Endorsement code
IN10: Using a vehicle uninsured against third party risks
Summary: IN10 carries 6 to 8 points and stays on the driving record for 4 years from the offence.
6 to 8 points
4 years
Not published
Checked on .
When must IN10 be declared?
- Answer an insurer's questions about unspent convictions. A road traffic endorsement may become spent after 5 years for an adult or 2 years 6 months if under 18, but another sentence can make the period longer.
- The time an endorsement remains on the licence is not a universal insurance declaration period.
- If an insurer asks about unspent convictions, answer the question accurately.
How can IN10 affect insurance?
- No official code specific premium change is published. The Highway Code says insurance costs are likely to rise considerably after conviction for a serious driving offence.
- No official source publishes a fixed premium increase for this code, so no percentage is shown.
Common questions
- What is a IN10 endorsement?
- Using a vehicle uninsured against third party risks
- How many points does IN10 carry?
- 6 to 8 points
- How long does IN10 stay on a licence?
- 4 years from the date of the offence.
- What does IN10 do to insurance?
- No official code specific premium change is published. The Highway Code says insurance costs are likely to rise considerably after conviction for a serious driving offence.
Related pages
Sources
- Driver and Vehicle Licensing Agency, Penalty points endorsements: endorsement codes and penalty points (as of 10 September 2026)
- Driver and Vehicle Licensing Agency, How long endorsements stay on your driving record (as of 10 September 2026)
- Ministry of Justice, Guidance on the Rehabilitation of Offenders Act 1974 and the Exceptions Order 1975 (as of 10 September 2026)
- Department for Transport, The Highway Code: Annex 5, penalties (as of 10 September 2026)