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5 Ridiculous Excuses For Drink Driving
It’s summer, and that means lots of BBQs, beach parties and festivals. It also means that thousands of people will risk driving home when they’ve had…
Dangerous DrivingInsurance
Dangerous Driving Insurance
Convicted of dangerous or careless driving? We help you find suitable cover through specialist insurers.
Convicted of dangerous or careless driving? We help you find suitable cover through specialist insurers.
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What is a dangerous driving conviction?
Dangerous driving covers a range of DVLA codes (DD codes), from causing serious injury to causing death by dangerous driving. It’s treated more seriously than careless driving (CD codes) and can carry a lengthy disqualification.
“Dangerous driving is judged against how a careful, competent driver would have driven, not just the outcome.”
The right cover depends on:
Your specific DD or CD codeWhether you’ve had other convictionsThe length of any disqualificationHow you use your vehicleHow long ago the conviction happenedWhether you’ve retaken your test, if required
Is dangerous driving the right code, or something else?
Is dangerous driving the right code, or something else?
Dangerous driving is recorded as DD40, DD60 or DD80, depending on the offence. Careless driving is CD10 to CD30 and is treated less seriously by insurers.
Dangerous driving is recorded as DD40, DD60 or DD80, depending on the offence. Careless driving is CD10 to CD30 and is treated less seriously by insurers.
Careless Driving (CD10)
A lower-severity offence, driving without due care and attention.
Drink or Drug Driving
If alcohol or drugs were involved, DR or DG codes apply instead.
Uninsured Driving
If you were also convicted of driving without insurance (IN10).
Banned Driver
If your conviction resulted in disqualification.
Penalty Points
If you’re not sure which specific offence your points relate to.
Not Sure Which Applies?
Check your exact code and points on your DVLA driving record.
How serious was your conviction?
What you’ll need to declare
Tell insurers the offence code, the date of conviction, any disqualification and penalty points, and any other convictions from the last five years. Leaving something out can invalidate your policy.
Eligibility and disclosure requirements
Your eligibility may depend on the offence, your driving record and how you use your vehicle.
What to expect from your cover
What to expect from your cover
Expect a higher premium and a smaller choice of insurers, especially in the first year back on the road. Prices usually improve as the conviction ages and you build a clean record.
Expect a higher premium and a smaller choice of insurers, especially in the first year back on the road. Prices usually improve as the conviction ages and you build a clean record.
Access to insurers who specifically consider dangerous driving convictions.
What affects the cost of dangerous driving insurance?
Dangerous driving insurance depends on the seriousness of the conviction, whether it involved injury, the length of your ban, how recently it ended and your record since returning to driving.
Severity of the offence
Causing death by dangerous driving is assessed very differently to careless driving.
Your driving history overall
A clean record before the conviction may help your case.
Length of any disqualification
A longer ban can affect how insurers assess your risk once you’re driving again.
Level of cover chosen
Third party, third party fire & theft or comprehensive cover all affect price differently.
How long ago it happened
More recent convictions are generally viewed as higher risk than older ones.
How you use your vehicle
Personal or work-related driving can be assessed differently.
Dangerous vs careless driving codes
Dangerous vs careless driving codes
A quick reference, always confirm your exact code and points with the DVLA.
A quick reference, always confirm your exact code and points with the DVLA.
| Code | Offence | Typical penalty | Duration on licence |
|---|---|---|---|
CD10 | Driving without due care and attention | 3-9 | 4 years |
DD40 | Dangerous driving | 12 month ban minimum, plus extended retest | 4 years |
DD80 | Causing death by dangerous driving | 3-11 | 4 years |
DD10 | Causing serious injury by dangerous driving | 3-11 | 4 years |
DD90 | Furious driving | 3-9 | 4 years |
DR10 | Drink driving above the limit | 12 month ban minimum | 11 years |
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for your business.
Simple steps. Expert advice. The right cover for your business.
1
Tell us about your DD40
The date of your dangerous driving conviction, your ban, and any extended retest.
2
Tell us about you and your vehicle
Your age, driving history, and the vehicle you want to insure.
3
We find insurers who accept DD40
Dangerous driving is among the most serious codes for insurers. We go to the specialists who quote.
4
Back on the road insured
We arrange cover once your ban ends and any extended test is passed.
UK-based specialist advisersAccess to 20+ specialist insurersNo obligation, just expert helpTrusted by thousands of drivers across the UK
Trusted by thousands of drivers across the UK
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
Dangerous driving insights & guides
Dangerous driving insights & guides
Practical advice on convictions, disqualification and getting back on the road.
Practical advice on convictions, disqualification and getting back on the road.
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about dangerous driving insurance and DD/CD codes.
Find quick answers to common questions about dangerous driving insurance and DD/CD codes.
Dangerous driving is cover for drivers with a DD or CD conviction on their licence. It works through specialist insurers who consider your specific circumstances.
Still have questions?
Our advisers are here to help you find the right solution.
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