Why Compare TS60 Car Insurance?
Insurers Price School Crossing Offences Differently
Some providers may view a TS60 more seriously because it involves pedestrians near a school. Clean Green Cars introduces you to brokers who know which insurers price the offence proportionally.
Three Points for a Momentary Lapse
A TS60 carries just 3 points. Specialist brokers place you with insurers who understand the minor nature of this endorsement.
One Form, Multiple Quotes
Clean Green Cars connects you with specialist brokers who send quotes from providers experienced with traffic sign convictions. Compare without repeating your details.
TS60 Car Insurance At A Glance
- Specialist brokers may offer Comprehensive, TPFT, or TPO cover even with a TS60 on your licence.
- A TS60 carries 3 penalty points and stays on your licence for 4 years from the date of the offence.
- TS60 applies when you fail to stop for a school crossing patrol (lollipop person).
- Click the green button above to compare TS60 car insurance from specialist brokers.
What Is a TS60 Conviction?
TS60 is a statutory offence under Section 28 of the Road Traffic Regulation Act 1984 – failing to comply with a school crossing patrol sign. Here’s how the law defines it:
- Who it applies to – Any driver of a motor vehicle on a road who fails to stop when a school crossing patrol officer displays their sign to stop traffic so that children or other pedestrians can cross.
- What counts as failing to comply – Driving past a school crossing patrol officer who is displaying the sign, stopping beyond the sign, or moving off before the officer has withdrawn it and returned to the kerb.
- How the duty arises – The moment a properly uniformed school crossing patrol officer displays the sign. The duty to stop is absolute and is in place to protect children in a clearly marked school area.
| Penalty | Details |
|---|---|
| Penalty Points | 3 |
| Driving Ban | Discretionary. Very rare for a single TS60 offence. |
| Maximum Fine | Up to £1,000 |
| Time on Licence | 4 years on licence from date of offence |
| Spent After | 1 year after conviction for a fine under the Rehabilitation of Offenders Act 1974. |
Can You Get Insurance With a TS60 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 very rare for a single TS60 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 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 TS60 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 TS60 Car Insurance?
Mainstream insurers may add a loading after a school crossing patrol conviction, especially new drivers with extra points. Here is who typically benefits from comparing specialist TS60 quotes.
Did Not See The Lollipop Person In Time
They stepped out, sign raised, and you were already too close. Maybe they were between parked cars, maybe the hi-vis blended with the background. You braked, but not soon enough. The moment replays constantly.
Sun Glare Obscured The Crossing Patrol
Low winter sun turned the windscreen white at exactly the wrong moment. You could not see the patrol, the sign, or the children. A weather condition you could not control became a conviction you cannot appeal.
School Run Rushing And Lost Concentration
You were late, the children in your own car were distracting you, and the crossing appeared before you were ready for it. The irony of being convicted near a school while taking your own children to school is not lost on you.
Unfamiliar With The Crossing Location
You do not usually drive this road. The patrol was in a place you did not expect, without the advance warning signs you rely on elsewhere. An unfamiliar route turned a careful driver into a convicted one.
Distracted By Children In Your Own Car
Something happened in the back seat - an argument, a dropped drink, a child unbuckling. You glanced in the mirror for a second, and in that second, the lollipop person stepped out. The guilt of knowing your own children caused the lapse near someone else's children is uniquely painful.
Worth Knowing: Whether you failed to stop for a school crossing patrol officer, misjudged the timing of a lollipop sign, or found yourself in a disputed school patrol situation, Clean Green Cars introduces you to brokers who handle TS60 endorsements every day.
What TS60 Car Insurance Covers
A TS60 does not change what your policy is designed to cover. It affects how much you pay and which insurers 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: Do not assume third party only is the cheapest option. With a minor TS60, comprehensive could sometimes cost less. Compare all three levels.
What TS60 Car Insurance May Not Cover
One missed detail on your application could lead to a declined claim. Here is what TS60 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.
Cover Extras to Consider
Your standard policy covers the essentials. These extras could be worth adding after a traffic sign 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 TS60 Conviction?
Your quote depends on your total points, how recently the TS60 was issued, and your overall 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 TS60 is relatively minor. The loading is usually smaller than for drink-drive or dangerous driving convictions. |
| Time since your TS60 | Your price could reduce each year as the TS60 ages. A conviction from 3 years ago may cost less to insure than a recent one. |
| Other convictions | A TS60 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 TS60 loading is applied. |
| Claims history | A clean claims record could offset some of the loading from your TS60. |
| Cover level | Comprehensive costs more than third party only but provides more protection. Always compare all three levels. |
Price Insight: A TS60 with 3 points is minor in insurance terms. Because the code covers a wide range of signs, brokers focus on the actual circumstances rather than the code alone.
Ways to Cut Your Car Insurance Cost
A TS60 could increase your premium, but there are practical steps to reduce what you pay.
Compare Quotes Every Year
Your TS60 loading could reduce each year. Do not auto-renew - a school crossing conviction 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 TS60, the improvement could come quickly.
Pay Annually
Monthly payments include interest. Paying upfront could reduce the total cost, especially on a loaded premium.
Choose a Lower Group Vehicle
Lower-group vehicles cost less to insure. If you are changing cars, checking the group first could help.
Limit Your Mileage
Lower annual mileage could mean a lower premium. Only declare what you actually drive.
Add Security
An approved alarm, immobiliser, or tracker could reduce your premium with some insurers.
Park Off the Street
Off-street parking is lower risk. If you have a driveway or garage, make sure your insurer knows.
Saving Tip: Missing a sign in an unfamiliar area or during roadworks does not have to mean inflated premiums for years. Specialist brokers know which insurers price a TS60 as the minor code it is. Compare above.
How to Compare TS60 Car Insurance Quotes
Getting quotes after a TS60 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
This one weighs heavy. Children were nearby, a lollipop person had their sign raised, and you did not stop in time. Whether it was sun glare, a momentary distraction, or simply not seeing the patrol until it was too late - the consequences of what could have happened play on your mind far more than the points on your licence.
TS60 covers failing to comply with a school crossing patrol sign under Section 28 of the Road Traffic Regulation Act 1984. The penalty is 3 points and a fine up to £1,000, with discretionary disqualification. The endorsement stays on your licence for 4 years.
Specialist brokers understand that TS60 drivers are rarely careless people. The distress that comes with this conviction - knowing children were involved - is genuine, and they work with insurers who assess the full picture rather than just the code.
Co-founder of Clean Green Cars
Common TS60 Car Insurance Questions
What is a TS60 conviction?
Failing to comply with a sign displayed by a school crossing patrol officer (lollipop person). You must stop when the sign is shown, regardless of whether anyone is actively crossing.
How long does a TS60 stay on my licence?
Four years from the date of offence. Most insurers ask about the last 5 years.
Will a TS60 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 TS60?
Yes. Three points is minor and all cover levels should still be available.
Do I have to declare a TS60?
Yes. Not declaring any endorsement could invalidate your cover.
Is a TS60 common?
No. It is one of the rarer traffic sign codes because police-directed traffic situations are uncommon.
Is a TS60 a criminal conviction?
Technically yes, but dealt with by fixed penalty it is unlikely to appear on a standard criminal record check.
How much could a TS60 add to my insurance?
No fixed amount. Some insurers may not have specific pricing for this rare code. Specialist brokers know which providers treat it fairly.
Can I appeal a TS60?
Possibly, especially if the police directions were unclear. Seek legal advice within 21 days of conviction.
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
TS60 is one of several traffic sign endorsement codes, alongside TS70 (undefined traffic sign) 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 traffic sign (excluding stop signs, traffic lights or double white lines)
Compare TS50 quotesUndefined failure to comply with a traffic direction sign
Compare TS70 quotesSearch & compare quotes from UK TS60 Car Insurance Providers
Useful Resources
- GOV.UK – Penalty Points – How penalty points and endorsements work on UK driving licences.
- The Highway Code – Rules on school crossing patrols and stopping requirements.
- Sentencing Council – Sentencing guidelines for motoring offences.
- Check Your Driving Licence – View your endorsements and penalty points online.
