Why Compare Licence Offence Insurance?
LC Codes Relate to Your Licence, Not Your Driving
Licence offences cover issues like driving without a valid licence or failing to update your address. Clean Green Cars introduces you to specialist brokers who know how insurers treat these administrative offences.
Not All Insurers Penalise LC Codes Equally
Some insurers treat a licence offence as seriously as a driving conviction. Others view it as an administrative matter. Clean Green Cars introduces you to brokers who know which insurers distinguish between the two.
Your Quote Could Vary Significantly
The gap between insurers for LC codes can be wide. In 2023, over 80,300 licence and insurance offences were recorded across England and Wales (as at December 2023). Clean Green Cars introduces you to brokers who compare across specialist panels.
Licence Offences At A Glance
- LC codes are administrative offences related to your driving licence, not your driving behaviour. Many insurers treat them less seriously than driving offences.
- In 2023, over 80,300 licence and insurance offences were recorded across England and Wales (as at December 2023). Comparing through convicted driver insurance specialists could help find competitive cover.
- All LC codes considered, from LC20 (driving not in accordance with a licence) to LC50 (driving after a licence has been revoked).
- Your premium could return to standard rates relatively quickly compared to more serious conviction types.
- One click, multiple specialist quotes. Click the green button above to compare.
Licence Offence Penalties
LC codes cover administrative licence offences. More serious licence issues, such as driving while disqualified, fall under separate BA codes. Here is what each LC code means and the penalty points it carries.
| Code | Offence | Points | Maximum Fine |
|---|---|---|---|
| LC20 | Driving otherwise than in accordance with a licence | 3-6 | Up to £1,000 |
| LC30 | Driving after making a false declaration about fitness when applying for a licence | 3-6 | Up to £1,000 |
| LC40 | Driving a vehicle having failed to notify a disability | 3-6 | Up to £1,000 |
| LC50 | Driving after a licence has been revoked or declined on medical grounds | 3-6 | Up to £1,000 |
Find Your Licence Offence Code
Each licence offence carries a specific code. Choose yours below for detailed insurance guidance.
LC20 - Driving Not in Accordance With a Licence
The most common licence offence. Covers driving outside the conditions of your licence, such as the wrong vehicle category.
Compare LC20 quotesLC30 - False Declaration on Licence Application
Making a false declaration about your fitness when applying for or renewing your driving licence.
Compare LC30 quotesLC40 - Failed to Notify a Disability
Driving a vehicle having failed to notify DVLA of a disability that may affect your ability to drive safely.
Compare LC40 quotesLC50 - Driving After Licence Revoked
Driving after your licence has been revoked or declined on medical grounds. One of the more serious LC codes.
Compare LC50 quotesWhat Our Expert Says
LC codes are often the easiest conviction type to insure. Because they are administrative offences rather than driving-behaviour offences, most insurers still offer cover. The premium loading is usually modest compared to drink driving or dangerous driving codes.
That said, not all insurers treat LC codes the same way. Some apply a flat loading for any conviction, while others distinguish between administrative and behavioural offences. Comparing at renewal could help ensure you are not overpaying.
Insurance Expert & Co-founder of Clean Green Cars
Common Licence Offence Insurance Questions
Can I Get Car Insurance With an LC Code on My Licence?
Yes. LC codes are administrative offences and most insurers still offer cover. Specialist brokers can compare across multiple providers to find a competitive price for your specific code.
How Many Points Do LC Codes Carry?
Most LC codes carry 3 to 6 penalty points. LC40 (failure to notify a disability) carries 3 to 6 points. The exact number depends on the circumstances and the court’s decision.
How Long Do LC Codes Stay on Your Licence?
LC codes stay on your licence for 4 years from the date of conviction. You must answer your insurer’s questions truthfully, which usually means declaring your licence offence whenever they ask about motoring convictions during that period.
Are LC Codes Considered Serious by Insurers?
Generally, LC codes are treated as less serious than driving offences. However, some insurers apply the same loading for any conviction, which is why comparing is important.
Will My Premium Go Down After an LC Conviction?
Your premium should return to more normal levels as the conviction ages. Most insurers reduce the loading each year, and once the points are removed from your licence, the impact may be minimal.
What Happens After I Submit My Details?
After you fill in the form, Clean Green Cars introduces you to specialist brokers who cover convicted drivers. They contact you with quotes based on your details and conviction. You are under no obligation to accept any quote.
How Licence Offences Affect Your Insurance
LC codes are administrative in nature. They relate to the status of your licence rather than how you drive. Most insurers view them as lower risk than driving offences like speeding or drink driving. However, the impact varies between providers.
Because these are generally considered minor offences, many mainstream insurers still offer cover. Comparing through specialist brokers is still important. The price difference between insurers can be significant, even for administrative convictions. Telematics car insurance could help build a positive driving record and potentially reduce your premium loading.
If you need cover quickly while comparing annual policies, temporary car insurance for convicted drivers could provide short-term cover without long-term commitment.
Riders with LC endorsements can also compare convicted driver motorbike insurance through specialist brokers. LC codes are separate from construction and use offences, which relate to vehicle condition rather than licence status.
Search & compare quotes from UK Licence Offences Car Insurance Providers
Useful Resources
- GOV.UK – Penalty Points – Find out when your points expire and how the totting-up system works.
- DVLA – Check Your Licence – View your current points and convictions online.
- GOV.UK – Driving Disqualifications – Official guidance on when you could be disqualified from driving and how to get your licence back.
- GOV.UK – Medical Conditions and Driving – Official guidance on which medical conditions you must report to the DVLA and how they affect your licence.
