Why Compare TS10 Car Insurance?
Not All Insurers Treat a Red Light the Same
One provider could add a significant loading for a TS10 while another treats it as a minor 3-point offence. Clean Green Cars introduces you to brokers who know which insurers are competitive for traffic light convictions.
Three Points Should Not Mean Paying Over the Odds
A TS10 carries just 3 penalty points, yet some mainstream providers may apply a disproportionate increase. Specialist brokers place you with insurers who price the offence proportionally.
Compare Without the Hassle
Clean Green Cars connects you with specialist brokers who send you quotes from providers experienced with traffic signal convictions. One form, multiple quotes, no repeated applications.
TS10 Car Insurance At A Glance
- A TS10 means you were convicted of failing to comply with traffic light signals. It is the most common traffic sign endorsement code.
- The conviction carries 3 penalty points and stays on your licence for 4 years from the date of offence. Most insurers ask about it for up to 5 years.
- Specialist brokers work with drivers who have TS10 endorsements every day and know which convicted driver insurance providers price the offence fairly.
- Fill in the form above to compare quotes from specialist brokers who cover traffic light convictions.
What Is a TS10 Conviction?
TS10 is a statutory offence under Section 36 of the Road Traffic Act 1988 – failing to comply with traffic light signals. Here’s how the law defines it:
- Who it applies to – Any driver of a motor vehicle who fails to comply with a traffic light signal placed on or near a road by a highway authority. It covers signals at junctions, pedestrian crossings, and temporary lights at roadworks.
- What counts as failing to comply – Crossing the stop line or entering a junction when the light is red, moving off on red and amber, or ignoring a red signal at a pelican, puffin or toucan crossing. It also covers temporary red lights at works sites.
- How the duty arises – The moment a properly placed traffic signal displays red or red and amber. Weather, missed sight lines or hesitation are not usually defences – the driver is expected to anticipate signal changes and stop safely.
| Penalty | Details |
|---|---|
| Penalty Points | 3 |
| Driving Ban | Discretionary. Rare for a single offence but possible if points push total to 12 or more. |
| Maximum Fine | Up to £1,000 (usually £100 fixed penalty) |
| Time on Licence | 4 years on licence from date of offence |
| Spent After | A TS10 becomes spent relatively quickly under the Rehabilitation of Offenders Act 1974. It does not appear on a standard DBS check. However, you must answer your insurer’s questions truthfully to your insurer for as long as they ask about motoring convictions, usually 5 years. |
Can You Get Insurance With a TS10 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, usually with a £100 fixed penalty. A discretionary driving ban is rare for a single offence but possible if points push your total to 12 or more.
- 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 – Becomes spent quickly under the Rehabilitation of Offenders Act 1974 – typically 1 year after conviction for a fine.
- Disclosure still matters – Non-disclosure can invalidate the policy, even though TS10 does not appear on a standard DBS check. You must answer your insurer’s questions truthfully for as long as they ask.
- Treated as a minor endorsement – Most insurers apply a modest loading rather than declining, particularly for a single TS10 on an otherwise clean licence.
Clean Green Cars introduces you to specialist brokers experienced with traffic sign and signal offences. If you need short-term cover while comparing, temporary car insurance with convictions may bridge the gap.
Who Needs TS10 Car Insurance?
Some mainstream insurers add a loading after a traffic light conviction, especially new drivers. Here is who typically benefits most from comparing TS10 car insurance quotes.
Amber Gamble That Went Wrong
You thought you would make it through on amber. The camera disagreed. It was a fraction of a second, a judgement call that thousands of drivers make every day - except this time, yours was recorded and punished.
Camera Caught You Red By Half A Second
The data on the notice showed you crossed the line barely after the light turned red. Half a second. The penalty is the same whether it was half a second or half a minute, and that uniformity feels deeply unfair.
Unfamiliar Junction With Confusing Layout
You did not know the road. The lights were positioned oddly, the lanes were unclear, and by the time you worked out what was happening, you had already gone through. A navigation error became a conviction.
Followed The Vehicle In Front Through The Light
The car ahead went through and you followed on instinct. By the time you reached the line, the light had changed. You were reacting to traffic flow, not ignoring a signal - but the camera cannot tell the difference.
Emergency Braking Felt Unsafe So You Continued
The light changed late, or the road was wet, or someone was close behind. Stopping suddenly felt more dangerous than continuing. You made a safety decision in a split second, and that decision is now 3 points on your licence.
Worth Knowing: If you have been caught by a red light camera or stopped at a junction, you are not alone. Clean Green Cars connects you with brokers who handle TS10 endorsements every day.
What TS10 Car Insurance Covers
A TS10 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. Van drivers can compare convicted driver van insurance.
Here is what each level of cover could include. Cover features depend on insurer terms, driver eligibility, and how the vehicle is used.
| 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: Comprehensive cover could sometimes cost less than third party only, even with a TS10. Always compare all three levels before deciding.
What TS10 Car Insurance May Not Cover
One missed detail on your application could mean a declined claim. If your car has been seized, impound release cover may help. Here is what TS10 car insurance usually does not cover.
- Undeclared Convictions - If you do not declare your traffic sign conviction or any other endorsements, your insurer could invalidate your policy and decline claims.
- Driving Under the Influence - Accidents caused while impaired by drink or drugs are excluded regardless of your traffic sign conviction.
- Wear and Tear - Gradual damage such as worn tyres, mechanical deterioration, or rust is not covered by any motor policy.
- Racing or Track Use - Using your vehicle on a track, in a race, or in any form of competition is excluded from standard motor policies.
- Higher Excess - Your insurer may set a higher compulsory excess because of your conviction. Check your policy documents before agreeing.
- Named Driver Restrictions - Some policies may limit who else can drive your vehicle after a traffic sign conviction.
- Vehicle Value Cap - Some convicted driver policies may cap the maximum value of vehicle 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 more after a traffic light conviction.
May help cover roadside assistance if your vehicle breaks down, subject to policy limits and conditions.
May help cover 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 injured in a crash and cannot work, depending on your policy terms.
Keeps your no claims discount safe if you make 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.
What Affects the Cost of Car Insurance with a TS10 Conviction?
Your quote depends on how many points you have, how recently the TS10 was issued, and your overall driving record.
Here are the key factors that could affect your price.
| Key Factor | Impact on Your Price |
|---|---|
| Points on your licence | Three points from a TS10 is relatively minor. The loading is usually smaller than for drink-drive or dangerous driving convictions. |
| Time since your TS10 | Your price could reduce each year as the TS10 ages. A conviction from 3 years ago may cost less to insure than a recent one. |
| Other convictions | A TS10 alongside other motoring convictions could push your price up more sharply. Multiple endorsements signal higher risk. |
| Your age | Younger drivers often pay more after a conviction. If you are under 25, the increase could be larger. |
| Your vehicle | Higher insurance group vehicles cost more to insure, with or without convictions on your record. |
| Where you live | Your postcode affects your base price before any TS10 loading is applied. |
| Claims history | A clean claims record could offset some of the loading from your TS10. |
| Cover level | Comprehensive costs more than third party only but provides more protection. Always compare all three levels. |
Price Insight: A TS10 is one of the least severe endorsement codes. Your loading could reduce noticeably each year as the conviction ages on your licence.
Ways to Cut Your Car Insurance Cost
A TS10 could push your premium up, but there are practical steps that could bring it closer to what you paid before.
Compare Quotes Every Year
Your TS10 loading could reduce each year, but your insurer may not pass the saving on. A traffic light conviction should not inflate your premium forever. Get quotes above.
Build a Clean Record
Each conviction-free, claim-free year could help reduce your loading at renewal. Time is on your side with a minor code like TS10.
Pay Annually
Monthly payments often include interest. Paying upfront could reduce the total cost, especially on a loaded premium.
Choose a Lower Group Vehicle
Vehicles in lower insurance groups cost less to insure. If you are changing cars, checking the group first could help reduce your premium.
Limit Your Mileage
Lower annual mileage could mean a lower premium. Only declare what you actually drive rather than overestimating.
Add Security
An approved alarm, immobiliser, or tracker could reduce your premium with some insurers. Every saving helps on a loaded policy.
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 split-second decision at a set of lights does not have to define your insurance costs. Specialist brokers know which insurers treat a TS10 as the low-severity code it is, and your loading could reduce each year. Compare above.
How to Compare TS10 Car Insurance Quotes
Getting quotes after a TS10 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.
Declare Your Conviction
Enter the conviction code, date of offence, and number of points. Be honest about all endorsements.
Add Your Driving History
Include any other convictions, claims, and your no claims discount.
Choose Your Cover Level
Select between comprehensive, third party fire and theft, or third party only.
Compare Your Quotes
Specialist brokers send you quotes based on your details. Pick the one that fits your needs and budget.
What Our Expert Says
The light changed and you were already committed. Maybe it was amber when you entered the junction and red by the time a camera caught you. Maybe you hesitated, then went, and that half-second of indecision is now an endorsement. Whatever happened, a TS10 can leave you replaying that moment over and over.
TS10 covers failing to comply with traffic light signals under Section 36 of the Road Traffic Act 1988. The standard penalty is 3 points and a £100 fixed penalty, though court proceedings can result in a fine up to £1,000 and discretionary disqualification. The endorsement stays on your licence for 4 years.
Specialist brokers see TS10 every day. It is one of the most common endorsement codes, and they know which insurers treat a single traffic light offence as the momentary lapse it almost always is.
Co-founder of Clean Green Cars
Common TS10 Car Insurance Questions
What is a TS10 conviction?
Failing to comply with traffic light signals. It covers going through a red light, including amber turning red.
How long does a TS10 stay on my licence?
Four years from the date of offence. Most insurers ask about the last 5 years.
Will a TS10 affect my car insurance?
It could increase your premium, but with 3 points it is one of the less severe endorsement codes. The loading should reduce each year.
Can I get comprehensive cover with a TS10?
Yes. Three points is minor and all cover levels should still be available.
Do I have to declare a TS10 to my insurer?
Yes. Not declaring any endorsement could invalidate your cover.
Is a TS10 a criminal conviction?
Technically yes, but dealt with by fixed penalty it is unlikely to appear on a standard criminal record check.
Can I take a course instead of getting points for a TS10?
No. Unlike speeding, there is no awareness course alternative for traffic light offences.
How much could a TS10 add to my insurance?
No fixed amount. With 3 points, the loading is usually modest and varies between insurers.
What happens if I get a TS10 as a new driver?
Three points added to any existing points. Six points within your first 2 years triggers automatic licence revocation.
What Happens After I Submit My Details?
A specialist broker contacts you directly with quotes. There is no obligation to buy.
Related Traffic Sign Conviction Codes
TS10 is one of several traffic sign endorsement codes used on UK driving licences. Each code covers a different type of traffic sign offence, and all carry 3 penalty points. If you have a different code, the pages below could help.
Failing to comply with double white lines
Compare TS20 quotesFailing to comply with a stop sign
Compare TS30 quotesFailing to comply with direction of a constable/warden
Compare TS40 quotesFailing to comply with a traffic sign (excluding stop signs, traffic lights or double white lines)
Compare TS50 quotesFailing to comply with a school crossing patrol sign
Compare TS60 quotesUndefined failure to comply with a traffic direction sign
Compare TS70 quotesSearch & compare quotes from UK TS10 Car Insurance Providers
Useful Resources
- GOV.UK – Penalty Points – How penalty points and endorsements work on UK driving licences.
- GOV.UK – Traffic Signs – Official guidance on traffic signs and signals in England and Wales.
- Sentencing Council – Sentencing guidelines for motoring offences in England and Wales.
