Why Compare MS10 Car Insurance?
Some Insurers May Load Your Premium
Even though MS10 carries only 3 points, some providers add a loading or ask extra questions at renewal. Clean Green Cars introduces you to specialist brokers who know which insurers treat a dangerous position conviction as low risk.
Every Insurer Assesses MS10 Differently
One provider could load your premium while another barely changes your price. Clean Green Cars connects you with brokers who understand which providers are most reasonable for minor endorsements like MS10.
Your Loading Could Reduce Each Year
As the MS10 ages on your record, the impact on your premium could ease. Specialist brokers understand this and may find you a more competitive price at each renewal.
MS10 Car Insurance At A Glance
- MS10 means leaving a vehicle in a dangerous position, contrary to Section 22 of the Road Traffic Act 1988.
- The penalty is 3 points on your licence and a fine of up to £1,000. The endorsement stays on your licence for 4 years from the date of offence.
- With just 3 points, most mainstream insurers may still quote you, though some could add a loading to your premium.
- Fill in the form above to compare MS10 quotes from specialist brokers.
What Is an MS10 Conviction?
MS10 is a statutory offence under Section 22 of the Road Traffic Act 1988 – leaving a vehicle in a dangerous position on a road. Here’s how the law defines it:
- Who it applies to – Any driver or person in charge of a motor vehicle who causes or permits the vehicle, or a trailer drawn by it, to be on a road in such a position, condition or circumstances as to involve a danger of injury to other road users.
- What counts as a dangerous position – Parking on a blind bend, stopping on the brow of a hill, obstructing a junction or pedestrian crossing, blocking a cycle lane, or abandoning a vehicle in live traffic lanes where other road users may not see it in time.
- How the duty arises – The moment the vehicle is placed on a road. Intent is not required – the test is whether a reasonable person would foresee a danger to other road users from where the vehicle has been left.
| Penalty | Details |
|---|---|
| Penalty Points | 3 |
| Driving Ban | Discretionary (obligatory in some circumstances) |
| Maximum Fine | Up to £1,000 |
| Time on Licence | 4 years on licence from date of offence |
| Spent After | 1 year after conviction for a fine under the Rehabilitation of Offenders Act 1974; longer if a custodial sentence is imposed |
MS10Can You Get Insurance With an MS10?
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 penalty points are added to your licence, with a discretionary driving ban possible depending on the circumstances and any other offences on your record.
- 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 MS10 is spent 1 year after conviction under the Rehabilitation of Offenders Act 1974, with longer periods if a different sentence is imposed.
- Disclosure still matters – Non-disclosure can invalidate the policy and lead to a claim being declined, even though MS10 is a minor 3-point endorsement.
- Treated as a minor endorsement – Many insurers apply a modest loading rather than declining, particularly for a first-time MS10 on an otherwise clean licence.
Clean Green Cars introduces you to specialist brokers experienced with miscellaneous motoring convictions. If you need short-term cover while comparing, temporary car insurance with convictions may bridge the gap.
Who Needs MS10 Car Insurance?
An MS10 is a relatively minor endorsement, but some insurers may still add a loading. Here is who typically needs to compare MS10 car insurance quotes.
Broke Down On A Bend And Had No Choice
Your car stopped where it stopped. There was no hard shoulder, no layby, and the bend meant other drivers could not see you in time. The conviction feels like punishment for bad luck, not bad driving.
Quick Shop Stop In A Spot That Turned Out To Be Dangerous
You nipped into a shop, left the car where you could see it, and came back to a ticket or a police notice. What felt like a harmless two-minute stop became an endorsement on your record.
Parked To Make A Delivery And Blocked Visibility
You pulled up to drop something off or load the car. The location blocked a sightline you did not notice, and a passing officer did. Now a routine errand sits on your licence.
Hazard Lights On But Still Prosecuted
You put your hazards on, thinking that made it safe. It did not change the legal position. The frustration of doing what you thought was right and still being convicted runs deep.
Rural Road With Nowhere Else To Stop
There was no verge, no layby, no pull-in for miles. You stopped where you could, and it was not safe enough. In the countryside, the lack of alternatives makes MS10 feel especially unjust.
Worth Knowing: Clean Green Cars introduces you to brokers who cover drivers with MS10 endorsements. You fill in one form and get matched with specialists.
What MS10 Car Insurance Covers
An MS10 on your licence does not change what your policy is designed to cover. It changes how much you pay and which insurers will quote you.
Here is what each level of cover could include. Please note that policy features, benefits, terms and conditions vary among insurers, so always check the policy wording.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Damage to your own 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: With only 3 points from an MS10, all three cover levels should still be available to you. Comprehensive could sometimes cost less than third party only – always compare all three.
What MS10 Car Insurance May Not Cover
A single exclusion could mean your whole claim gets declined. Here is what MS10 car insurance usually does not cover.
Standard Exclusions
- Undeclared Convictions - If you do not tell your insurer about your MS10 or any related convictions, they could invalidate your policy and may decline all claims.
- Driving Under the Influence - If you cause an accident while impaired by drink or drugs, your insurer could decline your claim regardless of any other conviction on your record.
- Undeclared Vehicle Use - If your policy covers social use but you are driving for business, your insurer could decline a claim for using the vehicle outside your policy terms.
- Racing or Track Use - Standard policies do not cover racing, track days, or competitive events.
Important Limitations
- Higher Compulsory Excess - Some insurers apply a higher compulsory excess for convicted drivers, which means you pay more before a claim is settled.
- Mileage Restrictions - Your policy may limit your annual mileage. Exceeding it could affect whether a claim is paid in full.
- Vehicle Value Cap - Some convicted driver policies may cap the maximum value of vehicle they will insure.
- Named Driver Restrictions - Some policies may limit who else can drive your car after a conviction of this nature.
Cover Extras to Consider
Your standard policy is designed to cover the basics. These extras fill gaps that could matter after a dangerous position conviction.
May help cover roadside assistance if your car breaks down away from home. Useful if you rely on your car daily and cannot afford to wait for recovery, 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 cover the cost of replacing your keys if they are lost or stolen, subject to policy limits and conditions.
May be needed if you have built up years of no claims and want to keep your discount safe after a claim. Not every insurer offers this to convicted drivers, subject to insurer acceptance criteria.
May pay a set amount if you are hurt in a crash and cannot work, depending on your policy terms.
May be needed if you want to prove safe driving habits after your conviction. A black box tracks your speed, braking, and mileage, which could help reduce your renewal price over time.
What Affects the Cost of Car Insurance with a MS10 Conviction?
Your quote depends on your endorsement points, your overall driving history, and how recently the MS10 was issued. These factors affect what you pay.
| Key Factor | Impact on Your Price |
|---|---|
| Your MS10 conviction | MS10 carries just 3 points with no driving ban. This is at the lower end of the endorsement scale, and many mainstream insurers may apply only a modest loading to your premium. |
| Time since conviction | Your price could drop each year as the MS10 ages. A conviction from several years ago may cost less to insure than a recent one. |
| Other convictions on your licence | A MS10 on top of other motoring convictions could push your price up sharply. Several endorsements together may reduce the number of insurers willing to quote. |
| No claims discount | A long no claims history could help offset some of your MS10 loading. Protecting your discount may be worth considering. |
| Your vehicle (group, age, value) | Higher insurance group cars cost more to insure, with or without convictions. Choosing a lower group car could help reduce your overall price. |
| Annual mileage | Lower mileage usually means lower risk. If you drive less than the average, make sure your estimate is accurate to avoid overpaying. |
| Cover level | Comprehensive cover could cost less than third party only for some convicted drivers. Always compare all three levels to see which gives you the best price. |
| Where you live | Your postcode affects your base price before any conviction loading is added. |
Price Insight: It might feel unfair that a parking-related offence affects your premium at all. The good news is that MS10 is one of the lowest-impact endorsement codes, and the loading should reduce each year.
Ways to Cut Your Car Insurance Cost
An MS10 may add a modest loading to your premium. Here are some practical steps that could help manage what you pay.
Compare at Every Renewal
Your MS10 loading could shrink each year, but your insurer may not pass that saving on automatically. A parking conviction should not define your premium forever. Get quotes above.
Consider a Telematics Policy
A black box gives your insurer evidence that you drive carefully. After a minor endorsement like MS10, the data could help demonstrate you are a low-risk driver.
Choose a Lower Insurance Group Car
If you are changing cars, check the insurance group first. Lower groups cost less to insure, and the saving matters more when your premium has a conviction loading.
Increase Your Voluntary Excess
A higher excess could cut your premium. Just make sure the amount is something you could afford if you needed to claim.
Pay Annually If You Can
Monthly payments include interest charges. On a conviction-loaded premium, paying upfront could save you more than usual.
Add an Experienced Named Driver
Adding a more experienced driver with a clean licence could help balance how insurers assess your application. This could help younger drivers especially.
Park Off the Street
A driveway or garage is lower risk than on-street parking. If you have off-street parking, make sure your insurer knows - it could reduce your premium.
Saving Tip: A parking-related conviction should not define your insurance costs for years. Specialist brokers know which insurers treat an MS10 as the minor code it is. Compare above.
How to Compare MS10 Car Insurance Quotes
Getting quotes after an MS10 does not take long. Here is how it works. Get started above when you are ready.
Enter Your Vehicle Details
Add your registration, make, model, and where you park overnight.
Add Your Personal Details
Enter your name, address, date of birth, and occupation.
Declare Your MS10
Select the MS10 conviction code, enter the date of offence, and the number of points. Declare any other endorsements on your licence too.
Complete Your Driving Record
Choose your cover level, add your no claims discount, and confirm any previous claims.
Review Your Quotes
Specialist brokers send you quotes based on your details. Compare prices and cover levels, then pick the one that fits.
What Our Expert Says
You left your car for five minutes. Maybe you pulled over on a bend to check your phone, or stopped outside a shop where there was nowhere else to park. It felt like nothing - and now there are points on your licence and your premium has jumped. That gap between what happened and what it cost you is hard to sit with.
MS10 covers leaving a vehicle in a dangerous position under Section 22 of the Road Traffic Act 1988. It carries 3 penalty points and a fine of up to £1,000, with the endorsement sitting on your licence for 4 years from the date of the offence. There is no obligatory ban, and disqualification is only discretionary.
Three points for a parking decision feels harsh, and most specialist brokers agree. They handle MS10 regularly and know which insurers treat it as the minor endorsement it is - rather than lumping it in with more serious codes.
Co-founder of Clean Green Cars
Common MS10 Car Insurance Questions
How Long Does an MS10 Stay on Your Licence?
Four years from the date of offence. Most insurers ask about the last 5 years, so you may need to declare it a little longer.
How Many Points Is an MS10?
Three points. This is at the lower end for motoring endorsements.
What Counts as a Dangerous Position?
Leaving your vehicle where it could create a hazard – a blind bend, near a junction, or on a fast road where it obstructs traffic flow.
Is MS10 a Criminal Conviction?
Technically yes, but an MS10 dealt with by fixed penalty is unlikely to appear on a standard criminal record check.
How Much Does an MS10 Increase Car Insurance?
There is no fixed amount. With only 3 points, many providers apply a modest loading. The increase depends on your insurer, driving history, and vehicle.
Can You Get a Fixed Penalty for MS10?
Yes. Most MS10 offences are dealt with by a fixed penalty of £100 and 3 points. More serious cases could go to court.
Is MS10 the Same as a Parking Ticket?
No. A parking ticket is a civil penalty. An MS10 is a criminal endorsement for leaving a vehicle where it could endanger other road users.
Can You Appeal an MS10?
You may be able to challenge it. For a fixed penalty, you can request a court hearing. For a court conviction, you may appeal within 21 days.
Do I Need Specialist Insurance for an MS10?
Not always. With 3 points, most mainstream insurers still quote. But comparing through specialists could help if your renewal has jumped.
What Happens After I Submit My Details?
A specialist broker contacts you directly with quotes. There is no obligation to buy.
Related MS Conviction Codes
MS10 sits within the miscellaneous offences family. Each code relates to a different type of offence.
Unlawful pillion riding
Compare MS20 quotesMotor racing on the highway
Compare MS50 quotesOffences not covered by other codes
Compare MS60 quotesDriving with uncorrected defective eyesight
Compare MS70 quotesRefusing to submit to an eyesight test
Compare MS80 quotesFailure to give information as to identity of driver etc.
Compare MS90 quotesSearch & compare quotes from UK MS10 Car Insurance Providers
Useful Resources
- GOV.UK – Penalty Points and Endorsements – How the penalty points system works, including endorsement codes and expiry dates.
- GOV.UK – View Your Driving Licence – Check your licence online to see your current points and convictions.
- GOV.UK – Parking Rules – Rules about where you can and cannot park, and Highway Code guidance on safe positioning.
