Why Compare PC20 Car Insurance?
A PC20 Could Push Your Premium Up
Running a red light at a pedestrian crossing is something insurers take seriously. Each provider applies a different loading, so comparing through Clean Green Cars introduces you to specialist brokers who could find you a more competitive price.
Standard Insurers May Load or Decline
Some mainstream insurers add a significant premium loading after a PC20. Others may decline to quote altogether. Specialist brokers work with panels of providers experienced in covering convicted drivers. Clean Green Cars connects you with these brokers.
Compare Once, Reach Multiple Providers
One form through Clean Green Cars introduces you to brokers who search their panels for providers accepting PC20 convictions. This saves time and could reveal options standard comparison sites miss.
Car Insurance With a PC20 Conviction At A Glance
- A single moment at a crossing – PC20 means you contravened pedestrian crossing regulations with a moving vehicle, typically at a zebra, pelican, or puffin crossing. It carries 3 penalty points.
- The endorsement has a clear timeline – your PC20 stays on your licence for 4 years from the date of the offence, and your premium loading could reduce at each renewal.
- Brokers who understand the context – specialist convicted driver brokers work with insurers who treat a single PC20 as the minor endorsement it is.
- Start comparing PC20 car insurance quotes from specialist brokers at the top of this page.
What Is a PC20 Conviction?
PC20 is a statutory offence under Section 25(5) of the Road Traffic Regulation Act 1984 – contravening pedestrian crossing regulations with a moving vehicle. Here’s how the law defines it:
- Who it applies to – Any driver of a motor vehicle in motion who breaches the Zebra, Pelican and Puffin Pedestrian Crossings Regulations at a controlled crossing.
- What counts as a contravention – Driving through a red signal at a pelican, puffin or toucan crossing; failing to stop for a pedestrian who is already on a zebra crossing; or overtaking the leading vehicle inside the zig-zag approach area.
- How the duty arises – Every time a moving vehicle approaches a controlled pedestrian crossing. The driver is expected to read the crossing, slow down in the zig-zag area, and give priority to pedestrians as required.
| 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 PC20 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 PC20 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 PC20 is spent 1 year after conviction under the Rehabilitation of Offenders Act 1974.
- Disclosure still matters – Non-disclosure can invalidate the policy. You must answer your insurer’s questions truthfully for as long as they ask about motoring convictions.
- Treated as a minor endorsement – Most insurers apply a modest loading rather than declining, particularly for a single PC20 on an otherwise clean licence.
Clean Green Cars introduces you to specialist brokers experienced with pedestrian crossing offences. If you need short-term cover while comparing, temporary car insurance with convictions may bridge the gap.
Who Needs PC20 Car Insurance?
Standard insurers may increase your price after a pedestrian crossing conviction, even one as minor as a PC20. Van drivers can compare convicted driver van insurance. Here is who typically benefits most from comparing PC20 car insurance quotes.
Drove Through On Amber At A Zebra Crossing
The amber signal was flashing, you thought the pedestrian had cleared, and you went. They had not - or another stepped on. The moment between 'safe to go' and 'not safe to go' was impossibly thin, and you landed on the wrong side of it.
Pedestrian Stepped Out Late And You Were Already Moving
You were approaching the crossing at normal speed. The pedestrian appeared at the last moment - from behind a van, from the pavement edge - and you could not stop. Being convicted when someone else's timing caused the danger feels deeply unfair.
Puffin Crossing Timing Caught You Out
Puffin crossings detect pedestrians and hold the red phase. You expected the light to change, it did not, and you crept forward or went through because the wait seemed wrong. The technology worked exactly as designed - it just was not designed around your expectations.
Rush Hour Pressure And A Split-Second Error
Traffic was heavy, you were running late, and the gap in pedestrians looked big enough. It was not. The pressure of a commute turned a crossing you navigate safely 364 days a year into the one time you got it wrong.
Unfamiliar Crossing Type In An Area You Do Not Know
You did not recognise the crossing - toucan, puffin, pegasus - or its rules. In your usual area, you know every crossing by sight. Here, the layout was different, and the rules you assumed were wrong.
Worth Knowing: Clean Green Cars introduces you to brokers who already cover drivers with PC20 endorsements. One form reaches multiple specialists who understand crossing convictions.
What PC20 Car Insurance Covers
A PC20 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.
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 PC20. Compare all three levels to find the most competitively priced option for your circumstances.
What PC20 Car Insurance May Not Cover
One undeclared conviction could mean a declined claim when you need it most. Check your driving licence record online to confirm your endorsements are correct. Here is what PC20 car insurance usually does not cover.
Standard Exclusions
- Undeclared convictions - If you do not declare your PC20 or any other conviction when asked, your insurer may decline a claim or invalidate your cover.
- 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 undeclared purposes - If you use your vehicle for business but only declared social and commuting use, a claim could be declined.
- Undeclared modifications - Undeclared vehicle modifications could invalidate your cover. Always inform your insurer about any changes.
- 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
- Driver age restrictions - Some policies apply minimum and maximum driver age limits. Drivers outside those limits may not be covered.
- 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.
- Telematics Requirement - Some insurers require a telematics device as a condition of cover, particularly after a pedestrian crossing conviction. A black box monitors driving habits, and the data could affect renewal.
Cover Extras to Consider
Your standard policy is designed to cover the basics. After a moving vehicle crossing offence, these optional extras could fill gaps that matter if something else goes wrong.
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.
May provide a temporary replacement vehicle while yours is being repaired after a covered claim.
May provide a lump sum if you or your passengers are injured in an accident. Subject to policy limits.
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.
What Affects the Cost of Car Insurance with a PC20 Conviction?
Your quote depends on how many points you have, how recently you were convicted, and your overall driving history. A PC20 is treated as a minor endorsement by most insurers, similar to a TS10 (traffic light) conviction in severity. The price impact 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 PC20 could increase your premium more than one from 3 years ago. The loading typically reduces as the conviction ages. |
| Total penalty points | If you have other points alongside your PC20, the combined total could push your premium higher. |
| Driving experience | Newer drivers with a PC20 could face higher quotes than experienced drivers with the same conviction. |
| Vehicle type and value | Higher-value vehicles and performance cars typically cost more to insure 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. Reducing your mileage estimate could help bring your premium down. |
| Voluntary excess | Increasing your voluntary excess could reduce your premium, but make sure you could afford to pay it if you claim. |
| Claims history | A clean claims record alongside your PC20 could help keep your premium more competitive. |
Price Insight: A PC20 carries 3 points, which is the lowest endorsement level. As the conviction ages, your loading should reduce. Comparing every year ensures you benefit from that drop rather than overpaying at renewal.
Ways to Cut Your Car Insurance Cost
A PC20 could push your premium up, but there are practical steps that could bring it closer to what you paid before. A telematics policy could help demonstrate safe driving habits after your conviction.
Compare Quotes Every Year
Your PC20 loading could reduce at each renewal. Do not auto-renew - a crossing conviction should not inflate your premium indefinitely. Get quotes above.
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.
Reduce Your Mileage
Fewer miles driven could mean lower risk. 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.
Build Your No Claims Discount
Each claim-free year adds to your discount. Protecting it could keep your premium stable at renewal.
Consider Telematics
A telematics policy could prove safe driving after your conviction. Good data helps at renewal.
Pay Annually
Paying in one lump sum avoids monthly interest charges, which add up on a loaded premium.
Saving Tip: A moment at a crossing weighs on you, but with 3 points it is still a minor code in insurance terms. Your loading could ease at each renewal, and comparing quotes helps you benefit from that reduction. Start above.
How to Compare PC20 Car Insurance Quotes
Getting quotes after a PC20 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 PC20 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 PC20 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 moment of misjudgement near the most vulnerable road users. You drove through when a pedestrian was still crossing, or you entered on an amber signal that turned red, or you simply did not see someone step onto a zebra crossing until it was too late. The near-miss - or what felt like one - stays with you.
PC20 covers contravention of pedestrian crossing regulations with a moving vehicle. The penalty is 3 points and a fine, with discretionary disqualification. The endorsement sits on your licence for 4 years from the date of the offence.
Specialist brokers handle PC20 regularly and understand that these offences almost always involve a split-second lapse, not a disregard for safety. They work with insurers who assess the single incident in the context of an otherwise clean record.
Co-founder of Clean Green Cars
Common PC20 Car Insurance Questions
What is a PC20 conviction?
Contravention of pedestrian crossing regulations with a moving vehicle – typically going through a red light at a pelican crossing or not stopping at a zebra crossing.
How long does a PC20 stay on my licence?
Four years from the date of offence. Most insurers ask about the last 5 years.
Will a PC20 increase my car insurance?
It could, but with 3 points the loading is usually modest. The increase should reduce at each renewal.
Do I have to declare a PC20 to my insurer?
Yes. Not declaring could invalidate your cover.
Can I get comprehensive cover with a PC20?
Yes. Three points is minor and all cover levels should still be available.
What is the difference between PC10 and PC20?
PC20 specifically covers moving vehicle offences at crossings. PC10 is the catch-all for undefined crossing contraventions.
How many points does a PC20 carry?
Three points. This is the minimum endorsement level.
Can a PC20 lead to a driving ban?
Not on its own. But if combined with other endorsements, reaching 12 points could trigger a totting-up disqualification.
Is a PC20 the same as running a red light?
Not exactly. TS10 covers general traffic light offences. PC20 specifically covers lights at pedestrian crossings.
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
PC20 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 PC20 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.
