What is a IN10 endorsement?

IN10 is the DVLA code for using a vehicle uninsured against third party risks. It carries 6 to 8 points and stays on the driving record for 4 years from the date of the offence. The points count towards the 12 point totting total for 3 years from the offence date, which is a different clock from the 4 year print period. Use the number on your record, which will sit inside the published range. The code is what a licence check shows an insurer or an employer.

How many points does IN10 carry?

6 to 8 points, which is the range DVLA publishes. A fixed penalty, where one exists for the underlying offence, uses a single number inside that range. A court can use any number in the range, or can disqualify instead of points where the offence guideline allows it. A new driver is revoked at 6 points, so a code at the top of its range can cancel a new licence on its own.

How long does IN10 stay on a licence?

4 years from the date of the offence. It counts towards totting for 3 years from the offence date. After that it can still be visible until the 4 year point. Drink and drug codes use conviction as the start of the 11 year stay. Most other codes, including this one if it is a 4 year code, use the offence date. Insurers ask about unspent convictions, which is not the same clock.

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.

Will IN10 revoke a new driver?

Yes, if 6 or 8 points are imposed inside 2 years of the first pass. The published fixed penalty is 6 points, which is the revocation line on a clean new licence. Getting a policy after the stop does not cancel the points. You apply for a provisional and pass both tests again. The IN10 still prints for 4 years from the offence.

Can a court ban me instead of IN10 points?

Yes. The no insurance guideline includes disqualification in its higher categories, with no points if disqualified in Category 1. Category 3 is 6 to 8 points without a published ban range. The letters on the licence still reflect what the court ordered. A ban is not a way to hide the fact of uninsured driving from an insurer who asks about convictions.

Does a named-driver policy stop an IN10?

Only if that policy actually covered you, in that vehicle, for that use. A partner's policy, a hire car and a company van are different documents. Fronting is higher culpability on the offence guideline and still produces IN10 if you are convicted. Read the schedule, not the group chat.

How long do insurers care about IN10?

The code prints for 4 years from the offence. Insurers ask about unspent convictions, which can be a different period. No official premium percentage is published. Some underwriters will not quote at all while the code is live. Answer the questions. Do not guess a date it 'no longer matters'.

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

Published points

Driver and Vehicle Licensing Agency, Penalty points endorsements: endorsement codes and penalty points (as of 10 September 2026)

4 years

From offence

Driver and Vehicle Licensing Agency, How long endorsements stay on your driving record (as of 10 September 2026)

Not published

Official code specific premium change

Department for Transport, The Highway Code: Annex 5, penalties (as of 10 September 2026)

Checked on 10 September 2026.

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.

What does an IN10 mean on a driving licence?

IN10 is using a vehicle uninsured against third party risks. DVLA publishes 6 to 8 points and a stay of 4 years from the date of the offence. The current fixed penalty is 6 points. A court can use 8, or can disqualify in the higher categories of the no insurance guideline. Six points revokes a new driver. Eight points on top of 4 live points is a totting case.

IN10 is one of the codes insurers treat as serious even without an official percentage. The Highway Code says costs are likely to rise considerably after a serious driving conviction. Answer the questions. Some underwriters will not quote until the code is gone.

A lapse of a week, a named-driver mix-up and never insuring a taxi all produce IN10. They do not produce the same court category. They do produce the same letters on the licence if points are imposed.

IN10 stays 4 years from the offence and counts for 3. At 6 or 8 points it is a new-driver and totting problem, not only an insurance problem.

Example

A new driver, policy lapsed, 6 point IN10

First pass: 10 months ago
Existing points: None
Code: IN10, 6 points

The published fixed penalty is 6 points.
6 meets the new driver threshold with no previous codes.
DVLA revokes. A policy bought the next morning does not restore the photocard.
Retake both tests on a new provisional.
The IN10 still prints for 4 years from the offence even after you pass again.

A single 6 point IN10 ends a new licence. Getting insured afterwards is necessary. It is not a cure for the points already imposed.

How does IN10 affect work, hire cars and a company van?

A driving job can end on IN10 even when 12 points is far away. A hire company can refuse you. A company van policy can exclude you. Tell the employer before the next licence check. Fronting and commercial use on a social policy are how people collect a second IN10, which is how court categories rise.

Scotland uses the same letters on a GB licence. The Band C court starting fine on the offence page is England and Wales. Northern Ireland uses DVA. Vehicle seizure can still happen.

A company cannot take IN10 points. The human driver can. Both can be in play.

Published range 6 to 8 points, stay 4 years from the date of the offence.
Fixed penalty uses 6 points.
Court can use 8, or ban in higher categories.
6 points revokes a clean new driver.

What do people get wrong about IN10?

That a few days' lapse is not endorsed. It is. That the keeper, not the driver, always takes the code. The driver is endorsed for driving. That 6 points is absorbable for a new driver. It is the revocation line. That buying a policy at the roadside wipes the code. It does not.

What happens if I ignore a no-insurance notice?

The vehicle may already have been seized. Ignoring the postal follow-up does not release it. A court can still impose an unlimited fine and a ban. Six points still go on if that is the disposal, and a new driver is still revoked. Buying a policy the next morning does not cancel points already offered or imposed.

A keeper notice that asks who was driving an uninsured car is still a notice you must answer. Silence can become MS90 as well as IN10. That is 6 plus 6.

Fronting investigations take longer than a roadside lapse. Do not treat a quiet month as a closed case. When the summons arrives, the category on the offence guideline may already be the higher one because of false details.

How does IN10 affect work, hire and a named-driver policy?

Insurers treat IN10 as a serious code. Some will not quote. A driving job can end. A hire desk can refuse. Tell the truth on the next proposal, including the dates. No official premium percentage is published, so this page shows none.

A named-driver policy on a partner's car covers only that car and that use. A company van after you have left the job is not covered by last month's fleet policy. A hire car needs the hire firm's cover plus any extra-driver terms. Each of those failures is still IN10 if you drive.

A Scottish no-insurance case is entered as IN10 on the GB licence. Vehicle seizure still happens. The Band C court starting pounds on the offence page are England and Wales only.

How do I read IN10 on a licence check?

IN10 plus 6 or 8 points is the usual print. A ban in a higher category may mean no points on that row and a disqualification instead. Give the letters and the disposal. 'Uninsured for a week' without the code is not what the form asked.

Some proposals ask about previous insurance refusals as well as convictions. IN10 can trigger both. Answer both. No official premium percentage exists. A refusal to quote is a market fact, not a figure this page can invent.

A seized vehicle is not printed as IN10. The code is the endorsement. The seizure is a separate police action. An employer who asks 'did they take the van?' wants a yes or no as well as the letters.

Note IN10, offence date, points or ban.
Note whether the vehicle was seized.
Add the date to the calculator with other live codes.
On the next insurance proposal, answer convictions and any question about previous insurance problems.

Who do I contact about an IN10, and by when?

If the vehicle was seized, the notice that came with the seizure says how to get it back. A valid policy and a driver who can move it are usually required. That is separate from the 6 point offer or the court date. Buying a policy does not cancel points already imposed.

The insurer you then use must be told about the conviction when they ask. A broker who says 'do not mention it' is not a source this page will follow. The Ministry of Justice spent-conviction guidance is the declaration source, not a broker's wink.

A named-driver mix-up is still IN10 if you drove. Contact the policyholder and the insurer to see what was actually on cover, then decide whether to accept 6 points or to have a hearing on the facts. The deadline is on the notice, not on the policy schedule.

Common questions

What is a IN10 endorsement?: IN10 is the DVLA code for using a vehicle uninsured against third party risks. It carries 6 to 8 points and stays on the driving record for 4 years from the date of the offence. The points count towards the 12 point totting total for 3 years from the offence date, which is a different clock from the 4 year print period. Use the number on your record, which will sit inside the published range. The code is what a licence check shows an insurer or an employer.
How many points does IN10 carry?: 6 to 8 points, which is the range DVLA publishes. A fixed penalty, where one exists for the underlying offence, uses a single number inside that range. A court can use any number in the range, or can disqualify instead of points where the offence guideline allows it. A new driver is revoked at 6 points, so a code at the top of its range can cancel a new licence on its own.
How long does IN10 stay on a licence?: 4 years from the date of the offence. It counts towards totting for 3 years from the offence date. After that it can still be visible until the 4 year point. Drink and drug codes use conviction as the start of the 11 year stay. Most other codes, including this one if it is a 4 year code, use the offence date. Insurers ask about unspent convictions, which is not the same clock.
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.
Will IN10 revoke a new driver?: Yes, if 6 or 8 points are imposed inside 2 years of the first pass. The published fixed penalty is 6 points, which is the revocation line on a clean new licence. Getting a policy after the stop does not cancel the points. You apply for a provisional and pass both tests again. The IN10 still prints for 4 years from the offence.
Can a court ban me instead of IN10 points?: Yes. The no insurance guideline includes disqualification in its higher categories, with no points if disqualified in Category 1. Category 3 is 6 to 8 points without a published ban range. The letters on the licence still reflect what the court ordered. A ban is not a way to hide the fact of uninsured driving from an insurer who asks about convictions.
Does a named-driver policy stop an IN10?: Only if that policy actually covered you, in that vehicle, for that use. A partner's policy, a hire car and a company van are different documents. Fronting is higher culpability on the offence guideline and still produces IN10 if you are convicted. Read the schedule, not the group chat.
How long do insurers care about IN10?: The code prints for 4 years from the offence. Insurers ask about unspent convictions, which can be a different period. No official premium percentage is published. Some underwriters will not quote at all while the code is live. Answer the questions. Do not guess a date it 'no longer matters'.