TS10 convictions, administered for not obeying a traffic signal, are becoming more and more common, not least as more and more cameras are mounted on traffic lights. But what exactly does a TS10 conviction entail, and what does it mean for your car insurance if you receive one?
In This Guide:
What is a TS10 conviction?
A TS10 conviction is incurred when a driver fails to comply with a traffic signal. In practice this means when you travel through a red light. TS10 convictions are becoming more and more common in the UK as traffic lights are fitted with cameras on top. This also means the number of drivers with points on their licence for failing to obey a traffic signal is on the rise too. These points can affect future insurance applications. Check out our guide on convicted driver insurance for more information.
What is the punishment for running a red light in the UK?
The punishment for a TS10 offence is a £100 fine and 3 points on your licence. If you receive 12 or more points on your licence in a 3-year period, or 6 points within the first 2 years of receiving your licence, you will be banned from driving.
To learn more, check out our guide on penalty points.
How does a TS10 conviction affect my car insurance?
You must declare your TS10 conviction to your insurer for 4 years from the date of the offence, or you risk voiding your insurance policy.
The conviction itself is likely to negatively affect your insurance, but not as severely as some other traffic offences. The 3 points you receive on your licence are likely to push up your insurance premiums by around 5% on average.
Other traffic offences, such as speeding convictions, carry a more significant insurance hit as they are subject to larger penalty points punishments, unless they're offset by attending a speed awareness course.
How can I find cheap car insurance after a TS10 conviction?
After a TS10 conviction you'll find it harder to find cheap car insurance, but that's not to say it's impossible and there are a few tricks you can use to lower your premiums.
First of all, you could look into the possibility of taking out a black box insurance policy. Insurers offer these policies, with a telemetrics device fitted in your car, in order to track your driving and set your premiums based on how safe a driver you are. These policies can save you money so long as you drive carefully and within the law while using the black box.
Another option is to lower your insurance group, by purchasing a car with a less powerful engine, or to take an advanced driver test to show your insurer you're committed to safe driving.
Are there any other TS convictions?
There are various TS convictions, from TS10 through to TS70.
The offences are as follows:
||Failing to comply with traffic signals
||Failing to comply with double white lines
||Failing to comply with ‘stop’ sign
||Failing to comply with direction of aconstable/warden
||Failing to comply with traffic sign (excluding‘stop’ signs, traffic lights or double white lines)
||Failing to comply with a schoolcrossing patrol sign
||Undefined failure to comply with atraffic direction sign