Why Compare TS70 Car Insurance?
Catch-All Codes Can Confuse Insurers
Some providers may not recognise TS70 or may apply a generic loading because the offence is undefined. Clean Green Cars introduces you to brokers who know which insurers price catch-all codes fairly.
Three Points for an Undefined Offence
A TS70 carries just 3 points. Specialist brokers place you with insurers who understand the minor nature of this endorsement.
One Form, Specialist Quotes
Clean Green Cars connects you with brokers who send quotes from providers experienced with all traffic sign conviction codes, including TS70.
TS70 Car Insurance At A Glance
- A TS70 means you were convicted of an undefined failure to comply with a traffic sign. It is the catch-all code used when the offence does not fit into a more specific TS category.
- The conviction carries 3 penalty points and stays on your licence for 4 years from the date of offence.
- Specialist brokers treat a TS70 as a minor endorsement and know which insurers accept catch-all traffic sign codes.
- Fill in the form above to compare quotes from specialist brokers who cover undefined traffic sign convictions.
What Is a TS70 Conviction?
TS70 is a DVLA catch-all endorsement code – undefined failure to comply with a traffic sign or direction. Here’s how the law defines it:
- Who it applies to – Any driver of a motor vehicle who is convicted of failing to comply with a traffic sign or direction where the offence does not fit a more specific TS code such as TS10 (traffic lights) or TS30 (stop signs).
- What counts as a TS70 offence – Any regulatory traffic sign or direction breach that a court records under the catch-all code because it does not map to an existing numbered TS category.
- How the duty arises – Automatically on conviction, when the court decides the offence merits a traffic-sign endorsement but does not fall within one of the more specific TS codes.
| Penalty | Details |
|---|---|
| Penalty Points | 3 |
| Driving Ban | Discretionary. Rare for a TS70 offence. |
| Maximum Fine | Up to £1,000 |
| Time on Licence | 4 years on licence from date of offence |
| Spent After | A TS70 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 TS70 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 TS70 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 TS70 on an otherwise clean licence. Insurers may ask for more detail because the code does not identify the specific sign involved.
Clean Green Cars introduces you to specialist brokers experienced with traffic sign offences including catch-all codes like TS70. If you need short-term cover while comparing, temporary car insurance with convictions may bridge the gap.
Who Needs TS70 Car Insurance?
Because TS70 is a catch-all code, some mainstream insurers may not recognise it. Van drivers can compare convicted driver van insurance. Here is who benefits from specialist TS70 quotes.
Temporary Sign At Roadworks You Did Not Understand
A sign appeared in the middle of a contraflow, a diversion, or a lane closure. It was not a standard sign, the layout was chaotic, and you misread or missed it. Being convicted for failing to comply with a sign you did not comprehend feels absurd.
Sign Not On Your Usual Route
You take this road rarely or never. A sign that locals know by heart caught you out because you were seeing it for the first time. Familiarity is not a legal requirement, but the conviction feels like it should be.
Historic Charge And You Cannot Remember The Sign
The offence happened long enough ago that you cannot picture the sign, the road, or the circumstances. The conviction sits on your licence as a mystery - one you cannot explain to insurers because you cannot explain it to yourself.
Multiple Signs In One Place Caused Confusion
There were too many signs - speed, direction, restriction, warning - all clustered on the same pole or stretch of road. You processed most of them. The one you missed is now the one that counts. Information overload is not a defence, but it should be.
Sign Contradicted The Road Markings
The sign said one thing, the road markings said another. You followed the markings - or the sign - and whichever you chose was wrong. When the road infrastructure disagrees with itself, the driver is left holding the conviction.
Worth Knowing: If your conviction does not fit the other TS categories, Clean Green Cars connects you with brokers who understand catch-all codes and can explain them to insurers.
What TS70 Car Insurance Covers
A TS70 does not change what your policy covers. It affects your price 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: Do not assume a catch-all code limits your options. Compare all three cover levels to find the most competitive.
What TS70 Car Insurance May Not Cover
An overlooked detail could mean a declined claim. Here is what TS70 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.
Optional Add-Ons to Consider
Your standard policy covers the essentials. These extras could be worth adding after an undefined 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 TS70 Conviction?
Your quote depends on your total points, how recently the TS70 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 TS70 is relatively minor. The loading is usually smaller than for drink-drive or dangerous driving convictions. |
| Time since your TS70 | Your price could reduce each year as the TS70 ages. A conviction from 3 years ago may cost less to insure than a recent one. |
| Other convictions | A TS70 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 TS70 loading is applied. |
| Claims history | A clean claims record could offset some of the loading from your TS70. |
| Cover level | Comprehensive costs more than third party only but provides more protection. Always compare all three levels. |
Price Insight: A TS70 with 3 points is minor. Specialist brokers can find providers who price undefined codes fairly rather than applying blanket loadings.
Ways to Cut Your Car Insurance Cost
A TS70 could push your premium up, but practical steps like fitting a telematics box could help reduce the cost.
Compare at Every Renewal
Your TS70 loading could reduce each year. With an undefined code, comparing is especially important because pricing varies widely. Get quotes above.
Explain What Happened
TS70 is vague by nature. When speaking to a broker, explain the actual circumstances. A minor underlying situation could attract a much lower loading.
Build a Clean Record
Each conviction-free, claim-free year helps. With a minor code like TS70, the loading should ease over time.
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: An undefined code does not mean an undefined price increase. Specialist brokers know which insurers look at the actual circumstances behind a TS70. Compare above.
How to Compare TS70 Car Insurance Quotes
Getting quotes after a TS70 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 TS70 is confusing in a way that most convictions are not. Nobody can tell you exactly which sign you failed to comply with, because TS70 is the catch-all - the code used when the offence does not fit TS10 through TS60. You know you did something wrong near a traffic sign, but the specifics are maddeningly vague.
TS70 covers undefined failure to comply with a traffic sign, under Section 36 of the Road Traffic Act 1988. It carries 3 points and a fine up to £1,000, with the endorsement remaining on your licence for 4 years. Disqualification is discretionary.
The ambiguity of TS70 can work against you with insurers who assume the worst about an undefined code. Specialist brokers know how to explain what TS70 actually means - and more importantly, what it does not mean - to underwriters who will price it fairly.
Co-founder of Clean Green Cars
Common TS70 Car Insurance Questions
What is a TS70 conviction?
Undefined failure to comply with a traffic sign. The catch-all code for sign offences that do not fit into TS10 through TS60.
How long does a TS70 stay on my licence?
Four years from the date of offence. Most insurers ask about the last 5 years.
Will a TS70 affect my car insurance?
It could increase your premium. With 3 points it is minor, but some insurers apply a generic loading for undefined codes.
Can I get comprehensive cover with a TS70?
Yes. Three points is minor and all cover levels should still be available.
Do I have to declare a TS70?
Yes. Not declaring any endorsement could invalidate your cover.
Why is my offence coded as TS70?
The endorsement system has specific codes for common sign offences. If yours did not fit any of them, the court used TS70 as the catch-all.
Is a TS70 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 TS70 add to my insurance?
No fixed amount. Pricing varies widely because the code is undefined. Comparing could reveal which insurers treat it fairly.
Can I appeal a TS70?
You may be able to challenge the conviction. Seek legal advice within 21 days if you believe it was unfair.
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
TS70 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 traffic sign (excluding stop signs, traffic lights or double white lines)
Compare TS50 quotesFailing to comply with a school crossing patrol sign
Compare TS60 quotesSearch & compare quotes from UK TS70 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 driver responsibilities.
- Sentencing Council – Sentencing guidelines for motoring offences.
