Compare CD30 Car Insurance – Find Cover After a Conviction

  • 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

Specialist insurance for CD30 convicted drivers

  • Get car insurance from insurers that accept CD30 endorsements.
  • Find budget-friendly car insurance after a CD30 motoring conviction.
  • Compare plans from FCA-regulated insurers.

What is a CD30 Conviction?

A CD30 conviction occurs when a driver is proven to be careless on the road. This indicates that they did not pay proper attention or take reasonable care for other road users. It is a form of careless driving and falls under motoring conviction in UK law.

Drivers who are guilty of a CD30 offence will receive penalty points on their driving licence. This can also cause higher insurance costs. In some situations, a driving ban may apply. The Road Traffic Offenders Act states the penalties for unsafe driving. Insurers view CD30 drivers as high-risk.

A CD30 is not the same as dangerous driving. It does not involve careless actions, but it is still a serious crime. This type of conviction stays on your driving record for four years. It can also make it harder to get affordable convicted driver insurance.

What is a CD30 Conviction

CD30 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
CD30 Driving without due care and attention or reasonable consideration 3 - 9 4 years

Fact: A CD30 conviction can lead to a driving ban. This occurs when the total of penalty points reaches 12 within three years.

How a CD30 Conviction Affects Car Insurance

A CD30 conviction can greatly increase car insurance rates. Insurance companies consider drivers with a CD30 offence as more likely to make claims in the future. This leads to higher insurance costs.

Why CD30 Car Insurance is More Expensive

  • Increased risk – Insurers think drivers with a CD30 conviction may have future road offenses.
  • Limited insurance options – Some insurers will not insure drivers with a CD30 conviction.
  • Higher excess requirements – A few insurance plans need a higher voluntary excess to reduce risk.
  • Restrictions on cover – Some insurers only offer third-party coverage, not complete comprehensive insurance.

Estimated CD30 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
CD30 Conviction £90 - £210 £1,080 - £2,520

Fact: A lot of drivers with CD30 endorsements must get specialist convicted driver insurance to find coverage.

Legal Consequences of a CD30 Conviction

Legal Consequences of a CD30 Conviction

A CD30 conviction means you will receive licence endorsement and penalty points. This could also lead to further disqualification.

Penalties for a CD30 Conviction

  • Penalty points – A driving licence can get between 3 and 9 points.
  • Fine – You might face a fine of up to £5,000, depending on how serious the offence is.
  • Driving ban – If the offence is serious, a court may give you a disqualification period.
  • Licence endorsement – This stays on your record for four years.
  • Higher insurance costs – A CD30 driver has an increased risk of higher insurance premiums.

Fact: Driving penalties in Northern Ireland and the Isle of Man can be different. Still, UK insurers view CD30 drivers as high-risk.

CD30 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 4 years 40% - 100%
CD20 Driving without reasonable consideration 3 - 9 4 years 50% - 120%
CD30 Driving without due care and attention & reasonable consideration 3 - 9 4 years 50% - 120%
CD40 - CD90 Causing death by careless driving 3 - 11 11 years 80% - 150%

Get Quotes

How to Reduce CD30 Car Insurance Costs

Drivers who have a CD30 conviction can take several steps to lower their car insurance costs.

Steps to Reduce CD30 Insurance Costs

Compare Specialist Insurance Providers

  • Some insurers offer lower rates for drivers who have convictions.
  • FCA-regulated insurers make customised policies.

Consider Black Box (Telematics) Insurance

  • It checks how you drive to reward safe actions.
  • It can gradually reduce your insurance costs over time.

Increase Voluntary Excess

  • A larger excess can lower your monthly insurance costs.
  • Be sure it remains affordable if you have to make a claim.

Choose a Low-Risk Vehicle

  • Fast cars can make insurance costs go up.
  • Some vehicles have lower insurance rates.

Maintain a Clean Driving Record

  • Avoid getting more driving convictions.
  • Having a clean driving licence reduces risks over time.

Fact: Some insurers may give discounts to learner drivers and young drivers. This is true if they complete an advanced driving course after a CD30 conviction.

FAQs About CD30 Car Insurance

Yes, but most insurance companies view CD30 as a riskier offence. Special insurers offer the best options for coverage.

A CD30 endorsement remains on a driving record for four years. But, insurers might consider it for five years when they calculate premiums.

Third-party insurance is often the cheapest choice. Yet, some insurers offer great prices for full coverage.

Yes, temporary car insurance for drivers with convictions is usually more expensive. This type of insurance is often available from certain providers.

A CD30 conviction usually won't stop you from travelling. However, it might impact job applications that require a clean driving record.

Telematics insurance can prove that you drive safely. This may help lower your insurance costs over time.

Yes, when you pay for insurance all at once instead of monthly, it can help you save money. This is because some insurers will charge you more if you decide to pay in smaller amounts.

Yes, changing your vehicle can increase your insurance costs. This is especially the case if the modifications impact how the vehicle works or its safety features.

Yes, some insurance companies may choose not to renew policies for drivers who are considered high-risk. You may need to search for an insurer that specialises in this area.

A CD30 conviction is not considered a criminal offence. Still, it will remain on your driving licence for four years.

Car Insurance Comparison

Car Insurance Provider

Page last updated on: 04/04/2025

Page reviewed by: Shay Ramani

4000+ reviews