Why Compare TS50 Car Insurance?
Traffic Sign Convictions Are Priced Inconsistently
One insurer may barely notice a TS50 while another adds a meaningful loading. Clean Green Cars introduces you to brokers who know which providers treat directional sign offences fairly.
Three Points for a Common Mistake
Driving the wrong way down a one-way street or missing a no entry sign can happen to anyone. Specialist brokers place you with insurers who price a TS50 proportionally.
Compare With One Form
Clean Green Cars connects you with specialist brokers who send quotes from providers experienced with traffic sign endorsements. One application covers multiple providers.
TS50 Car Insurance At A Glance
- Specialist brokers may offer Comprehensive, TPFT, or TPO cover even with a TS50 on your licence.
- A TS50 carries 3 penalty points and stays on your licence for 4 years from the date of the offence.
- TS50 covers traffic signs not included in other TS codes – such as no entry, one way, and mandatory turn signs.
- Click the green button above to compare TS50 car insurance from specialist brokers.
What Is a TS50 Conviction?
TS50 is a statutory offence under Section 36 of the Road Traffic Act 1988 – failing to comply with a traffic sign not covered by a more specific TS code. Here’s how the law defines it:
- Who it applies to – Any driver of a motor vehicle who fails to comply with a regulatory traffic sign that carries the force of law but is not covered by TS10, TS20, TS30 or the other specific TS codes.
- What counts as failing to comply – Ignoring a no entry sign, failing to give way at a give-way sign, exceeding a height or weight restriction, driving the wrong way down a one-way street, or ignoring a mandatory direction sign.
- How the duty arises – The moment the vehicle reaches a properly placed regulatory sign. The driver is expected to see and act on the sign – claims of not noticing it are not usually a defence.
| Penalty | Details |
|---|---|
| Penalty Points | 3 |
| Driving Ban | Discretionary. Rare for a single TS50 offence. |
| Maximum Fine | Up to £1,000 |
| Time on Licence | 4 years on licence from date of offence |
| Spent After | A TS50 becomes spent quickly under the Rehabilitation of Offenders Act 1974. You must answer your insurer’s questions truthfully to your insurer for as long as they ask, usually 5 years. |
Can You Get Insurance With a TS50 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 rare for a single TS50 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 – 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 your cover. 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 TS50 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 TS50 Car Insurance?
Mainstream insurers may add a loading after a directional sign conviction. Riders can compare convicted driver motorbike insurance. Here is who typically benefits from comparing specialist TS50 quotes.
Missed A No-Entry Sign Obscured By Vegetation
The sign was there - technically. Behind a hedge, half-covered by a branch, or at an angle that made it invisible from your approach. You drove past it because you never saw it, and now you are convicted for something the council should have maintained.
Wrong Way On A One-Way Street
You turned into a one-way street going the wrong direction. It happened in an unfamiliar area, the signage was poor, and the road layout gave no clue until cars started coming towards you. The panic of that moment is now a permanent mark on your record.
Ignored A Mandatory Turn Because Sat Nav Said Otherwise
The road sign said 'turn left only.' The sat nav said 'continue straight.' You followed the screen - and the camera or officer followed the sign. When technology and infrastructure disagree, the driver pays the price.
Sat Nav Contradicted The Road Sign
You trusted your navigation device. It routed you through a restriction you could not see in time, or it told you a road was open when a sign said otherwise. The sat nav has no points on its licence. You do.
Sign Obscured By Overgrown Vegetation Or Damage
The sign was vandalised, faded, bent, or buried behind growth. You could not have read it if you tried. The council's maintenance failure became your conviction, and that transfer of responsibility feels fundamentally unfair.
Worth Knowing: Whether you misjudged a police officer’s hand signal or missed a warden’s direction, Clean Green Cars connects you with brokers who handle TS50 endorsements regularly.
What TS50 Car Insurance Covers
A TS50 does not change what your policy is designed to cover. It affects 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: Compare all three cover levels. With a minor TS50, comprehensive could sometimes be the most competitive option.
What TS50 Car Insurance May Not Cover
One missed detail could lead to a declined claim. Here is what TS50 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 Adding
Your standard policy is designed to cover the basics. These extras could be worth considering after a constable direction 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 TS50 Conviction?
Your quote depends on your points total, how recently the TS50 was issued, and your driving record.
Here are the key factors that could affect your quote.
| Key Factor | Impact on Your Price |
|---|---|
| Points on your licence | Three points from a TS50 is relatively minor. The loading is usually smaller than for drink-drive or dangerous driving convictions. |
| Time since your TS50 | Your price could reduce each year as the TS50 ages. A conviction from 3 years ago may cost less to insure than a recent one. |
| Other convictions | A TS50 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 TS50 loading is applied. |
| Claims history | A clean claims record could offset some of the loading from your TS50. |
| Cover level | Comprehensive costs more than third party only but provides more protection. Always compare all three levels. |
Price Insight: A TS50 with 3 points is minor in insurance terms. Your loading could ease as the conviction ages on your licence.
Ways to Cut Your Car Insurance Cost
A TS50 could push your premium up, but there are steps you could take to reduce the cost. Temporary car insurance for convicted drivers is also available.
Compare at Every Renewal
Your TS50 loading could reduce each year. Do not auto-renew - a wrong turn should not define your premium forever. Get quotes above.
Build a Clean Record
Each conviction-free, claim-free year helps reduce the loading. With a minor code like TS50, the improvement could come quickly.
Consider a Telematics Policy
A black box could prove you drive safely day to day. Good 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.
Choose a Lower Insurance Group Car
Lower-group vehicles cost less to insure. If you are changing cars, check the group first.
Park Off the Street
Off-street parking is lower risk. A driveway or garage could help reduce your premium.
Saving Tip: Misunderstanding a constable’s signal in busy or confusing traffic does not have to mean inflated premiums for years. Specialist brokers know which insurers treat a TS50 as the minor code it is. Compare above.
How to Compare TS50 Car Insurance Quotes
Getting quotes after a TS50 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
A no-entry sign hidden behind a hedge. A one-way street in an unfamiliar town. A mandatory turn you missed because the sat nav said otherwise. These are the everyday moments behind a TS50 - and they rarely feel like they deserved a conviction.
TS50 covers failing to comply with a traffic sign other than traffic lights, double white lines, stop signs, or school crossing patrols - all of which have their own codes. It falls under Section 36 of the Road Traffic Act 1988, carrying 3 points and a fine up to £1,000. The endorsement sits on your licence for 4 years.
Because TS50 can apply to dozens of different signs, the circumstances vary enormously. Specialist brokers know how to present the specific situation to insurers who understand that a missed no-entry sign is not the same as ignoring a speed limit.
Co-founder of Clean Green Cars
Common TS50 Car Insurance Questions
What is a TS50 conviction?
Failing to comply with a traffic sign (other than traffic lights, stop signs, double white lines, or school crossing patrol signs).
How long does a TS50 stay on my licence?
Four years from the date of offence. Most insurers ask about the last 5 years.
Will a TS50 affect my car insurance?
It could increase your premium slightly. With 3 points, the loading is usually modest.
Can I get comprehensive cover with a TS50?
Yes. Three points is minor and all cover levels should still be available.
Do I have to declare a TS50?
Yes. Not declaring any endorsement could invalidate your cover.
Is a TS50 the same as hitting a lollipop person?
No. TS50 is for failing to stop when the sign is displayed. Hitting someone would be a different, more serious charge.
What authority do school crossing patrols have?
Legal authority to stop traffic under Section 28 of the Road Traffic Regulation Act 1984. Failing to comply is a criminal offence.
How much could a TS50 add to my insurance?
No fixed amount. With 3 points, the loading is usually modest and varies between insurers.
Are TS50 convictions common?
No. They are one of the rarer traffic sign codes because most drivers do stop for school crossing patrols.
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
TS50 is one of several traffic sign endorsement codes, alongside TS40 (constable direction) 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 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 school crossing patrol sign
Compare TS60 quotesUndefined failure to comply with a traffic direction sign
Compare TS70 quotesSearch & compare quotes from UK TS50 Car Insurance Providers
Useful Resources
- GOV.UK – Penalty Points – How penalty points and endorsements work on UK driving licences.
- The Highway Code – Rules on traffic signs and their meanings.
- Sentencing Council – Sentencing guidelines for motoring offences.
- Check Your Driving Licence – View your endorsements and penalty points online.
