Why Compare MS60 Car Insurance?
Catch-All Codes Confuse Some Insurers
MS60 relates to offences that do not fit standard categories. Some insurers price it cautiously because the code gives them little context. Specialist brokers explain the circumstances and find insurers who assess it fairly.
The Underlying Offence Matters
Because MS60 is a miscellaneous code, the impact on your premium varies widely. Brokers who understand catch-all endorsements match you with insurers who look at the specific facts rather than just the code.
Compare Before You Overpay
If your MS60 relates to a relatively minor offence, you could be paying too much with an insurer who treats all convictions the same. Clean Green Cars introduces you to specialist brokers who differentiate between serious and minor endorsements.
MS60 Car Insurance At A Glance
- MS60 is a catch-all endorsement code for offences not covered by other specific codes. It covers a range of miscellaneous motoring offences.
- The penalty is 3 points on your licence and a fine that varies depending on the specific offence. The endorsement stays on your licence for 4 years from date of offence.
- MS60 is used when a motoring offence does not fit neatly into any other endorsement code category (GOV.UK, as at March 2026).
- Click the green button above to compare MS60 quotes from specialist brokers.
What Is an MS60 Conviction?
MS60 is a catch-all DVLA endorsement code – covering motoring offences that do not fit any other specific code. Here’s how the law defines it:
- Who it applies to – Any driver convicted of a motoring offence that attracts an endorsement but falls outside the defined codes for speeding, construction and use, traffic signals or other specific categories.
- What counts as an MS60 offence – A wide range of miscellaneous motoring offences that a court chooses to record under the catch-all code rather than a specific one, because the underlying offence does not map to any existing DVLA code.
- How the duty arises – Automatically on conviction, when the court decides the offence merits an endorsement but does not fall within any of the more specific DVLA code categories.
| Penalty | Details |
|---|---|
| Penalty Points | 3 |
| Driving Ban | Discretionary |
| Maximum Fine | Varies depending on the specific offence |
| 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 |
MS60Can You Get Insurance With an MS60?
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 depending on the underlying offence.
- 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 – Depends on the sentence under the Rehabilitation of Offenders Act 1974 – typically 1 year from conviction for a fine.
- Disclosure still matters – Non-disclosure can invalidate the policy. Insurers often ask follow-up questions about MS60 because the code itself does not describe the offence.
- Case-by-case treatment – Because MS60 is a catch-all, insurers may ask for more detail and treat each case individually. A broker who can explain the circumstances may help you find competitive cover.
Clean Green Cars introduces you to specialist brokers experienced with miscellaneous motoring convictions including catch-all codes like MS60. If you need short-term cover while comparing, temporary car insurance with convictions may bridge the gap.
Who Needs MS60 Car Insurance?
An MS60 can cover a range of offences. Here is who typically benefits from comparing MS60 car insurance quotes through specialist brokers, including new drivers with additional points.
Your Offence Does Not Fit Any Other Category
You have read through every MS code and none of them match what happened. That is exactly what MS60 is for - and that ambiguity makes it harder to explain to insurers, employers, and even yourself.
Historic Charge That Was Recently Endorsed
The offence happened a while ago but the endorsement only appeared on your licence recently. You had moved on mentally, and now you are dealing with insurance consequences for something that feels like ancient history.
Minor Technical Breach You Barely Understand
The offence involved a regulation you had never heard of. You are not even sure what you did wrong, and the paperwork does not make it clearer. Being convicted of something you cannot explain to your own family is a strange kind of stress.
Caught By Automated Enforcement
A camera or sensor flagged something. You were not stopped by a person, nobody explained what happened at the time, and the first you knew was a letter. The impersonal nature of automated enforcement adds to the frustration.
First Offence And Completely Confused By The Code
This is your first ever conviction. You expected the process to be clear, but MS60 tells you almost nothing. You are navigating insurance declarations, premium increases, and legal terminology for the first time - all for a code that does not even describe what you did.
What MS60 Car Insurance Covers
An MS60 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. The impact depends on the points imposed and the nature of the underlying offence. If you drive a van, see convicted driver van insurance.
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: The vagueness of an MS60 code works against you with some insurers and in your favour with others. Comparing all three cover levels through specialists could reveal options you would not expect.
What MS60 Car Insurance May Not Cover
A single exclusion could mean your whole claim gets declined. Here is what MS60 car insurance usually does not cover.
Standard Exclusions
- Undeclared Convictions - If you do not tell your insurer about your MS60 or any other endorsements on your licence, 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 your MS60.
- Repeating the Offence - If you commit the same type of offence again while insured, your insurer could decline a claim arising from it.
- 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 may set a higher compulsory excess because of your MS60. Check your policy documents before you agree.
- Named Driver Restrictions - Some policies may limit who else can drive your car after a conviction.
- Vehicle Value Cap - Some convicted driver policies may cap the value of car they will insure.
- Mileage Limits - Some specialist policies may impose annual mileage caps as a condition of cover.
Optional Extras Worth Adding
Your standard policy is designed to cover the basics. These extras fill gaps that could matter after a miscellaneous motoring conviction.
May help cover roadside assistance if your car breaks down away from home, 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.
May be needed if you have built up years of no claims and want to keep your discount safe after a claim, subject to insurer acceptance criteria.
May help cover the cost of replacing your keys if they are lost or stolen, subject to policy limits and conditions.
What Affects the Cost of Car Insurance with a MS60 Conviction?
Your quote depends on the number of points on your licence, the nature of the underlying offence, and your overall driving history. Here are the key factors that could affect your price.
| Key Factor | Impact on Your Price |
|---|---|
| Points from MS60 | The number of points imposed directly affects your loading. More points usually means a higher premium increase. |
| Nature of the offence | Because MS60 is a catch-all, insurers may ask about the specific circumstances. Some underlying offences may be viewed more seriously than others. |
| Time since your MS60 | Your price could drop each year as the conviction ages. An MS60 from 3 years ago may cost less to insure than a recent one. |
| Other convictions | An MS60 on top of other motoring convictions could push your price up. If your total nears 12 points, a totting-up ban becomes a risk. |
| Your age | Younger drivers often pay more after a conviction. If you are under 25, the increase could be bigger. |
| Your car | Higher insurance group cars cost more to insure, with or without convictions. |
| Where you live | Your postcode affects your base price before any conviction loading is added. |
| Claims history | A clean claims record could offset some of your MS60 loading. |
Price Insight: Because MS60 is undefined, some insurers default to a generic loading. Specialist brokers could find providers who look at the actual severity rather than applying a worst-case rate.
Ways to Cut Your Car Insurance Cost
An MS60 could add a loading to your premium, but there are steps you could take to keep the cost down. A telematics policy could help rebuild your driving record. Here are some ways to cut what you pay.
Compare at Every Renewal
Your MS60 loading could reduce each year, but your insurer may not adjust automatically. With a catch-all code, comparing is especially important because pricing varies widely. Get quotes above.
Explain the Circumstances
MS60 relates to a wide range of offences. When speaking to a broker, explain exactly what happened. A minor underlying offence could attract a much lower loading than the generic rate.
Build a Clean Record
Each conviction-free, claim-free year after your MS60 could help reduce the loading at renewal. Time is your strongest ally.
Increase Your Voluntary Excess
A higher excess could cut your premium. Make sure it is an amount you could afford if you needed to claim.
Pay Annually If You Can
Monthly payments include interest charges. Paying upfront could reduce the total cost, especially on a loaded premium.
Choose a Lower Insurance Group Car
If you are changing vehicles, check the insurance group first. A lower group could mean a lower premium even with a conviction loading.
Park Off the Street
Off-street parking is lower risk. If you have a driveway or garage, make sure your insurer knows about it.
Saving Tip: A catch-all code does not mean a catch-all price. Specialist brokers know which insurers look at the actual offence behind your MS60, not just the code. Compare above.
How To Compare MS60 Car Insurance Quotes
Getting quotes after an MS60 does not take long. Clean Green Cars connects you with brokers who cover convicted driver insurance every day. Get started above when you are ready.
Enter Your Vehicle Details
Start at the top of this page. Add your registration, make, model, and where you park overnight.
Declare Your MS60
Enter the conviction code, date of conviction, and the number of points. Be honest about any other endorsements too.
Add Your Driving History
Include any other convictions, past claims, and your no claims discount.
Choose Your Cover Level
Decide between comprehensive, TPFT, or third party only.
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
An MS60 is frustrating in a way that other codes are not. With most endorsements, you at least know what you did. MS60 is the catch-all - the code they use when your offence does not fit neatly into any other category. That vagueness can feel unsettling, as though you have been convicted of something nobody can properly explain.
MS60 covers offences not covered by other MS codes. The penalty is typically 3 points and a fine, though this varies depending on the specific circumstances. The endorsement stays on your licence for 4 years from the date of the offence.
Because MS60 can mean almost anything, insurers sometimes treat it with suspicion they would not apply to a more specific code. Specialist brokers know how to present the actual circumstances behind an MS60 so that underwriters can assess it fairly rather than assuming the worst.
Co-founder of Clean Green Cars
Common MS60 Car Insurance Questions
How Long Does an MS60 Stay on Your Licence?
Four years from the date of offence. Most insurers ask about the last 5 years.
What Does MS60 Mean on a Driving Licence?
It is a catch-all code for motoring offences that do not fit into any other specific endorsement category.
How Many Points Is an MS60?
The points vary depending on the specific offence. The court decides based on the circumstances.
Why Is My Offence Coded as MS60?
The DVLA endorsement system has specific codes for common offences. If yours did not fit any of them, the court used MS60 as the catch-all.
How Much Does MS60 Increase Insurance?
It varies widely. Some insurers apply a generic loading without checking the underlying offence. Comparing could reveal which providers price on detail.
Is MS60 a Criminal Conviction?
Yes. Like all motoring endorsements, MS60 is technically a criminal conviction, though it may not appear on a standard DBS check.
Can I Get Comprehensive Cover With MS60?
Usually yes. With a minor underlying offence, most cover levels should still be available.
Do I Need Specialist Insurance for MS60?
Not always, but specialist brokers could help if your insurer has applied a blanket loading without considering the actual offence.
Can I Appeal an MS60?
You may be able to appeal the underlying conviction. Seek legal advice within 21 days of a court conviction.
What Happens After I Submit My Details?
A specialist broker contacts you directly with quotes. There is no obligation to buy.
Related Conviction Codes
Looking for information about other conviction codes? Browse related offences below, or visit the Miscellaneous Offences hub for the full list.
Leaving a vehicle in a dangerous position
Compare MS10 quotesUnlawful pillion riding
Compare MS20 quotesMotor racing on the highway
Compare MS50 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 MS60 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 – Penalty Points, Fines and Bans – Overview of the penalty system for motoring offences.
