Finepost · Fines · Codes · LC20
LC20 : driving otherwise than in accordance with a licence
Checked 22 July 2026 · How we check our figures
What it means
LC20 is mostly a learners' and categories code: driving otherwise than in accordance with a licence, s. 87 RTA 1988, the provisional licence out without a supervisor or plates, the car licence at the wheel of something that needs another category. Its weight is the company it keeps: cover generally stands on entitlement, so IN10, 6 to 8 points, often arrives on the same facts, and the pair can cross a new driver's revocation line in a single stop. The arithmetic sits in the penalty points calculator, the insurance half in the no insurance guide.
Points and how long it stays
3 to 6 points.
On the licence for 4 years from the date of the offence.
The LC codes are the licence's own offences, 3 to 6 points each on the 4-year offence clock, one everyday code and a medical trio. LC20 is the everyday one, driving otherwise than in accordance with a licence, s. 87 RTA 1988: the learner outside the conditions, the category that was never held. LC30, LC40 and LC50 share a spine that runs through the DVLA's medical file, the false fitness declaration, the condition never notified under s. 94, the driving after a medical refusal or revocation under s. 94A. Two shadows fall across the whole family: insurance, because cover generally stands on entitlement and IN10 often arrives on the same facts, and the DVLA itself, which usually moves against the licence before the courtroom moves at all. The insurance half sits in the no insurance guide at /fines/guides/no-insurance.
The usual route
Where the police treat it at the roadside it runs as the endorsable fixed penalty of 100 pounds and 3 points (gov.uk, checked 2026-07-22); a disputed entitlement pulls the case to court instead.
If it goes to court
In court the fine is income-banded at the lower bands with a discretionary ban; where the insurance count travels alongside, that one usually does the heavier lifting; mechanics in the fine bands guide.
Read next
Calculator: the code decoder, every code on the official list →
Authority
gov.uk, Penalty points (endorsements), checked 2026-07-22