Compare CU20 Insurance
Car insurance with a CU20, One short form – save time & money
Don’t have your registration number? No problem, click here.
Policies and deals from industry leading insurance providers, including
Tailored quotes from a panel of convicted driver insurance specialists
Related Insurance
Guide To cu20 Car Insurance
A CU20 is a driving licence conviction code given to a driver who causes or is likely to cause harm by using an unsuitable vehicle whose parts and accessories (except steering, brakes, or tyres) are in high-risk conditions.
An example of a CU20 offence could be when a person tries to drive a car built with dangerous modifications, like a vehicle powered by fireworks. It could also be as simple as driving a vehicle with broken headlights.
MultiQuoteTime can provide access to a panel of CU20 car insurance providers that specialise in convicted driver insurance.
CU20 conviction at a Glance
| CODE | Offence description | Disqualification | Duration Conviction Stays on your Licence | Endorsement codes and penalty points category |
|---|---|---|---|---|
| CU20 | Causing or likely to cause danger by reason of using an unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, tyres, or steering) in a dangerous condition. | 3 Penalty Points | The CU20 conviction code must stay on your driving record for 4 years from the date of the offence. | Construction and use offences. |
Please note that if you get more than 12 points on your licence in 3 years, you can get banned from driving, referred to as TT99 or totting up offence. When you get penalty points for an offence, the court can decide to disqualify you, fine you, or even put you in jail.
Can you get CU20 insurance?
Yes, you can get insurance with a CU20 conviction, but it would be very difficult to find insurance providers that are willing to offer a convicted driver car insurance policy to convicted drivers. And when you do, the rate may be very expensive due to your CU20 endorsement record.
This is because insurance companies see drivers with CU20 convictions on their licences as more risky, leading to higher premiums compared to those with clean licences.
Therefore, to find a suitable CU20 insurance policy at a fair price, you may have to look for insurers that offer insurance specifically designed for convicted drivers or can be tailored to your unique conviction.
Do you have to disclose all convictions for vehicle insurance?
Yes. It is essential to disclose any driving conviction you have to your insurance company or broker.
This is important because your insurance may become invalid for yourself and all named drivers if you do not provide the necessary information that will help the insurer provide adequate coverage for your unique situation.
Avoid false declaration of driving conviction, as this is a breach of the law and may have consequences.
Is CU20 car insurance more expensive?
Yes, in most cases, your car insurance will become more expensive with a CU20 conviction. Nevertheless, your insurance premium will be less expensive than that of drivers with serious convictions and more penalty points on their licence.
Take Steps To Reduce The Cost of CU20 Insurance
When shopping for cheap CU20 insurance, consider going for a vehicle that will be cheaper to insure. Also, try to compare quotes from high-risk insurers or find specialist motor insurance for CU20 conviction.
You can also reduce your insurance costs by driving less and reducing your total annual mileage. During the period of your CU20 motoring convictions, avoid accumulating more penalty points and criminal convictions, as this may increase your insurance premium and lead to a driving ban.
If you happen to be driving a car in one of the high insurance groups, a more drastic but effective would be to consider a car in insurance group 7 or any group that have cars that can be insured more cheaply.
How Long Will A CU20 Stay On My Licence?
The period of the endorsement is 4 years on your licence, but for insurance you will need to declare for a period of 5 tears from conviction date. Failure to do will invalidate any insurance and land you in a heap of trouble.
Need Help Finding cu20 Insurance?
Getting comparative car insurance quotes after being disqualified by a CU20 conviction is easy. All you have to do is click or tap the Get Quotes Button, and you will be able to compare quotes from a panel of specialist car insurance providers in a matter of minutes.