Car insurance with an MS90 conviction
Last updated: 06/12/2021 | Estimated Reading Time: 2 minutes
An MS90 conviction is a relatively catch-all category of traffic offence. You could be given an MS90 conviction at a traffic stop, or it could come through the post. In this guide we'll break down what exactly an MS90 conviction entails, and what having one means for your car insurance premiums in future.
An MS90 conviction is a driving offence given to anyone who fails to give information as to the identity of the driver of the vehicle on request.
There is more than one reason why you may be administered an MS90 conviction:
If you're involved in an accident and the police are required at the scene, you must present your licence as evidence of who was driving the car on request. Failure to present this evidence will result in being given an MS90 notice.
You can also receive an MS90 notice if you're stopped at a census checkpoint or traffic stop and don't have your licence to hand.
Finally, and perhaps most commonly, you can be given an MS90 notice if you fail to update the registered address of your vehicle to the DVLA when you change address. This often happens when a driver is caught offending by a camera, such as speeding or using a mobile phone at the wheel. When the notice of intended prosecution is posted to the registered address, it must be received by the driver in question. If for whatever reason the address had not been updated that driver's offence will also include an MS90 conviction.
In some cases, like when a serious speeding offence has been committed, these two convictions together could be enough to disqualify the driver from driving, unless they're able to downgrade the speeding offence by taking a speed awareness course.
An MS90 conviction results in 6 penalty points on your licence, and a fine of up to £1000. If you receive 12 penalty points in a 3 year period you could be disqualified from driving for up to 6 months in accordance with the totting up scheme.
An MS90 conviction will increase the cost of your car insurance premiums. As the offence carries 6 penalty points it's likely your insurance will increase substantially, possibly up to 30%. For this reason it's important to shop around for convicted driver insurance.
An MS90 conviction will remain on your licence for four years from the date of the offence.