Compare CD20 Car Insurance – Cover for Convicted Drivers

  • Save up to £523* on your car insurance
  • 97% of reviewers recommend Free Price Compare
  • Compare car insurance quotes from 120+ insurers
GB
Retrieve Quotes

Don’t have your registration number? No problem, click here.

4000+ reviews

We compare car insurance quotes from 120+ companies...

Wide variety of insurance options available to help you find a suitable policy

Happy Customers

We've served thousands of policies to
thousands of happy customers.

Price Comparison Market

10+ years experience in
the Price Comparison Market.

Car Insurance Companies

We'll display quotes from
120+ car insurance companies.

Convictions Car Insurance Comparison

  • Car insurance for drivers with a CD20 charge.
  • Get affordable car insurance after a CD20 motoring offence.
  • Compare insurance plans from FCA-approved companies.

What is a CD20 Conviction?

A CD20 conviction occurs when a driver uses a vehicle without paying attention to other road users. This is referred to as careless driving. In such situations, the driver is not being careful, which can lead to dangerous outcomes.

Under the Road Traffic Offenders Act, drivers who get a CD20 motoring offence will receive penalty points on their driving licence. This can increase the risk of higher insurance costs. In serious cases, it could also lead to a driving ban.

A CD20 offence is different from dangerous driving. In this case, you don't need to prove that the driver was careless or acted on purpose. However, it can result in high insurance costs, add endorsements, and impact the driver's licence history.

CD20 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
CD20 Driving without reasonable consideration 3 - 9 points 4 years

Fact: A licence endorsement for a CD20 conviction lasts four years. But insurance companies can increase your insurance costs for up to five years from the date of conviction.

CD20 Conviction Breakdown

How a CD20 Conviction Affects Car Insurance

A conviction for a CD20 offence can lead to higher car insurance costs. Insurance companies view drivers with this offence as a higher risk. As a result, you will probably pay more for your premiums.

Why CD20 Car Insurance is More Expensive

  • Risk of future offences – Drivers with a CD20 conviction may face more driving offences in the future.
  • Higher likelihood of claims – Insurance policies for drivers with a criminal record often lead to more claims. This raises costs for insurance companies.
  • Limited insurer options – Some motor insurance companies will not insure drivers with a CD20 conviction.
  • Stricter policy terms – Some insurers might ask for higher excess payments or only provide coverage for third party risks.

Estimated CD20 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
CD20 Conviction £90 - £210 £1,080 - £2,520

Fact: Some insurance companies may not cover drivers with a CD20 endorsement. Drivers who have this endorsement might need to look for convicted driver insurance from special providers.

Impact of a CD20 Conviction on Future Insurance Policies

A CD20 motoring conviction can make it tough to get regular insurance. Because of this, drivers often search for special providers. Insurers may check the date of the offence, the number of points, and any past endorsements to set new rates. Some insurers might even refuse coverage, making drivers find policies for high-risk drivers.

Drivers with a CD20 offence should look for a full list of UK insurers that support convicted drivers. Policies can vary a lot, so it’s vital to compare several options before selecting the best coverage.

CD20 Convictions and Additional Motoring Offences

A CD20 endorsement can be linked to other serious offences. This can happen if you do not follow traffic light signals or traffic direction rules. When multiple offences happen at once, the penalties can be harsher. You may also get extra points on your driving licence endorsement.

For example:

  • A fixed penalty notice and a CD20 conviction for a defective tyre can result in extra costs and a higher insurance premium.
  • A driver guilty of aggravated taking of a vehicle will face stricter punishments, which may include disqualification.
Legal Consequences of a CD20 Conviction

Legal Consequences of a CD20 Conviction

A CD20 conviction can lead to penalty points. This might add points to your licence and could result in a driving ban.

Penalties for a CD20 Conviction

  • Penalty points – You can lose between 3 and 9 points from your driving licence.
  • Fine – You could face a fine as high as £5,000, based on how serious the offense is.
  • Driving ban – A court might give you a short driving ban if your case is serious.
  • Licence endorsement – A conviction will remain on your driving record for four years.
  • Insurance premium increase – You may need to pay more for car insurance because of the increased risk.

Fact: If a person has a CD20 offence along with another road traffic offence, like using a mobile phone while driving or motor racing, they could get additional penalties.

CD20 Conviction vs Other Careless Driving Offences

Conviction Code Offence Penalty Points Time on Licence Premium Increase
CD10 Driving without due care and attention 3 - 9 points 4 years 40% - 100%
CD20 Driving without reasonable consideration 3 - 9 points 4 years 50% - 120%
CD30 Driving without due care and attention & reasonable consideration 3 - 9 points 4 years 50% - 120%
CD40 - CD90 Causing death by careless driving 3 - 11 points 11 years 80% - 150%

Get Quotes

How to Reduce CD20 Car Insurance Costs

Drivers with a CD20 conviction can reduce their insurance premium. They can achieve this by proving that they are driving more safely.

Compare Specialist Insurance Providers

  • Insurance companies help drivers with convictions find coverage. They focus on drivers who are considered high-risk.
  • Insurers checked by the FCA offer special insurance policies for people with CD20 convictions.

Consider Black Box (Telematics) Insurance

  • It watches your driving to help you have better habits.
  • It can lower your insurance costs over time.

Increase Voluntary Excess

  • A higher excess amount can reduce your motor insurance cost.
  • Ensure that the excess is reasonable if you have to make a claim.

Choose a Low-Risk Vehicle

  • Avoid fast cars that are in higher risk groups.
  • Some cars have lower insurance costs because they are easier to fix.

Avoid Further Offences

  • Gathering too many endorsement codes can lead to disqualification.
  • A good driving record can help reduce your car insurance costs over time.

Fact: Some insurance companies give discounts to new and young drivers. They offer these discounts if the drivers complete an advanced driving course after a careless driving conviction.

FAQs About CD20 Car Insurance

Most insurance companies view it as a higher risk. Specialised insurers offer the best coverage choices.

A CD20 endorsement remains on a driving record for four years. However, insurance companies might consider it when they decide on premium rates for up to five years.

Third party risks insurance is often the cheapest choice. Still, many insurance companies offer great rates for full coverage.

Temporary insurance for drivers with convictions usually costs more. You can often get it only from specific providers.

A CD20 card usually does not change your travel plans. But, it can affect job applications that require a clean driving record.

Telematics insurance proves that you drive safely. This can help you lower your insurance costs as time goes by.

Paying for insurance all at once can help you save money. Some insurance companies charge extra fees if you choose to pay monthly.

Yes, when you buy a new vehicle, your insurance costs can go up. This often occurs if the new features change how the vehicle works or its safety measures.

Some insurance companies may choose not to renew policies for drivers who seem high-risk. You might need to look for a different insurance provider.

A CD20 conviction is not considered a crime. But, it will stay on your driving licence for four years.

Car Insurance Comparison

Car Insurance Provider

Page last updated on: 03/04/2025

Page reviewed by: Shay Ramani

4000+ reviews