Why Compare TS20 Car Insurance?
Insurers React Differently to Lane Markings
Some providers treat a TS20 as a minor endorsement while others apply a larger loading. Clean Green Cars introduces you to brokers who know which insurers are competitive for double white line convictions.
A Minor Code Should Not Mean a Major Premium
A TS20 carries just 3 penalty points. Specialist brokers can place you with insurers who price it proportionally rather than applying blanket surcharges.
One Form Gets You Multiple Quotes
Clean Green Cars connects you with specialist brokers who send quotes from providers experienced with traffic sign endorsements. No need to fill in multiple applications.
TS20 Car Insurance At A Glance
- A TS20 means you were convicted of failing to comply with double white lines. This includes crossing or straddling continuous white centre lines where prohibited.
- The conviction carries 3 penalty points and stays on your licence for 4 years from the date of offence.
- Specialist brokers understand that a double white line offence is a relatively minor endorsement and know which insurers price it fairly.
- Fill in the form above to compare quotes from specialist brokers who cover double white line convictions.
What Is a TS20 Conviction?
TS20 is a statutory offence under Section 36 of the Road Traffic Act 1988 – failing to comply with double white line road markings. Here’s how the law defines it:
- Who it applies to – Any driver of a motor vehicle who crosses or straddles a continuous white centre line on a public road, where the markings are designed to prohibit crossing or overtaking.
- What counts as failing to comply – Overtaking across double white lines, crossing a continuous centre line to turn right where not permitted, or straddling the markings without a legitimate reason such as passing a stationary vehicle or a slow-moving road worker or horse.
- How the duty arises – The moment the vehicle enters the prohibited area of the markings. New drivers within their first two years face stricter totting-up rules, so a single TS20 can threaten the licence of a recently qualified driver.
| Penalty | Details |
|---|---|
| Penalty Points | 3 |
| Driving Ban | Discretionary. Rare for this offence alone but possible if total points reach 12. |
| Maximum Fine | Up to £1,000 (usually £100 fixed penalty) |
| Time on Licence | 4 years on licence from date of offence |
| Spent After | A TS20 becomes spent quickly under the Rehabilitation of Offenders Act 1974. However, you must answer your insurer’s questions truthfully to your insurer for as long as they ask, usually 5 years from the date of offence. |
Can You Get Insurance With a TS20 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 this offence alone but possible if your total points reach 12.
- 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. 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 TS20 on an otherwise clean licence.
Clean Green Cars introduces you to specialist brokers experienced with traffic sign offences. If you need short-term cover while comparing, temporary car insurance with convictions may bridge the gap.
Who Needs TS20 Car Insurance?
Standard insurers may ask extra questions after a double white line conviction. Riders can also compare convicted driver motorbike insurance. Here is who typically benefits from comparing specialist TS20 quotes.
Overtaking A Slow Vehicle On A Country Road
A tractor, a horse box, or a car doing 20 in a 60. You pulled out to pass because the queue was growing, and the white lines started - or continued - before you could get back in. A rural frustration became a legal problem.
Turning Right Across Double White Lines
Your destination was on the right. The road had double white lines but no break for your turning. You crossed them because there was no other way to get where you were going. Practicality clashed with the law.
Did Not See The Lines In Rain Or Poor Light
The road was wet, it was getting dark, or the markings were worn. You genuinely did not see the white lines until it was too late. A visibility issue became an endorsement - and that feels like being punished for conditions, not behaviour.
Unfamiliar Road With No Warning
You do not drive this route often. The white lines appeared without advance notice, or you were focused on the road ahead rather than the markings below. An unknown road caught you out in a way your usual routes never would.
Swerved To Avoid A Cyclist And Crossed The Line
A cyclist appeared, or wobbled, or was riding in a position that forced you wide. You crossed the line to give them space and keep everyone safe. Being convicted for an act of caution is a particular kind of frustrating.
Worth Knowing: Whether you overtook where you should not have or drifted across a line, Clean Green Cars connects you with brokers who place TS20 cases regularly.
What TS20 Car Insurance Covers
A TS20 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. 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 cost less than third party only, even with a TS20. Always compare all three levels before deciding.
What TS20 Car Insurance May Not Cover
One overlooked detail could mean a declined claim. If your vehicle has been seized, impound release cover could help. Here is what TS20 car insurance usually does not cover.
Standard Exclusions
- 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.
Important Limitations
- 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.
Extras Worth Considering
Your standard policy covers the essentials. These extras could fill gaps that matter more after a double white line 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 TS20 Conviction?
Your quote depends on how many points sit on your licence and your overall driving history.
Here are the key factors that could affect your price.
| Key Factor | Impact on Your Price |
|---|---|
| Points on your licence | Three points from a TS20 is relatively minor. The loading is usually smaller than for drink-drive or dangerous driving convictions. |
| Time since your TS20 | Your price could reduce each year as the TS20 ages. A conviction from 3 years ago may cost less to insure than a recent one. |
| Other convictions | A TS20 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 TS20 loading is applied. |
| Claims history | A clean claims record could offset some of the loading from your TS20. |
| Cover level | Comprehensive costs more than third party only but provides more protection. Always compare all three levels. |
Price Insight: A TS20 is relatively minor in insurance terms. Your premium could reduce each year as the conviction ages on your licence.
Ways to Cut Your Car Insurance Cost
A TS20 could increase your premium, but practical steps like fitting a telematics box could help bring it down.
Compare at Every Renewal
Your TS20 loading could shrink each year. Do not auto-renew without checking - a line-crossing 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. With a minor code like TS20, the improvement could come quickly.
Consider a Telematics Policy
A black box could prove you drive safely. After a minor endorsement, good driving data works in your favour at renewal.
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. Paying upfront could reduce the total cost on a loaded premium.
Choose a Lower Insurance Group Car
If you are changing vehicles, check the insurance group first. Lower groups mean lower premiums, even with a conviction.
Park Off the Street
Off-street parking is lower risk. If you have a driveway or garage, make sure your insurer knows.
Saving Tip: Crossing a white line in a moment of frustration does not have to mean years of inflated premiums. Specialist brokers know which insurers treat a TS20 as the minor code it is. Compare above.
How to Compare TS20 Car Insurance Quotes
Getting quotes after a TS20 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
You crossed the lines before you fully realised they were there. Maybe the sat nav said turn right, or a slow-moving tractor forced your hand, or the road markings had faded in the rain. Double white line offences often happen in a moment of practical necessity - and the conviction that follows feels disconnected from the reality of what you were trying to do.
TS20 covers contravention of double white lines under Section 36 of the Road Traffic Act 1988. The penalty is 3 points and a fine up to £1,000. Disqualification is discretionary. The endorsement sits on your licence for 4 years from the date of the offence.
Specialist brokers handle TS20 regularly and understand that crossing a white line is rarely an act of recklessness. They know which insurers price the code fairly and consider the wider driving record rather than reacting to the offence in isolation.
Co-founder of Clean Green Cars
Common TS20 Car Insurance Questions
What is a TS20 conviction?
Failing to comply with double white lines – crossing or straddling continuous white centre lines where prohibited.
How long does a TS20 stay on my licence?
Four years from the date of offence. Most insurers ask about the last 5 years.
Will a TS20 affect my car insurance?
It could increase your premium, but with 3 points it is one of the less severe codes. The loading should reduce each year.
Can I get comprehensive cover with a TS20?
Yes. Three points is minor and all cover levels should still be available.
Do I have to declare a TS20?
Yes. Not declaring any endorsement could invalidate your cover.
Is a TS20 a criminal conviction?
Technically yes, but dealt with by fixed penalty it is unlikely to appear on a standard criminal record check.
What if the white lines were worn or unclear?
Worn markings could be grounds for an appeal, but you would need photographic evidence. Seek legal advice if you believe the conviction was unfair.
How much could a TS20 add to my insurance?
No fixed amount. With 3 points, the loading is usually modest and varies between insurers.
Can I take a course instead of points for a TS20?
No. There is no awareness course for double white line offences.
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
TS20 is one of several traffic sign endorsement codes used on UK driving licences, alongside TS30 (stop signs) and others. Each code covers a different offence, and all carry 3 penalty points.
Failing to comply with traffic light signals
Compare TS10 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 TS20 Car Insurance Providers
Useful Resources
- GOV.UK – Penalty Points – How penalty points and endorsements work on UK driving licences.
- The Highway Code – Rules on road markings including double white lines.
- Sentencing Council – Sentencing guidelines for motoring offences.
