long Do In10 Points Stay On Licence?

The points on your license will remain for the same duration as they stay on your record, which is 4 years.

How to get insurance with IN10?

Getting insurance with an IN10 (conviction for driving without insurance) can be challenging, as having this conviction typically labels you as a high-risk driver. However, there are still options available:

  • Specialist Insurers: Some insurance companies specialise in providing coverage for high-risk drivers, including those with convictions such as IN10. While the premiums may be higher, these insurers are more likely to offer coverage.
  • Comparison Shopping: Use comparison websites to explore different insurance quotes. Some companies may be more lenient or have different criteria for high-risk drivers. Be sure to disclose your IN10 conviction when obtaining quotes to ensure accuracy.
  • Brokers: Insurance brokers can help you find coverage tailored to your specific situation. They have access to a range of insurance providers and may be able to identify options that suit your needs.
  • Advanced Driving Courses: Completing advanced driving courses can sometimes demonstrate to insurers that you are committed to improving your driving skills. This may, in turn, make you a more attractive candidate for coverage.
  • Clean Driving Record Over Time: As time passes and you maintain a clean driving record, insurance providers may be more willing to offer coverage at more reasonable rates.

It’s crucial to be honest and upfront about your IN10 conviction when seeking insurance quotes. Failure to disclose this information accurately could lead to the invalidation of your policy if the insurer discovers the omission. While obtaining insurance with an IN10 may be more expensive, it is essential for legal and financial protection while on the road.

Do I have to declare IN10?

Yes, you are required to declare it to insurance companies for a period of five years from the date of your conviction.

Can I appeal an IN10?

Yes, you have the right to appeal an IN10 conviction. If you believe that the conviction is unjust or if there are mitigating circumstances, you can submit an appeal to the court. It’s advisable to seek legal advice when considering an appeal to understand the specific procedures and requirements in your jurisdiction.

When appealing an IN10 conviction, you may need to provide evidence supporting your case, such as proof of insurance at the time of the alleged offence or any other relevant information that could challenge the conviction. It’s important to act promptly, as there are typically time limits for filing an appeal.

Consulting with a legal professional who specializes in traffic offences or motoring law can help you navigate the appeals process and improve your chances of a successful outcome.

How do I get out of IN10?

An IN10 conviction for driving without insurance is a legal matter, and getting out of it involves addressing the legal consequences. Here are steps you can consider:

Legal Advice: Consult with a solicitor or legal professional experienced in traffic offences. They can provide guidance on your specific situation, potential defences, and the best course of action.

Review the Conviction: Check the details of your IN10 conviction, including the evidence presented in court. If there are inaccuracies or if you believe the conviction is unjust, you may have grounds for an appeal.

Appeal Process: If you decide to appeal, follow the procedures outlined by the court. You may need to submit your appeal within a specified time frame and provide supporting evidence. Legal representation can be valuable during this process.

Insurance Compliance: If your IN10 conviction resulted from a lack of insurance, make sure you obtain proper coverage immediately. Having valid insurance may not overturn the conviction, but it’s crucial for legal compliance moving forward.

Driving Courses: In some cases, attending driving courses, especially those focused on responsible driving behaviour, may be taken into account during the legal proceedings. Consult with legal professionals to determine if this is a viable option in your situation.

Penalty Points and Disqualification: Depending on the severity of the offence, you may have received penalty points on your license or face disqualification. Comply with any penalties imposed by the court, and if applicable, explore options for reducing disqualification periods.

Remember that each case is unique, and legal advice specific to your circumstances is crucial. It’s recommended to consult with a solicitor who can assess the details of your IN10 conviction and provide personalised guidance on the best way to address the situation.

Can I get an IN10 removed?

If you’re questioning whether a solicitor can eliminate the IN10 endorsement from your driving record, unfortunately, the answer is no. No one has the authority to remove a driving endorsement. However, a solicitor can assist you in challenging a conviction or fixed penalty notice by presenting a valid defence in court.

Is IN10 A Criminal Conviction?

An IN10 is not typically considered a criminal conviction. Instead, it is a motoring offence related to driving without insurance.

When is IN10 spent?

The rehabilitation period for an IN10 is generally five years from the date of conviction. After this period, the conviction is considered “spent,” meaning you are not required to disclose it in most situations, such as when applying for jobs.

How IN10 Conviction Affects Your Criminal Record

Fortunately, operating a vehicle without insurance is not considered a criminal offence punishable by imprisonment. As a result, a conviction for this offence will not be recorded on a criminal record.

Can I get insured with IN10?

Having an IN10 endorsement on your license necessitates specialized insurance. The presence of points on your license, regardless of the reason, leads to higher insurance premiums. Insurers perceive you as a higher risk, prompting an increase in premiums.

Does IN10 Show on your DBS?

It is not a recorded offence and does not directly appear on a DBS check. However, an enhanced check may reveal it. Additionally, it might be disclosed in the “Other relevant information disclosed at the Chief Police Officer(s) discretion” section if deemed relevant by the Chief Police Officer(s).

Consequences of an IN10 Conviction

Driving Disqualification: In some cases, particularly if you already have penalty points on your license, an IN10 conviction can lead to a driving disqualification. The length of disqualification can vary, and it may be influenced by factors such as the severity of the offence and any previous convictions.

Impact on Employment: Depending on your job, a driving conviction may affect your employment, especially if driving is a requirement for your position. Employers may view a driving offence negatively, potentially affecting your current job or future job prospects.

Difficulty Obtaining Credit: A driving conviction can be considered by lenders when assessing your creditworthiness. It may affect your ability to obtain credit or loans, and if you do, the terms may be less favourable.

How do police know if you drive without insurance?

Police officers can determine if a driver is operating a vehicle without insurance through various means. Here are some common methods:

    1. Automatic Number Plate Recognition (ANPR) Systems:
      • Police vehicles and fixed cameras equipped with ANPR technology can automatically scan the license plates of passing vehicles.
      • The ANPR system checks the scanned plates against a database of insured and uninsured vehicles.
      • If the system flags a vehicle as uninsured, it alerts law enforcement officers, who can then take appropriate action.
    2. Database Checks:
      • Law enforcement agencies have access to databases containing information about insured vehicles.
      • Officers can use in-car computers or other communication devices to check a vehicle’s insurance status by entering its license plate number or registration details.
    3. Traffic Stops:
      • During routine traffic stops, officers may request proof of insurance along with other documents like a driver’s license and vehicle registration.
      • If a driver fails to provide valid insurance documentation, the officer may further investigate the insurance status through database checks.
    4. Insurance Certificates:
      • In some jurisdictions, drivers are required to carry a physical insurance certificate or an electronic proof of insurance.
      • Failure to present a valid insurance document upon request by law enforcement can lead to further investigation.
    5. Tip-offs and Reports:
      • Police may receive tips from the public regarding vehicles suspected of being uninsured.
      • Reports from witnesses or information obtained through various channels can prompt law enforcement to check the insurance status of a specific vehicle.
    6. Random Checks:
      • Some police operations involve random checks of vehicles for compliance with various regulations, including insurance requirements.
      • These checks may be conducted at checkpoints or through mobile patrols

What happens if you crash uninsured?

Whether or not they are involved in an accident, a driver without insurance is breaking the law. Driving without insurance puts you in danger and also having your car seized in addition to putting you financially at fault for any accidents and the claims that result from them.


Can you go to jail for driving without insurance UK?

In the United Kingdom, driving without insurance is a criminal offense, and it can result in serious consequences. While imprisonment is a potential penalty, it is more commonly associated with aggravated or repeat offences. The specific penalties for driving without insurance typically include fines, points on your driving license, and a driving disqualification.

  • Fine: You can receive a substantial fine, and the amount can vary depending on the circumstances.
  • Penalty Points: You may receive 6 to 8 penalty points on your driving license.
  • Driving Disqualification: In some cases, the court may impose a driving disqualification.
  • Vehicle Seizure: The police have the authority to seize and, in certain cases, sell a vehicle being driven without insurance.

While imprisonment is less common, it may be imposed for more severe cases, especially if there are aggravating factors or if the offence is repeated.

Can I drive my car to MOT without tax and insurance?

In the United Kingdom, it is a legal requirement to have valid road tax (vehicle excise duty) and insurance in place before driving a car on public roads, regardless of the reason for the journey. This includes driving to an MOT (Ministry of Transport) test. Driving without tax and insurance is an offense and can result in penalties.

If you need to drive your car to an MOT test, you should ensure that:

Your car has valid road tax: Ensure that your vehicle’s road tax is up to date. You can check and renew your road tax through the DVLA (Driver and Vehicle Licensing Agency) website.

You have valid insurance: Make sure you have valid insurance coverage for your vehicle. Driving without insurance is illegal and can lead to severe consequences.

Your car is roadworthy: Ensure that your vehicle is in a roadworthy condition and safe to drive to the MOT test.

Driving without tax or insurance is a serious offense, and you could face fines, points on your driving license, and other penalties. It’s essential to comply with legal requirements to avoid legal consequences and ensure road safety.

If your vehicle is not roadworthy and you cannot drive it to the MOT test, you may consider arranging for it to be transported on a trailer or towed legally. Always check and adhere to current regulations and laws to stay compliant.

Will I go to court for driving without insurance?

Driving without insurance in the United Kingdom is a serious offence, and if you are caught, you may face legal consequences. In many cases, individuals caught driving without insurance are subject to a fixed penalty, which involves a fine and penalty points on your driving license. However, whether you go to court for driving without insurance can depend on the circumstances, and there are situations where a court appearance may be required.

Some factors that can influence whether you go to court for driving without insurance include:

Previous Offenses: If you have a history of driving without insurance or other traffic offences, a court appearance is more likely.

Aggravating Factors: If there are aggravating factors, such as being involved in an accident or driving with a revoked license, it may increase the likelihood of a court appearance.

Disputed Liability: If you dispute the charge or if there are complex legal issues involved, a court hearing may be necessary.

It’s important to note that laws and procedures can change, so the specific outcomes can vary. If you are charged with driving without insurance, you should seek legal advice to understand your options and potential consequences based on the current legal framework.


In conclusion, an IN10 conviction not only carries a financial penalty but also results in the accumulation of 6-8 penalty points on your driving license, which remains on record for a duration of four years. It is crucial to be aware of the serious consequences associated with driving without insurance and to prioritize compliance with legal requirements to maintain road safety and adhere to the law. Always exercise responsible and lawful driving practices to avoid the potential repercussions of an IN10 conviction. For more insights on driving offences, don’t miss our in-depth guide on Driving codes, TT99, DG10, and DR10.

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