Compare DD40 Car Insurance – Cover for Convicted Drivers

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  • Get special car insurance if you have a dangerous driving offence.
  • Get free quotes designed for drivers who have convictions.
  • Save money by comparing insurers that understand your needs.

What is a DD40 Conviction?

A DD40 conviction occurs when a driver seriously hurts someone by driving dangerously. This conviction is considered more serious than careless driving. It shows a big breach of the law.

This offence falls under reckless driving. It carries a serious risk to the safety of others. It will stay on your driving licence for four years from the date you are found guilty.

Penalty for DD40:

Conviction Code Offence Penalty Points Licence Endorsement Duration
DD40 Dangerous driving causing serious injury 3 – 11 4 years

Fact: If you hurt someone badly while driving in a dangerous way, you could be charged with a crime. It all depends on how serious the offence is.

How a DD40 Conviction Affects Car Insurance

Having a dangerous driving record, like a DD40, can make it hard to get affordable car insurance. Insurance companies see a DD40 as high risk due to the seriousness of the offence.

Driver Type Monthly Premium Estimate (£) Annual Premium Estimate (£)
Careful Driver (No Convictions) £45 – £85 £540 – £1,020
DD40 Convicted Driver £140 – £300 £1,680 – £3,600

Why Insurance Costs More:

  • There is a greater risk of accidents or serious damage.
  • A driving record indicates a breach of the law.
  • Only a limited number of insurance companies will offer coverage.
  • Sometimes, you need specialist insurers for coverage.

Legal Consequences of a DD40 Conviction

The punishments for a DD40 conviction are harsh:

  • Penalty Points: You can receive between 3 to 11 points on your driving licence.
  • Driving Ban: A ban typically lasts 12 months or longer.
  • Prison Sentence: You could face up to 5 years in prison, depending on the severity of the offence.
  • Fine: For serious injury cases, there is no limit to the fine.
Legal Consequences of a DD40 Conviction
Offence Driving Ban Prison Sentence Fine
Dangerous driving causing injury 12 months – 3 years Up to 5 years Unlimited fine
Dangerous driving causing death Lifetime ban Up to 14 years Unlimited fine

Fact: If someone causes serious injury while using drugs, alcohol, or a mobile phone, the penalties can be harsher. This could make the offence more serious.

How a DD40 Conviction Impacts Driving Rights

A dangerous driving endorsement like DD40 can impact your ability to get car insurance and drive without issues.

  • You must state the conviction on all insurance forms.
  • Fewer insurance companies will offer full coverage.
  • A lot of insurers will provide only third-party coverage.
  • Renewal costs might stay high for up to 5 years.

Drivers need to keep a good driving record for a long time. This will help them get better insurance policies later.

DD40 Conviction vs Other Dangerous Driving Offences

Conviction Code Offence Penalty Points Licence Endorsement Duration Premium Increase
DD40 Dangerous driving causing serious injury 3 – 11 4 years 200% – 300%
DD10 Dangerous driving without serious injury 3 – 11 4 years 150% – 250%
DD80 Dangerous driving causing death 3 – 11 11 years 300% – 400%
DD90 Furious driving 3 – 9 4 years 100% – 200%

A DD40 shows that the severity of the offence is more serious compared to a standard DD10 dangerous driving charge.

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Younger Drivers and DD40 Convictions

Younger drivers with a DD40 endorsement face more challenges:

  • Insurance costs are really high.
  • There are not many companies that want to provide coverage.
  • You have to prove that you are a careful driver over time.
  • There might be longer limits on driving insurance plans.

A clean driving record after your conviction is the best way to rebuild trust with insurance companies.

European Travel Limits After a DD40 Conviction

Having a history of dangerous driving can affect where you can travel.

  • Some countries look at your visa for serious crimes.
  • You might not be able to rent a car abroad.
  • You may need more insurance for your travel.
  • Drivers with criminal records have to tell about their crimes if asked at the border.

These travel problems are often normal for anyone who has a DD40 on their record in the current state.

How to Find Affordable Car Insurance After a DD40

How to Find Affordable Car Insurance After a DD40

Here are some tips to help you get the best possible price on insurance after a DD40:

  • Check offers from a group of skilled insurers.
  • Choose a safer vehicle that is small and has low-power engines.
  • Take a driving rehab course if you can.
  • Increase the voluntary excess to lower your premium cost.
  • Keep a clean driving record for at least five years.
  • Add a dash cam to prove you drive safely.

Fact: A dash cam can provide important evidence during disputes. It can also help lower your insurance costs as time goes by.

How Long Does a DD40 Affect Insurance?

Conviction Type Licence Endorsement Duration Time Insurance Costs Are Affected Chance of Getting Affordable Insurance
DD40 4 years 5 years Difficult, moderate after 5 years
DD10 4 years 5 years Moderate after 5 years
DD80 11 years 5+ years Very difficult
DD90 4 years 5 years Moderate

When your endorsement runs out, you can look for better rates. But remember, you still have to share the conviction code while it is still unspent.

FAQs About DD40 Car Insurance

Yes, you can. You need convicted driver insurance from special insurance companies that work with drivers who have serious convictions.

Insurance costs are usually high for about 5 years. If you maintain a clean driving record during this period, you may qualify for lower prices on policies later on.

Yes, many insurance companies have restrictions on coverage options after dangerous driving offenses. For drivers who have convictions, the usual choices are third-party insurance or third-party fire and theft.

Having a dash cam shows that you are a careful driver. Some insurance companies offer discounts to those with dash cams installed.

The endorsement code is DD40. Make sure to mention it when you apply for new car insurance policies in the UK.

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Page last updated on: 10/04/2025

Page reviewed by: Shay Ramani

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