Why Compare Pedestrian Crossing Offence Insurance?
PC Codes Are Relatively Uncommon
Pedestrian crossing offences are less frequent than speeding or red light convictions. Some insurers have limited experience pricing them. Clean Green Cars introduces you to specialist brokers who handle all conviction types.
The Impact Is Usually Moderate
PC codes carry 3 penalty points and are generally treated similarly to other minor traffic offences. Clean Green Cars introduces you to brokers who know which insurers price PC codes proportionately.
Premiums Vary Between Insurers
Even with a minor conviction, some insurers apply a flat loading for any endorsement. Clean Green Cars introduces you to specialist brokers who compare across panels to find competitive options.
Pedestrian Crossing Offences At A Glance
- PC codes carry 3 penalty points and are generally treated as minor traffic offences by insurers.
- DVLA data shows pedestrian crossing endorsements rose 51% between 2022 and 2024, from 2,419 to 3,657 (as at 2024). Comparing through convicted driver insurance specialists could help find competitive cover despite this rise.
- Most mainstream insurers still offer cover for PC codes, and the premium impact is usually modest.
- Comparing could help ensure you are not overpaying, as some insurers apply a flat loading for any conviction.
- One click, multiple specialist quotes. Click the green button above to compare.
Pedestrian Crossing Penalties
PC codes relate to offences at pedestrian crossings. They are separate from construction and use offences, which cover vehicle condition issues. DVLA data shows 3,657 pedestrian crossing endorsements were recorded in 2024, with PC20 (moving vehicle) being the most commonly issued code (as at 2024). Here is what each code means.
| Code | Offence | Points | Maximum Fine |
|---|---|---|---|
| PC10 | Undefined contravention of pedestrian crossing regulations | 3 | Up to £1,000 |
| PC20 | Contravention of pedestrian crossing regulations with a moving vehicle | 3 | Up to £1,000 |
| PC30 | Contravention of pedestrian crossing regulations with a stationary vehicle | 3 | Up to £1,000 |
Find Your Pedestrian Crossing Code
Each pedestrian crossing offence carries a specific code. Choose yours below for detailed insurance guidance.
PC10 - Undefined Crossing Offence
A general pedestrian crossing regulation contravention. Used when the offence does not fit PC20 or PC30.
Compare PC10 quotesPC20 - Moving Vehicle Crossing Offence
Contravention of pedestrian crossing regulations with a moving vehicle. The most common PC code.
Compare PC20 quotesPC30 - Stationary Vehicle Crossing Offence
Contravention of pedestrian crossing regulations with a stationary vehicle, such as stopping on a crossing.
Compare PC30 quotesWhat Our Expert Says
Pedestrian crossing offences are among the least impactful conviction types for insurance purposes. They carry just 3 points and most insurers treat them as minor. The premium increase is usually modest and short-lived compared to more serious conviction categories.
The main reason to compare is that some insurers apply a blanket loading for any conviction, regardless of severity. Others distinguish between minor traffic offences and more serious codes. Comparing at renewal could reveal a meaningful difference in price.
Insurance Expert & Co-founder of Clean Green Cars
Common Pedestrian Crossing Insurance Questions
Can I Get Car Insurance With a PC Code?
Yes. PC codes are minor offences and virtually all insurers still offer cover. Your premium may increase slightly, but specialist brokers can help find a competitive price.
How Many Points Do PC Codes Carry?
All PC codes (PC10, PC20, PC30) carry 3 penalty points. This is the standard for minor traffic offences.
How Long Do PC Codes Stay on Your Licence?
PC 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 a PC code whenever they ask about motoring convictions during that period.
Are PC Codes Considered Serious?
No. PC codes are generally treated as minor traffic offences. The premium impact is usually small compared to speeding, drink driving, or dangerous driving codes.
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 Pedestrian Crossing Offences Affect Your Insurance
PC codes have a relatively minor impact on insurance premiums. They carry 3 penalty points and are treated similarly to other minor traffic offences such as traffic sign offences. Most insurers still offer competitive cover for drivers with PC convictions.
Because pedestrian crossing offences are uncommon, some insurers may not have specific pricing for them and could apply a generic conviction loading. Comparing through specialist brokers who understand the full range of conviction codes could help you find a more competitive price for this specific offence type. Telematics car insurance may also help demonstrate safe driving and reduce premium loadings over time.
If you need cover at short notice, temporary car insurance for convicted drivers could provide flexible cover while you compare annual policies.
Van drivers with PC endorsements can also compare convicted driver van insurance through specialist brokers.
Search & compare quotes from UK Pedestrian Crossing 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 – Endorsement Codes – The full list of motoring conviction codes and the points they carry.
