Why Compare PC10 Car Insurance?
A PC10 Could Still Affect Your Premium
Even a minor traffic conviction like PC10 could lead to a premium increase. Every insurer calculates risk differently, so the loading you face may vary widely. Clean Green Cars introduces you to specialist brokers who know which providers treat pedestrian crossing convictions more favourably.
Not All Insurers Accept Every Conviction
Some standard insurers may decline to quote after any endorsement. Specialist brokers work with panels of providers experienced in covering convicted drivers. Clean Green Cars connects you with these brokers so you could access quotes you might not find elsewhere.
One Form Reaches Multiple Brokers
Rather than contacting brokers individually, you fill in one form. Clean Green Cars introduces you to brokers who compete for your business, which could mean more competitive pricing for your PC10 conviction.
Car Insurance With a PC10 Conviction At A Glance
- A catch-all code that can feel confusing – PC10 covers undefined contraventions of pedestrian crossing regulations and carries 3 penalty points, but many drivers are unsure exactly what they did wrong.
- Your endorsement has a clear end date – the PC10 stays on your licence for 4 years from the date of the offence, and your premium loading could reduce at each renewal as it ages.
- Specialist brokers handle these every day – they work with insurers who treat pedestrian crossing offences as the minor endorsements they are, so your options may be broader than you expect.
- Compare PC10 car insurance quotes through specialist brokers using the form above.
What Is a PC10 Conviction?
PC10 is a statutory offence under Section 25(5) of the Road Traffic Regulation Act 1984 – undefined contravention of pedestrian crossing regulations. Here’s how the law defines it:
- Who it applies to – Any driver of a motor vehicle convicted of breaching the Zebra, Pelican and Puffin Pedestrian Crossings Regulations where the offence does not fit the more specific PC20 (moving vehicle) or PC30 (stationary vehicle) codes.
- What counts as a contravention – A breach of the rules governing behaviour at pedestrian crossings, including failing to give priority to pedestrians, stopping in the controlled area or approaching an active crossing without due care, where the court records the offence under the catch-all code.
- How the duty arises – Every time a driver approaches or passes a controlled pedestrian crossing. The regulations are strict liability in many circumstances – the driver is responsible for behaving lawfully at the crossing.
| Penalty | Details |
|---|---|
| Penalty Points | 3 |
| Driving Ban | Discretionary |
| Maximum Fine | Up to £1,000 |
| Prison | No |
| Time on Licence | 4 years from date of offence |
| Spent After | 1 year from date of conviction |
Can You Get Insurance With a PC10 Conviction?
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 fine up to £1,000. A discretionary driving ban is uncommon for a single PC10 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 – A fine-only PC10 is spent 1 year after conviction under the Rehabilitation of Offenders Act 1974.
- Disclosure still matters – Non-disclosure can invalidate the policy, even for a minor 3-point endorsement. Full disclosure is required for as long as your insurer asks about convictions.
- Treated as a minor endorsement – Most insurers apply a modest loading rather than declining, particularly for a single PC10 on an otherwise clean licence.
Clean Green Cars introduces you to specialist brokers experienced with pedestrian crossing offences including catch-all codes like PC10. If you need short-term cover while comparing, temporary car insurance with convictions may bridge the gap.
Who Needs PC10 Car Insurance?
Standard insurers may load your price after any motoring conviction, even a minor one like a PC10. Riders can also compare convicted driver motorbike insurance. Here is who typically benefits most from comparing PC10 car insurance quotes.
Offence At A Pelican Crossing You Barely Remember
You drove through a pelican crossing at the wrong moment. Maybe the light was flashing amber and you misjudged it, maybe a pedestrian was still crossing. The details are hazy now, but the 3 points are not.
Unclear What Regulation Was Actually Breached
You have read the notice, checked the code, and still cannot work out what you did wrong. PC10 does not explain itself, and that lack of clarity makes it harder to accept - and harder to explain to your insurer.
Automated Camera Evidence You Cannot Challenge
A camera caught something. The image arrived in the post, the angle is unhelpful, and you are convicted on evidence you cannot meaningfully dispute. The impersonal nature of automated enforcement makes the whole process feel detached from reality.
Minor Infringement That Was Escalated
What started as a small error near a crossing - perhaps hesitating, perhaps moving a moment too early - escalated into a formal conviction. The distance between the minor moment and the lasting consequence feels wildly disproportionate.
First Conviction Ever And You Are Overwhelmed
You have never had points on your licence. The process - court or fixed penalty, declaration forms, premium increases - is entirely new. PC10 is a gentle introduction to the system by anyone's measure, but it does not feel gentle when it is happening to you.
Worth Knowing: Clean Green Cars introduces you to brokers who already cover drivers with PC10 endorsements. You fill in one form and get matched with specialists who understand crossing convictions.
What PC10 Car Insurance Covers
A PC10 on your licence does not change what your policy is designed to cover. It changes how much you pay and which providers will quote you. With only 3 points, most providers should still offer cover.
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 other vehicles and property | Included | Included | Included |
| Injury to other people | Included | Included | Included |
| Fire and theft of your vehicle | Included | Included | Not included |
| Accidental damage to your vehicle | Included | Not included | Not included |
| Windscreen and glass cover | Usually included | May be included | Not included |
| Personal belongings cover | Usually included | Not usually included | Not included |
Cover Tip: Comprehensive cover could sometimes cost less than third party only, even with a PC10. It is worth comparing all three levels rather than assuming the lowest cover gives the most affordable price.
What PC10 Car Insurance May Not Cover
One undeclared conviction could mean a declined claim when you need it most. Understanding what is not covered helps you avoid surprises. Here is what PC10 car insurance usually does not cover.
Standard Exclusions
- Undeclared convictions - If you do not declare your PC10 or any other conviction when asked, your insurer may decline a claim or invalidate your cover entirely.
- Driving while disqualified - If your licence has been revoked or you are serving a ban, your policy will not cover you while driving.
- Driving under the influence - Claims arising while you are over the legal alcohol or drug limit are typically excluded under all policy types.
- Vehicle used for purposes not declared - If you use your vehicle for business but only declared social and commuting use, a claim could be declined.
- Vehicle modifications not declared - Undeclared modifications could invalidate your cover. Always tell your insurer about any changes to your vehicle.
- Wear and tear - Gradual deterioration, mechanical failure, and general wear are not covered under any motor insurance policy.
- Racing and track use - Using your vehicle for racing, rallies, or track days is excluded unless you have specific track day cover.
Important Limitations
- Named driver restrictions - Some policies may apply minimum and maximum driver age limits. Drivers outside those limits may not be covered.
- Mileage Restrictions - Your policy may cap annual mileage. Exceeding the limit could affect whether a claim is paid in full. Confirm your estimate is accurate before you accept a quote.
- Vehicle Value Cap - Some pedestrian crossing policies cap the maximum value of vehicle they will insure. If you drive a higher-value car, check the policy limit.
Optional Extras Worth Adding
Your standard policy is designed to cover the basics. After a pedestrian crossing conviction, these extras could fill gaps that matter if something else goes wrong on the road.
May help cover the cost of roadside assistance, recovery, and onward travel if your vehicle breaks down.
May help cover legal costs if you need to pursue an uninsured driver or dispute a claim. Subject to policy limits and conditions.
May provide a temporary replacement vehicle while yours is being repaired after a covered claim. Depending on your policy terms.
May provide a lump sum if you or your passengers are injured in an accident. Subject to policy limits and conditions.
May help cover the cost of replacing lost or stolen keys and locks. Subject to policy limits and conditions.
May cover windscreen repair or replacement without affecting your no-claims discount. Depending on your policy terms.
What Affects the Cost of Car Insurance with a PC10 Conviction?
Your quote depends on how many points you have, how recently you were convicted, and your overall driving history. The good news is that a PC10 is typically one of the less severe endorsement codes, so the impact on your premium may be smaller than you expect.
Here are the key factors that could affect your price.
| Key Factor | Impact on Your Price |
|---|---|
| Conviction age | A recent PC10 could increase your premium more than one from 3 years ago. The loading typically reduces at each renewal as the conviction ages. |
| Total penalty points | If you have other points alongside your PC10, the combined total could push your premium higher. 9 or more points may limit your options. |
| Driving experience | Newer drivers with a PC10 could face higher quotes than experienced drivers with the same conviction. Years of clean driving help offset the loading. |
| Vehicle type and value | Higher-value vehicles and performance cars typically cost more to insure, especially with a conviction on your licence. |
| Where you live | Urban areas with higher traffic density could mean higher premiums. Postcode-level risk affects every quote. |
| Annual mileage | Fewer miles driven could mean lower risk in the eyes of your insurer. Reducing your mileage estimate could help. |
| Voluntary excess | Increasing your voluntary excess could reduce your premium, but make sure you could afford to pay it if you need to claim. |
| Claims history | A clean claims record alongside your PC10 could help keep your premium more competitive. Recent claims alongside a conviction could push it higher. |
Price Insight: A PC10 carries just 3 points, which is at the lower end of the penalty scale. As the conviction ages, your premium loading could reduce at each renewal. Comparing every year is how you make sure you benefit from that drop.
Ways to Cut Your Car Insurance Cost
A PC10 could push your premium up, but the impact is usually modest with just 3 points. There are practical steps that could bring what you pay closer to your pre-conviction price. Check your driving licence record to confirm your endorsement details are correct.
Compare Quotes Every Year
Your PC10 loading could reduce at each renewal, but your insurer may not pass that saving on. A crossing conviction should not inflate your premium forever. Get quotes above.
Increase Your Voluntary Excess
A higher voluntary excess could reduce your premium. Make sure you could afford it if you needed to claim.
Reduce Your Mileage
Fewer miles driven could mean lower risk in the insurer's eyes. If you can reduce your annual mileage, it could help your premium.
Add Security Features
An approved alarm, immobiliser, or tracker could reduce your premium with some insurers. Every saving helps on a loaded policy.
Build Your No Claims Discount
Each claim-free year adds to your no claims discount. Protecting it with a no claims discount cover could keep your premium stable.
Consider Telematics
A telematics policy could help prove safe driving habits after a conviction. Good data works in your favour.
Pay Annually
Paying in one lump sum is usually cheaper than monthly instalments, which include interest charges.
Saving Tip: A pedestrian crossing conviction with 3 points is minor in insurance terms, even if it does not feel that way right now. Your loading could ease at each renewal, and comparing quotes every year helps you benefit from that reduction.
How to Compare PC10 Car Insurance Quotes
Getting quotes after a PC10 does not take long. Here is how it works. Get started above when you are ready.
Fill in the quote form
Enter your details, your vehicle information, and your PC10 conviction details. Start at the top of this page.
Get matched with brokers
Clean Green Cars introduces you to specialist brokers who handle convicted driver insurance.
Receive your quotes
Brokers search their panels for providers who accept PC10 convictions and send you their best options.
Compare and choose
Review the quotes, check the cover levels, and pick the policy that suits your needs and budget.
Get covered
Once you choose a policy, your broker handles the paperwork so you can get back on the road.
What Our Expert Says
A PC10 feels bewildering because it does not tell you what you actually did. It is the catch-all code for pedestrian crossing offences that do not fit neatly into PC20 or PC30 - and that ambiguity can make the whole experience feel arbitrary, as though the system could not be bothered to work out the specific regulation you broke.
PC10 covers undefined contravention of pedestrian crossing regulations. The penalty is 3 points and a fine, with the endorsement staying on your licence for 4 years. Disqualification is discretionary but extremely rare for this code.
The vagueness of PC10 can cause problems with insurers who treat undefined codes with more suspicion than they deserve. Specialist brokers are experienced in presenting PC10 in context, ensuring underwriters understand that this is a minor crossing offence, not something more serious hiding behind an ambiguous label.
Co-founder of Clean Green Cars
Common PC10 Car Insurance Questions
What is a PC10 conviction?
An undefined contravention of pedestrian crossing regulations. It is the catch-all code when the offence does not fit PC20 or PC30.
How long does a PC10 stay on my licence?
Four years from the date of offence. Most insurers ask about the last 5 years.
Will a PC10 increase my car insurance?
It could, but with 3 points the loading is usually modest. It should reduce at each renewal.
Do I have to declare a PC10 to my insurer?
Yes. Not declaring could invalidate your cover.
Can I get comprehensive cover with a PC10?
Yes. Three points is minor and all cover levels should still be available.
What is the difference between PC10, PC20 and PC30?
PC10 is the undefined catch-all. PC20 is for moving vehicle offences at crossings. PC30 is for stationary vehicle offences at crossings.
How many points does a PC10 carry?
Three points. This is at the lower end for motoring endorsements.
Can a PC10 lead to a driving ban?
Not on its own. But if it pushes your total to 12 or more points, you could face a totting-up disqualification.
When does a PC10 become spent?
One year from the date of conviction for rehabilitation purposes. The endorsement itself stays on your licence for 4 years.
What happens after I submit my details?
A specialist broker contacts you directly with quotes. There is no obligation to buy.
Related Pedestrian Crossing Conviction Codes
PC10 is one of several pedestrian crossing endorsement codes used on UK driving licences. Each code relates to a different type of pedestrian crossing offence. Here are the related PC codes.
Search & compare quotes from UK PC10 Car Insurance Providers
Useful Resources
- Highway Code – Using the Road – Rules for pedestrian crossings and road junctions.
- 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.
- Sentencing Council – Road Traffic Offences – Sentencing guidelines for motoring offences.
