Car insurance
CU80 Car Insurance
car insurance after a mobile phone driving offence, and what six points mean for the price
CU80 car insurance is ordinary UK car insurance for a driver with a CU80 mobile phone endorsement. It offers third party up to comprehensive cover, with the code, the six points and the date declared so insurers can price it alongside the car and your record.
- Mobile phone endorsements
- Six points declared in full
- Specialist insurers
- FCA authorised and regulated
Quick answerCU80 car insurance is car insurance for a driver whose licence carries a CU80, the code for using a hand-held mobile phone or other device while driving. A CU80 carries six penalty points, stays on the licence record for four years from the date of the offence, and has to be declared while it is unspent. For a driver within two years of passing, six points means the licence is revoked. Many insurers still quote, and specialist insurers look at it every day. Start your quote and UK providers can come back with quotes.
More than one offence? Our convicted drivers insurance page covers a wider record.
At a glance
CU80 Cover, in Brief
Six things that decide how insurance behaves after a mobile phone offence.
- What CU80 means
- Using a hand-held phone while driving
- The points
- Six on a fixed penalty
- How long it shows
- Four years from the offence
- New drivers
- Six points can revoke the licence
- Cover still available
- Many insurers quote
- Price effect
- Usually more than a speeding code
The basics
What Is CU80 Car Insurance?
Ordinary car insurance arranged for a driver whose licence carries a CU80. The cover is standard; the endorsement and its six points are declared and the insurer prices them.
Third-party cover
Injury to others and damage to their property.
Fire and theft
The car if stolen or burnt out, on higher levels.
Comprehensive cover
Damage to your own car as well.
Endorsement declared
The code, the six points and the date.
Telematics options
A black box can help on some policies.
Clean years since
Count in your favour at renewal.
How it works
How Do You Arrange Cover After a CU80?
You give the code, the points and the date, insurers rate them with the car and the drivers, and you choose the level of cover and the excess.
You check the record
The code, the six points and the offence date.
You describe the car
Registration, model and where it is kept overnight.
You name the drivers
Everyone who will drive, with any endorsements of their own.
You choose the terms
The level of cover, the excess and any black box.
What it covers
What Does CU80 Car Insurance Cover?
The same as any UK car policy at the level you choose. A CU80 changes the price and the choice of insurer, not what a claim pays for.
| Section | Where it sits | What to know |
|---|---|---|
| Injury and damage to others | Core | Included at every level |
| Fire and theft | Core on higher levels | Subject to security conditions |
| Accidental damage | Comprehensive | Repairs to your own car |
| Windscreen | Often included | Can carry a separate excess |
| Courtesy car | Often included | Usually while an approved repairer fixes yours |
| Telematics | On some policies | Can support a lower price |
| European driving | On many policies | Check the level of cover and the days allowed |
A declared CU80 does not void a claim. Leaving it off the proposal can, so give it exactly as the licence record shows.
Exclusions
Which Situations Leave a CU80 Driver Without Cover?
An undeclared endorsement, driving on a revoked licence and the usual motor exclusions.
Undeclared endorsements
Codes left off the proposal.
Driving on a revoked licence
Not covered at any level.
Driving while disqualified
Not covered at any level.
Undeclared drivers
Someone driving who is not named.
Driving while unfit
Under the influence of drink or drugs.
Undeclared modifications
Changes the insurer was not told about.
The CU codes
Where Does CU80 Sit Among the CU Codes?
CU codes record offences about the vehicle and the driver’s control of it. CU80 is the one insurers see most, because it covers phone use.
CU80
Using a hand-held phone or losing proper control.
CU10
Defective brakes.
CU30
Defective tyres.
CU20
Dangerous condition of the vehicle.
CU40
Defective steering.
CU50
Unsafe load or passengers.
Points reaching twelve? See our TT99 insurance page.
Who it suits
Can Drivers With a CU80 Still Get Car Insurance?
Yes. Most drivers with a single CU80 can get quotes. Six points on one offence weighs more than a speeding code, and age, experience and other entries shape the terms.
Drivers with one CU80
A single phone offence.
Drivers with other entries
Points from more than one code.
Young drivers
Where six points weigh heaviest.
Older drivers
Long clean records with one entry.
New drivers re-qualifying
After a revoked licence.
Drivers declined elsewhere
Where a mainstream insurer will not quote.
Under 25? See our young drivers car insurance page. Over 50? See our over 50s car insurance page.
Phone or speed
CU80 or a Speeding Code: Which Weighs More With Insurers?
Usually the CU80. It carries six points in one go, and insurers tend to read phone use as a sign of how someone drives. A single SP30 with three points is often treated more lightly.
| CU80 | SP30 | |
|---|---|---|
| Points | Six | Three to six |
| On the record | Four years from the offence | Four years from the offence |
| New driver within two years | Revoked on its own | Usually two offences |
| How insurers read it | Often more heavily | Often more lightly |
A speeding entry instead? See our SP30 insurance page.
Cost
How Much Does a CU80 Add to Car Insurance?
There is no fixed amount. Six points, how recent the offence is, other entries, your age, the car and the postcode decide it. We do not print average premiums.
Why six points in one go matters
Insurers see a single offence worth six points differently from two small entries, and it leaves less room before a ban.
Why the effect fades
The weight of the endorsement usually eases as it ages, and clean years since help at each renewal.
What the quote is rated on
The main factors
- The endorsementSix points and how recentBase
- Other entriesAny further codesRate
- The carGroup and valueRate
- PostcodeWhere it is keptRate
- Record sinceClaims and clean yearsAdjust
Telematics
Careful driving can count towards the price.
A modest car
A lower insurance group can help. See our insurance groups guide.
Time since the offence
The effect often eases each year.
New drivers
What Happens if You Get a CU80 Within Two Years of Passing?
Six points within two years of passing means the licence is revoked, and a CU80 carries six on its own. Four things follow.
The licence is revoked
You go back to a provisional licence.
The tests are retaken
Theory and practical, before driving alone again.
Cover changes
You need learner cover while you practise.
The CU80 still counts
It is declared on every quote while unspent.
Practising again? See our learner driver insurance page.
Quote checklist
Which Details Will an Insurer Want After a CU80?
Six things shape the quote: the code, the date, the points, your other entries, the car and your claims record.
The offence code
CU80 as shown on the record.
The date
When the offence happened.
The points
Six for a CU80.
Other entries
Any further codes on the licence.
The car
Registration, model and group.
Claims record
Recent claims and clean years.
Comparing
Which Parts of a CU80 Quote Are Worth Checking?
The cover, the excess, the conditions and the wider terms. A lower price with a heavy conviction excess can cost more after a claim.
The cover
- Level of cover offered
- Courtesy car
- Windscreen cover
The excess
- Compulsory excess
- Voluntary excess
- Any extra conviction excess
Conditions
- Telematics requirements
- Mileage limits
- Named driver rules
Terms
- Payment options
- Cancellation terms
- What happens after another offence
Add up the total excess. Some insurers add a conviction excess on top of the usual amounts. See our car insurance excess guide.
Cutting costs
How Can You Bring the Price Down After a Phone Offence?
Time, honest disclosure, the car, a black box and the excess are the levers. We publish no savings figures.
Let clean years build
The effect often eases each year.
Declare everything
Accurate disclosure keeps the policy sound.
Choose a modest car
A lower insurance group can help.
Consider a black box
Careful driving can help at renewal.
Choose the excess deliberately
A higher voluntary excess is a lever, worth using only at a level you could pay.
Put the phone away
Do not disturb mode stops a second offence.
Thinking about a black box? See our black box car insurance guide.
Glossary
Phone Offences and Points, Defined
The words that come up most when a quote follows a CU80.
- CU80
- The code for using a hand-held phone or device while driving.
- Hand-held device
- A phone or similar held while driving, for any purpose.
- Endorsement
- An offence code and points recorded against a licence.
- Penalty points
- Points added to a licence after an offence.
- Revocation
- Losing a licence within two years of passing after six points.
- Unspent conviction
- A conviction still treated as current, which needs declaring when asked.
- Totting up
- Reaching twelve points, which can lead to a ban.
- Conviction excess
- An extra excess some insurers add for an offence.
- Named driver
- Someone else allowed to drive the car under the policy.
- Compulsory excess
- The part of a claim the insurer sets that you pay.
Why MyMoneyComparison.com
Why Compare CU80 Car Insurance with MyMoneyComparison.com?
MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces drivers to specialist brokers. We do not sell insurance and we do not give advice: the broker you choose arranges the policy. Using us is free.
One form, one car
Describe the car once, instead of repeating yourself to each broker.
Advice given
We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.
Authorised and regulated
MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.
Incorporated
A UK company since 2013. FCA authorisation is separate and later; the register carries its date.
FAQs
CU80 Car Insurance FAQs
Answers on cover, cost, eligibility, six points, new drivers and how long a CU80 counts.
What is CU80 car insurance?
Ordinary UK car insurance for a driver whose licence carries a CU80 mobile phone endorsement. It offers the usual levels of cover, with the code, the six points and the date declared so insurers can price it.
Who can get CU80 car insurance?
Most UK drivers with a single CU80 can get quotes. Six points weighs more than a small speeding entry, and age, experience and any other entries shape the price and the choice of insurer.
What does CU80 car insurance cover?
The same as any car policy at the level you choose: third party, third party fire and theft, or comprehensive. Windscreen, courtesy car and European driving vary by insurer.
How much does CU80 car insurance cost?
There is no typical price. The points, how recent the offence is, other entries on your licence, your age, the car and the postcode all play a part. We do not print average premiums.
What does CU80 mean?
It is the code for using a hand-held mobile phone or similar device while driving, or not having proper control of the vehicle. A fixed penalty brings six points.
How long does a CU80 stay on my licence?
Four years from the date of the offence on the driving record. Insurers usually ask about convictions from a set number of recent years, so read each question carefully.
Do I have to declare a CU80?
Yes, while the conviction is unspent and whenever an insurer asks about motoring convictions. Leaving it out can lead to a claim being refused or the policy being cancelled.
I passed my test less than two years ago. What happens?
Six points within two years of passing means the licence is revoked, and a CU80 carries six on its own. You return to a provisional licence and retake both tests.
What cover do I need while I re-qualify?
Learner cover while you practise with a supervising driver, either on the car’s own policy or a short-term learner policy. See our learner driver insurance page.
Is a CU80 worse than a speeding code?
Usually, in insurers’ eyes. It carries six points at once and is often read as a sign of how someone drives. See our SP30 insurance page for comparison.
Can I use my phone at traffic lights?
No. Using a hand-held phone is not allowed while you are in control of the car, including when stopped at lights or in a queue. Hands-free use is allowed if you stay in control.
Can I get temporary cover with a CU80?
Often, yes, though some short-term insurers set limits on recent points. Declare the endorsement as you would on an annual policy. See our temporary car insurance page.
Does a CU80 affect my no claims bonus?
No. A bonus is built on claim-free years, and an endorsement is separate. The offence can still raise the price, because insurers rate convictions and bonus years independently.
What if I get another endorsement?
A second entry usually weighs more than the first, and twelve points within three years can lead to a ban. See our TT99 insurance and disqualified drivers insurance pages.
Are young drivers hit harder by a CU80?
Usually, because six points weigh more on a short record, and drivers within two years of passing risk losing the licence altogether. See our young drivers car insurance page.
Are older drivers treated differently?
A long clean record can help set a single CU80 in context, though it still has to be declared in full. See our over 50s car insurance page.
Can I insure a modified or kit car with a CU80?
Often, yes, though a modified car and six points together can narrow the choice. Declare every change and the endorsement. See our modified car insurance and kit car insurance pages.
Can a black box help after a CU80?
It can. Telematics lets careful driving count towards the price, and some insurers offer better terms to drivers with an endorsement who accept one. Read any curfew or mileage terms first.
How do I compare CU80 quotes?
Look beyond the price to the level of cover, the total excess including any conviction excess, telematics conditions, payment terms and what happens if another offence lands during the policy year.
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About this page
This page explains UK car insurance with a CU80 mobile phone endorsement: what it covers, who can get it, and how the points, the date and other entries shape a quote. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.
How we approached this page
- Published UK specialist motor policy summaries
- UK guidance on endorsement codes and penalty points
- Financial Ombudsman material on motor and liability complaints