Why Compare LC50 Car Insurance?
LC50 Is the Hardest LC Code to Insure
Driving after licence revocation on medical grounds is the most serious licence offence. Many mainstream insurers will not quote at all. Specialist brokers know which panels still accept LC50 cases. Clean Green Cars introduces you to these brokers so you can see what is available.
Your Medical Recovery Changes Everything
If the DVLA has restored your licence after your medical issue was resolved, your insurance position improves significantly. Specialist brokers can present your updated status to underwriters. Clean Green Cars connects you with brokers who understand how medical clearance affects pricing.
Prices Can Differ Dramatically
Because LC50 is high-risk, the gap between the highest and lowest quotes can be large. One insurer may quote double what another charges. Comparing through specialist brokers gives you the best chance of finding a competitive price.
Car Insurance With an LC50 Conviction At A Glance
- LC50 relates to driving after your licence was revoked or refused on medical grounds – the most serious LC endorsement code
- Carries 3 to 6 penalty points and stays on your licence for 4 years from the date of offence
- Many mainstream insurers will not quote for LC50, but specialist convicted driver brokers can usually find options
- If the DVLA has restored your licence after medical clearance, your insurance position could improve significantly
- Fill in the form above to compare quotes from specialist brokers who handle high-risk endorsement cases
What Is an LC50 Conviction?
LC50 is a statutory offence under section 94A of the Road Traffic Act 1988 – driving after your licence was revoked or refused on medical grounds. It is the most serious of the LC endorsement codes. Here’s how the law defines it:
- Who it applies to – Any driver who continues to drive, or starts driving again, after the DVLA has either refused to issue a licence or revoked an existing licence because of a medical condition. The DVLA had already determined you should not be driving.
- What counts as driving after medical refusal or revocation – Driving any motor vehicle on a public road once the DVLA has formally notified you that your licence is refused or revoked. It also covers driving before the DVLA has reinstated your licence following a period of medical revocation.
- How the duty arises – The moment the DVLA’s refusal or revocation takes effect. Driving in that window is also almost certain to invalidate your insurance, because no valid licence means no valid policy under the terms of most insurers.
| Penalty | Details |
|---|---|
| Penalty Points | An LC50 carries 3 to 6 penalty points. The court sets the exact number based on the severity of the medical condition and whether it was subsequently addressed. |
| Driving Ban | A driving ban for an LC50 is discretionary, but courts may be more inclined to ban than for other LC codes given the severity. The DVLA had already determined you should not be driving. |
| Maximum Fine | The maximum fine for an LC50 offence is unlimited (Level 5 on the standard scale, since March 2015). The actual amount depends on the circumstances. |
| Time on Licence | An LC50 stays on your driving licence for 4 years from the date of offence. Most insurers ask you to declare endorsements for up to 5 years. |
| Spent After | Under the Rehabilitation of Offenders Act 1974, a fine typically becomes spent after 1 year (or 6 months for under-18s). Once spent, you do not need to disclose it for most purposes, but insurers can still ask and you must answer honestly. |
LC50Can You Get Insurance With an LC50?
Yes, but the market is narrower than for a standard policy, and you’ll almost always need a specialist broker. Here’s what to know before you compare:
- Points and ban – 3 to 6 penalty points, with the court setting the exact number based on the severity of the medical condition and whether it was subsequently addressed. A discretionary ban is more likely for LC50 than for other LC codes, given the DVLA had already intervened.
- Time on your record – 4 years on the DVLA endorsement, and most insurers ask about convictions in the last 5 years.
- When it’s spent – A fine-only LC50 is spent 1 year after conviction under the Rehabilitation of Offenders Act 1974 (6 months for under-18s). Insurers can still ask about spent convictions, and you must answer honestly.
- Disclosure always matters – Non-disclosure can invalidate the policy and lead to a claim being declined. The most important factor insurers consider is whether the DVLA has since restored your licence.
- Treated as the most serious licence offence – Without a restored licence, finding cover is extremely difficult. Once a valid licence is back in place with medical clearance, specialist brokers can approach the limited number of insurers willing to consider LC50 cases.
Clean Green Cars introduces you to specialist brokers experienced with licence offences. If you need short-term cover while comparing, temporary car insurance with convictions may bridge the gap.
Who Needs LC50 Car Insurance?
Finding cover after a medical revocation endorsement is harder than for other LC codes. Here is who typically needs specialist LC50 insurance.
Appealing The DVLA Revocation
You believe the decision was wrong and you are fighting it. But the appeal process takes months, and in the meantime you had no choice but to drive. The system forced you into an impossible position.
Condition Improved But DVLA Has Not Reinstated
You are better. Your doctor agrees. But the DVLA moves slowly, and your licence remains revoked while paperwork sits in a queue. You drove because waiting felt unreasonable when the medical evidence supports you.
Drove In An Emergency Situation
Someone needed help and you were the only one who could get there. You knew you should not drive, but the alternative — doing nothing — was not something you could live with. The law does not recognise that choice.
Did Not Receive The Revocation Letter
The letter went to an old address, got lost in the post, or was buried in paperwork you did not open. You drove in genuine ignorance that your licence had been revoked at all.
Lost Employment Because You Cannot Drive
Your job required a licence and the revocation ended your career overnight. You drove to work because the alternative was losing everything — your income, your home, your ability to provide. Desperation, not defiance.
Worth Knowing: An LC50 does not mean you are uninsurable. Clean Green Cars introduces you to specialist brokers who handle the most complex endorsement cases and understand that desperation, not recklessness, is usually what drives an LC50.
What LC50 Car Insurance Covers
An LC50 on your licence does not change what your policy covers – it affects pricing and which insurers will consider your case. Here is what each level of cover could include.
Cover features depend on insurer terms, driver eligibility, and how the vehicle is used.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Damage to your vehicle | Yes | No | No |
| Fire and theft protection | Yes | Yes | No |
| Damage to other people's property | Yes | Yes | Yes |
| Injury to other people | Yes | Yes | Yes |
| Windscreen cover | Often included | Rarely | No |
| Courtesy car | Sometimes included | Rarely | No |
Cover Tip: Driving out of desperation while your licence was revoked and driving because you did not receive the DVLA letter both produce the same LC50 code. Specialist brokers can present your circumstances to panels that assess each case individually.
What LC50 Car Insurance May Not Cover
LC50 cases face stricter conditions than other LC codes. Here is what your insurance usually may not cover.
Standard Exclusions
- Undeclared Convictions - If you do not tell your insurer about your LC50 or any other endorsements, they could invalidate your policy entirely.
- Driving Without a Valid Licence - If your licence has not been restored by the DVLA and you drive, your insurance may not respond to any claim.
- Undeclared Medical Conditions - If the medical condition that led to your licence revocation is ongoing and not declared, your insurer may decline any claim.
- Wear and Tear - Gradual damage to your car, like worn tyres or rust, is not covered by any motor policy.
Important Limitations
- Higher Excess - Your insurer is likely to set a significantly higher compulsory excess for LC50 cases. Check your documents carefully.
- Named Driver Restrictions - Some policies may strictly limit who can drive your car after a medical revocation endorsement.
- Vehicle Value Cap - Insurers may cap the value of vehicle they will cover for LC50 cases.
- Restricted Cover Options - Some insurers may only offer third party cover for LC50 cases, especially in the first year after the endorsement.
Optional Add-Ons to Consider
Your standard policy covers the basics. These extras could be worth considering, though availability may vary for LC50 cases.
May help cover roadside assistance if your car breaks down, subject to policy limits and conditions.
May help cover your legal costs if you need to dispute fault after an accident, depending on your policy terms.
May help you recover losses from a non-fault crash, subject to policy limits and conditions.
May pay a set amount if you are hurt in a crash and cannot work, depending on your policy terms.
Keeps your no claims discount safe if you make a claim, subject to insurer acceptance criteria.
A black box tracks your driving to help rebuild trust with insurers after a medical revocation. Could help reduce your premium over time.
What Affects the Cost of Car Insurance with a LC50 Conviction?
LC50 typically carries the highest loading of any LC code. Here are the key factors that affect your price.
| Key Factor | Impact on Your Price |
|---|---|
| Reason for licence revocation | The medical condition that caused your revocation affects how insurers assess the ongoing risk. Resolved conditions are viewed more favourably. |
| Licence restoration status | If the DVLA has restored your licence with medical clearance, insurers are more likely to quote and at a lower loading. |
| Time since your LC50 | Your price could drop each year as the endorsement ages. Insurers may reduce the loading progressively. |
| Number of penalty points | An LC50 carries 3 to 6 points. Fewer points could mean a slightly lower premium. |
| Other endorsements | An LC50 on top of other motoring convictions could make finding affordable cover more difficult. |
| Your age | Younger drivers may face even higher loadings for LC50 endorsements. |
| Your car | Higher insurance group cars cost more to insure. Choosing a lower-group car could help offset the LC50 loading. |
| Where you live | Your postcode affects your base price before your LC50 loading is added. |
Price Insight: LC50 loadings are the highest in the LC category. But if your licence has been restored and you have medical clearance, the loading could reduce significantly at each renewal. Your recovery matters to specialist insurers.
Ways to Cut Your Car Insurance Cost
LC50 premiums are typically the highest in the LC category, but these steps could help manage your costs.
Compare Quotes From Specialists
The gap between quotes can be large for LC50. Get quotes above from brokers who handle high-risk cases - the difference could surprise you.
Get Your Licence Restored
If your licence has not been restored yet, work with your GP to provide the DVLA with evidence. A valid licence with medical clearance transforms your insurance options.
Build a Clean Record
Each endorsement-free, claim-free year shows insurers your LC50 is behind you. Clean years reduce the loading and widen your options.
Increase Your Voluntary Excess
A higher excess could cut your premium. Only offer what you could genuinely afford if you needed to claim.
Try Telematics Cover
A black box gives insurers evidence that you drive safely now. After an LC50, this data can be especially powerful at renewal.
Pay Annually
Monthly payments include interest. Paying upfront could reduce what you pay overall - especially valuable when your loading is already high.
Choose a Lower Group Car
Cars in lower groups cost less to insure. When offsetting an LC50 loading, every reduction helps.
Saving Tip: Needing to drive when your licence has been revoked puts you in an impossible position. Compare quotes above – specialist brokers who handle LC50 cases can find options that mainstream sites cannot.
How To Compare LC50 Car Insurance Quotes
Getting cover after an LC50 requires specialist brokers, but the process is straightforward. Here is how it works. Get started above when you are ready.
Enter Your Vehicle Details
Add your reg, make, model, and where you park.
Declare Your LC50
Enter the conviction code, date of offence, and the number of points. Mention that your licence has been restored if applicable.
Add Your Driving History
Include any other convictions, claims, and your no claims discount.
Choose Your Cover Level
Decide between Comprehensive, TPFT, or Third Party Only. Some insurers may only offer certain levels for LC50.
Compare Your Quotes
Specialist brokers send you quotes from panels that handle high-risk cases. Choose the one that fits.
What Our Expert Says
The DVLA took your licence, but they did not take away the condition that makes you feel perfectly fine behind the wheel. The frustration of being told you cannot drive when your own body tells you otherwise is maddening — especially when your job, your independence, and your daily life all depended on that licence.
LC50 covers driving after a licence has been revoked or refused on medical grounds. It is one of the more serious licence-related offences, carrying 3 to 6 points, an unlimited fine (Level 5 on the standard scale, since March 2015), and possible disqualification. Courts treat it seriously because the revocation itself was a safety decision, even if you disagree with it.
Specialist brokers handle LC50 with care because the circumstances are almost always sympathetic. They work with insurers who understand that driving after medical revocation is usually born from desperation, not defiance.
Co-founder of Clean Green Cars
Common LC50 Car Insurance Questions
What Is an LC50 Conviction?
LC50 is the DVLA code for driving after your licence was revoked or refused on medical grounds. It is the most serious endorsement in the LC category.
Is LC50 the Most Serious LC Code?
Yes. LC50 carries the highest insurance loading of any LC code because it means the DVLA had specifically revoked your right to drive on medical grounds.
How Many Points Does an LC50 Carry?
An LC50 carries 3 to 6 penalty points. The court decides based on the circumstances and severity of the medical condition.
How Long Does an LC50 Stay on Your Licence?
An LC50 stays on your licence for 4 years from the date of offence. Insurers may ask about it for up to 5 years.
Can I Get Insurance With an LC50?
Yes, but it is harder than other LC codes. Specialist brokers who handle high-risk cases can usually find options, especially if your licence has been restored.
Does Having My Licence Restored Help?
Yes. If the DVLA has restored your licence with medical clearance, this significantly improves your insurance position and could reduce your loading.
Can I Get Comprehensive Cover With an LC50?
Some insurers offer all cover levels for LC50, but others may limit options to third party only initially. Specialist brokers can advise what is available.
How Much More Will I Pay With an LC50?
LC50 typically carries the highest loading in the LC category. The exact amount varies by insurer, which is why comparing quotes from specialists is important.
What Happens After I Submit My Details?
Clean Green Cars introduces you to specialist brokers who handle high-risk endorsement cases. They contact you with quotes based on your details.
Will My LC50 Loading Reduce Over Time?
Yes. Your loading could reduce each year, especially if your licence is restored and you build a clean driving record.
Related Licence Conviction Codes
Looking for information about other conviction codes? Browse related offences below, or visit the main convicted driver insurance hub.
Search & compare quotes from UK LC50 Car Insurance Providers
Useful Resources
- GOV.UK – Reapply for a revoked licence – how to get your licence back after medical revocation
- GOV.UK – Health conditions and driving – which conditions affect your licence
- GOV.UK – Penalty points and endorsements – how the endorsement system works
- GOV.UK – View your driving licence information – check your current endorsements online
