Compare CD10 Car Insurance – Cover for Careless Driving

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  • Get special car insurance for drivers with a CD10 conviction.
  • Look for affordable car insurance after a CD10 driving offence.
  • Compare plans from insurance companies that are regulated by the FCA.

What is a CD10 Conviction?

A CD10 conviction occurs when a driver is guilty of careless driving. This means that the driver lacked control and awareness on the road. The Road Traffic Act 1988 states that careless driving is an offence. This can result in penalty points on your licence, an increase in your insurance premium, and sometimes a driving ban.

Careless driving offences can occur for several reasons. Some common reasons are not looking in mirrors properly, stopping abruptly, or getting distracted by a phone. The seriousness of the offence determines how many points will be added to the driving licence. This can affect insurance costs and the likelihood of driving in the future.

What is a CD10 Conviction

CD10 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
CD10 Driving without due care and attention 3 - 9 4 years

Fact: A CD10 endorsement will stay on your driving record for four years. Insurers might check it for up to five years when they figure out your insurance premiums.

How a CD10 Conviction Affects Car Insurance

A CD10 conviction will make your car insurance premiums go up. Insurance companies see careless driving as a higher risk. They think that drivers with a CD10 endorsement have a greater chance of having accidents later. This leads to more expensive car insurance for them.

Why CD10 Car Insurance is More Expensive

  • Higher risk – Drivers who have a CD10 conviction tend to have more accidents.
  • Fewer insurer options – A lot of insurance providers won’t insure convicted drivers. This reduces your choices.
  • Increased insurance premium – Insurers can increase premiums by 40% to 120%. The increase depends on the seriousness of the offence.
  • Stricter policy conditions – Some insurers might only provide third-party cover. They may also ask you to use black box insurance.
How a CD10 Conviction Affects Car Insurance

Estimated CD10 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
CD10 Conviction £90 - £200 £1,080 - £2,400

Fact: Some insurance companies might ask drivers with a CD10 conviction to get black box insurance. This lets them see how you drive before offering you a policy.

Legal Consequences of a CD10 Conviction

A CD10 conviction can cause big legal and financial problems for a long time. Drivers might face higher insurance costs. They may also deal with penalties such as fines and being banned from driving.

Penalties for a CD10 Conviction

  • Penalty points – Drivers can receive between 3 and 9 points on their driving licence.
  • Fine – A court may impose a fine of up to £5,000 for careless driving.
  • Driving ban – In serious situations, a person might be banned from driving.
  • Licence endorsement – A CD10 will remain on a driving licence for four years. This can cause higher insurance costs.

Fact: The Rehabilitation of Offenders Act says you need to inform insurers about a CD10 conviction for five years. This applies even though it only stays on your licence for four years.

CD10 Conviction vs Other Motoring Offences

Conviction Code Offence Penalty Points Licence Duration Premium Increase
CD10 Driving without due care and attention 3 - 9 4 years 40% - 120%
CD20 Driving without reasonable consideration 3 - 9 4 years 50% - 130%
CD30 Driving without due care and attention or reasonable consideration 3 - 9 4 years 50% - 140%
CD40 Causing death through careless driving when unfit through drink 3 - 11 11 years 100% - 250%
CD50 Causing death through careless driving when unfit through drugs 3 - 11 11 years 100% - 250%

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How to Reduce CD10 Car Insurance Costs

Finding affordable car insurance after a CD10 conviction can be difficult. But there are ways you can lower your costs.

Steps to Lower CD10 Insurance Premiums

  1. Check out convicted driver insurance providers – Special insurers offer better deals for drivers with a past.
  2. Consider black box insurance – A telematics plan pays attention to good driving habits.
  3. Increase your voluntary excess – A higher excess can lead to lower monthly costs.
  4. Choose a vehicle in a lower insurance group – Cars that cost less to repair often come with cheaper insurance.
  5. Maintain a clean driving record – Avoid getting more driving convictions to help reduce future insurance costs.

Fact: Some insurance companies offer discounts to drivers who complete an advanced driving course. This shows that these drivers have better driving skills.

How Long a CD10 Conviction Affects Insurance Costs

Conviction Type Licence Duration Time Insurance Costs Are Affected Chance of Finding Affordable Insurance
CD10 4 years 4 - 5 years Possible with specialist insurers
CD20 4 years 4 - 5 years Limited but possible with specialists
CD30 4 years 4 - 5 years Requires convicted driver insurance
How Long a CD10 Conviction Affects Insurance Costs

FAQs About CD10 Car Insurance

Yes, many insurance companies view it as high-risk. Specialist providers offer the best chance to get coverage. This is especially true for young drivers or people with criminal convictions.

A CD10 conviction stays on your driving licence for four years. But, when insurance companies decide the cost of your car insurance, they might consider it for five years.

Car insurance cover for drivers with convictions can vary. Third-party insurance is often the cheapest choice. But some insurance companies may offer better deals for comprehensive cover.

Yes, temporary car insurance cover for drivers with convictions often has higher premiums. Some special providers may offer short-term policies based on different risk factors.

A CD10 conviction usually does not stop you from travelling internationally. However, it might influence your job applications. This is especially the case in Northern Ireland and the Isle of Man, where the rules are stricter.

Telematics insurance can highlight safe driving habits. This can help reduce the higher premiums that are usually connected to dangerous driving or serious offences.

Yes, paying your insurance in one go instead of monthly can help you save money. Some insurance companies charge extra fees for monthly payments. They consider these payments a higher risk.

Changes to vehicles can create concerns about insurance fraud. They can also result in higher premiums. This is especially true if the changes affect how the vehicle performs or its safety features.

Some insurance companies might decide not to renew policies for drivers seen as high-risk. If you can't find another insurance option, this could lead to disqualification.

A CD10 is a driving offence. However, it is not a criminal conviction. This mark stays on your licence for four years. It may impact road safety assessments.

The number of points on your licence matters for how much you pay for insurance. If you have more points, it means you are a higher risk. This leads to higher premiums.

In some cases, if someone takes a vehicle in a serious way, it can result in additional charges along with careless driving. This may lead to higher fines and insurance rates.

Yes, the seriousness of your conviction will change how insurers see your risk. A more serious case may lead to fewer options for policies and higher premiums.

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Page last updated on: 03/04/2025

Page reviewed by: Shay Ramani

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