Why Compare UT50 Car Insurance?
Many Standard Insurers May Decline UT50
Aggravated vehicle taking combines theft and dangerous driving, which makes it a high-risk conviction in the eyes of most mainstream insurers. Clean Green Cars introduces you to specialist brokers who work specifically with convicted drivers and have access to providers who accept UT50.
The Loading Could Vary Significantly
With 3 to 11 possible penalty points, the premium loading on a UT50 depends heavily on the specific circumstances of your case. Comparing through Clean Green Cars connects you with brokers who understand how different point levels affect pricing across their panels.
Specialist Brokers Know Which Providers Accept UT50
Rather than being declined by mainstream comparison sites, one form through Clean Green Cars introduces you to brokers who already cover drivers with serious convictions. This could save time and reveal options you would not find elsewhere.
Car Insurance With a UT50 Conviction At A Glance
- UT50 relates to aggravated taking of a vehicle and carries 3 to 11 penalty points, with possible disqualification.
- Specialist brokers work with insurers experienced in covering drivers with serious theft-related convictions.
- Your premium loading could be significant at first but may reduce as the conviction ages and your driving record stays clean.
- Cover could still be available at comprehensive, TPFT and third party levels through specialist brokers.
- Fill in the form above to compare quotes from specialist brokers who handle UT50 convictions.
What Is a UT50 Conviction?
UT50 is a statutory offence under Section 12A of the Theft Act 1968 – aggravated vehicle taking. Here’s how the law defines it:
- Who it applies to – Anyone who takes a vehicle without the owner’s consent, and then drives it dangerously, is involved in an accident causing injury, causes damage to other property, or damages the vehicle itself.
- How it differs from UT10 – UT10 is simple “taking without consent” (joyriding). UT50 is the aggravated form: the taking plus one of four additional elements (dangerous driving, injury, damage to property, or damage to the vehicle).
- Why insurers treat it seriously – UT50 sits at the intersection of theft and dangerous driving on your record. It is an either-way offence – most are tried in the Crown Court – and carries up to 2 years custody, with a discretionary disqualification.
| Penalty | Details |
|---|---|
| Penalty Points | 3 to 11 |
| Driving Ban | Discretionary disqualification possible |
| Maximum Fine | Unlimited |
| Time on Licence | 4 years on licence from date of conviction |
| Spent After | 5 years from date of conviction (or longer if sentenced to prison) |
Can You Get Insurance With a UT50 Conviction?
A UT50 carries between 3 and 11 penalty points that stay on your licence for 4 years from the date of conviction. Under the Rehabilitation of Offenders Act 1974, the conviction becomes spent 5 years from the date of conviction, unless a prison sentence was imposed, in which case the rehabilitation period could be longer.
You must declare your UT50 for as long as your insurer asks about convictions, which is usually 5 years. Your insurer will want to know the date of the conviction, the code, the number of points, and whether a disqualification was imposed. Failing to declare could invalidate your cover.
Specialist brokers who work with convicted drivers every day know which insurers accept UT50 convictions. If you need short-term cover, temporary car insurance for convicted drivers is available. Clean Green Cars introduces you to these brokers, so you could compare quotes from providers experienced with serious motoring offences.
A UT50 stays on your licence for 4 years from the date of conviction. Because it is a criminal offence, some insurers may ask about it for longer than the standard 5 years. Many mainstream providers may decline to quote drivers with aggravated vehicle taking convictions.
The key to finding cover after a UT50 is working with brokers who specialise in convicted driver insurance for serious motoring convictions. They have access to underwriters who assess each case individually rather than applying blanket declines based on the offence code.
Clean Green Cars introduces you to these brokers, so you could compare prices from providers experienced with criminal motoring convictions. Each clean year you build after your UT50 could help bring your loading down at renewal.
Who Needs UT50 Car Insurance?
Standard insurers often decline to quote after a UT50. Drivers who have also been banned under totting up (TT99) face additional challenges. Here is who typically benefits most from comparing UT50 car insurance through specialist brokers.
Returning After a Ban
Your disqualification has ended and you need cover before you can drive again. The first policy after a UT50 ban is difficult to find on your own. Specialist brokers could source cover from providers who accept drivers returning after serious convictions.
UT50 With No Ban
You received points but no disqualification. Your circumstances may have been less serious than the code suggests. Specialist brokers could find providers who consider the detail, not just the label.
Multiple Convictions
Your UT50 sits alongside other endorsements. A complex record needs a broker experienced with serious convictions who could present your full picture to the right insurers.
Young Driver With UT50
You were younger when it happened. Carrying a UT50 on top of already-high young driver premiums feels overwhelming. Specialist brokers could find providers who do not penalise youth and a past mistake together unfairly.
Declined Elsewhere
Mainstream insurers have declined to quote. That feels like a dead end, but specialist brokers work with panels specifically designed for serious convictions.
Worth Knowing: Clean Green Cars introduces you to brokers who regularly cover drivers with UT50 convictions. One form reaches multiple specialists who understand serious offences.
What UT50 Car Insurance Covers
A UT50 on your licence does not change what your policy is designed to cover. It changes how much you pay and which providers will accept your application. Van drivers can compare convicted driver van insurance.
Here is what each level of cover could include. Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Damage to other vehicles and property | Included | Included | Included |
| Injury to other people | Included | Included | Included |
| Fire and theft of your vehicle | Included | Included | Not included |
| Accidental damage to your vehicle | Included | Not included | Not included |
| Windscreen and glass cover | Usually included | May be included | Not included |
| Personal belongings cover | Usually included | Not usually included | Not included |
Cover Tip: Even with a serious conviction like UT50, comprehensive cover could be available through specialist brokers. Do not assume you are limited to third party only without comparing.
What UT50 Car Insurance May Not Cover
With a serious conviction like UT50, undisclosed details could have significant consequences. Here is what UT50 car insurance usually does not cover.
Standard Exclusions
- Undeclared convictions - If you do not declare your UT50 or any other conviction when asked, your insurer may decline a claim or invalidate your cover entirely.
- Driving while disqualified - If your licence has been revoked or you are serving a ban, your policy will not cover you while driving.
- Driving under the influence - Claims arising while you are over the legal alcohol or drug limit are typically excluded.
- Undeclared vehicle use - If you use your vehicle for business but only declared social and commuting use, a claim could be declined.
- Undeclared modifications - Undeclared vehicle modifications could invalidate your cover. Always inform your insurer about changes.
- Wear and tear - Gradual deterioration, mechanical failure, and general wear are not covered under motor insurance.
- Racing and track use - Using your vehicle for racing, rallies, or track days is excluded unless you have specific track day cover.
Important Limitations
- Driver age restrictions - Some policies apply minimum and maximum driver age limits, which may be stricter after a serious conviction.
- Passenger Number Restrictions - Some policies cap the number of passengers you can carry. Check the condition before driving with a full car.
- Courtesy Car Limits - A courtesy car may not be provided in every claim scenario, and where offered it may be a smaller category of vehicle than your own.
Cover Add-Ons Worth Considering
Your standard policy is designed to cover the basics. These extras could fill gaps that matter more after an aggravated vehicle taking conviction.
May help cover roadside assistance, recovery, and onward travel if your vehicle breaks down.
May help cover legal costs if you need to dispute a claim or pursue an uninsured driver. Subject to policy limits.
May provide a temporary replacement vehicle while yours is being repaired after a covered claim.
May provide a lump sum if you or your passengers are injured in an accident. Subject to policy limits.
May help locate your vehicle if it is stolen. Could also reduce your premium after a theft-related conviction.
May help cover the cost of retrieving your vehicle if it has been seized by police. Subject to policy terms.
What Affects the Cost of Car Insurance with a UT50 Conviction?
Your quote depends on the number of points, whether you were disqualified, and how recently the offence occurred. New drivers may face even higher loadings. Here are the key factors that could affect your price.
| Key Factor | Impact on Your Price |
|---|---|
| Number of penalty points | A UT50 with 11 points could attract a much higher loading than one with 3 points. The point count directly affects your premium. |
| Disqualification | If you were disqualified, insurers view this as more serious. Cover may only be available after your ban ends. |
| Conviction age | A recent UT50 could attract a higher loading than one from 3 years ago. The impact typically reduces over time. |
| Other convictions | If you have other endorsements alongside your UT50, the combined risk profile could push your premium higher. |
| Vehicle type and value | Higher-value vehicles and performance cars typically cost more to insure after a theft-related conviction. |
| Where you live | Areas with higher vehicle crime rates could mean higher premiums alongside a UT50 conviction. |
| Driving experience | Newer drivers with a UT50 could face significantly higher quotes. Years of clean driving help offset the loading. |
| Security measures | Approved alarms, immobilisers, and trackers could help reduce your premium, especially after a theft-related conviction. |
Price Insight: A UT50 with 11 points and a ban attracts a very different loading from one with 3 points and no disqualification. Every case is different, which is why comparing through specialists matters.
Ways to Cut Your Car Insurance Cost
A UT50 could push your premium up significantly, but there are practical steps that could help bring it down over time. A telematics policy could demonstrate safer driving habits. Here are some ways to cut what you pay.
Compare Through Specialists
Standard comparison sites may not cover UT50. Specialist brokers have access to panels designed for serious convictions. Start comparing above.
Fit a Vehicle Tracker
A Thatcham-approved tracker could reduce your premium. After a theft-related conviction, demonstrating you take vehicle security seriously could make a real difference.
Increase Your Voluntary Excess
A higher excess could cut your premium. On a heavily loaded UT50 policy, the saving could be significant. Make sure you can afford it.
Build a Clean Driving Record
Each claim-free year demonstrates that the UT50 was an isolated incident. Your loading should reduce as you build a clean record.
Secure Your Parking
A locked garage or driveway could help reduce your premium. After a theft-related conviction, secure parking matters more to insurers.
Consider Telematics
A black box could prove safe driving habits and help rebuild your insurability over time.
Pay Annually If Possible
Monthly instalments include interest, which adds up fast on a high premium. Paying upfront could save you a meaningful amount.
Saving Tip: The UT50 label carries a stigma that may not reflect your circumstances. Specialist brokers know which insurers look beyond the code and assess each case individually. Compare above.
How to Compare UT50 Car Insurance Quotes
Getting quotes after a UT50 may take a little longer than for minor convictions. Here is how it works. Get started above when you are ready.
Fill in the quote form
Enter your details, vehicle information, and UT50 conviction details including points and any disqualification. Start at the top of this page.
Get matched with brokers
Clean Green Cars introduces you to specialist brokers who handle serious conviction insurance.
Receive your quotes
Brokers search their panels for providers who accept UT50 convictions and send you their options.
Compare and choose
Review the quotes, check cover levels, and pick the policy that fits your needs and budget.
Get covered
Once you choose, your broker handles the paperwork so you can get back on the road legally.
What Our Expert Says
A UT50 carries a weight that goes beyond the points on your licence. Aggravated vehicle taking is associated with joyriding, and that association can feel deeply unfair if your circumstances were different. Perhaps you were a passenger, perhaps you did not realise the vehicle was taken without consent, or perhaps it happened years ago and you have moved on. The label sticks, but your options are not as limited as they might feel.
UT50 relates to aggravated taking of a vehicle, carrying 3 to 11 penalty points with possible disqualification. It is one of the more serious endorsement codes because it combines vehicle theft with an aggravating factor like dangerous driving or causing injury.
Many mainstream insurers decline UT50 applicants, but specialist brokers deal with serious convictions every day. They know which providers assess each case individually. Your premium will likely be higher than average, but it should reduce over time as your record stays clean.
Co-founder of Clean Green Cars
Common UT50 Car Insurance Questions
What is a UT50 conviction?
Aggravated taking of a vehicle – taking a vehicle without consent combined with an aggravating factor like dangerous driving, causing injury, or causing damage.
How many points does a UT50 carry?
Between 3 and 11. The court decides based on the circumstances and severity.
Can I get car insurance with a UT50?
Yes, through specialist brokers. Many mainstream insurers decline, but specialists know which providers consider UT50 applicants.
How long does a UT50 stay on my licence?
Four years from the date of conviction. Most insurers ask about the last 5 years.
Will a UT50 make my insurance very expensive?
Your premium will likely be higher than average, but it should reduce over time as your record stays clean.
Do I have to declare a UT50?
Yes. Not declaring could invalidate your entire policy.
What is the difference between UT50 and basic vehicle theft?
UT50 involves an aggravating factor beyond simple taking – dangerous driving, causing injury, or causing damage during the incident.
Can I get comprehensive cover with a UT50?
Possibly. Specialist brokers could source comprehensive cover even after serious convictions. Always ask about all three levels.
Can a UT50 lead to prison?
Yes. Aggravated vehicle taking can carry a prison sentence in serious cases, particularly where injury was caused.
What happens after I submit my details?
A specialist broker contacts you directly with quotes. There is no obligation to buy.
Related Theft and Unauthorised Taking Codes
UT50 is the aggravated form of vehicle taking. Other related codes like IN10 (no insurance) cover different aspects of vehicle theft and unauthorised use. Here are the related conviction codes.
Search & compare quotes from UK UT50 Car Insurance Providers
Useful Resources
- GOV.UK – Penalty Points – Find out when your points expire and how the totting-up system works.
- DVLA – Check Your Licence – View your current points and convictions online.
- Sentencing Council – Aggravated Vehicle Taking – Sentencing guidelines for UT50 offences.
- Legislation.gov.uk – Theft Act 1968 s.12A – The law on aggravated vehicle taking.
