Compare CD40 Car Insurance – Get Cover for Convicted Drivers

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  • Find specialist convicted driver insurance for CD40 endorsements.
  • Compare policies from insurers regulated by the FCA.
  • Get affordable car insurance even after a CD40 conviction.

What is a CD40 Conviction?

A CD40 conviction happens when a driver causes death due to careless driving while being unfit from drink. This is a serious driving offence in the UK. A driver found guilty of a CD40 offence may receive penalty points, face a driving ban, get a criminal record, and have much higher car insurance premiums.

Insurance companies see CD40 drivers as high risk. Because of this, many regular insurers do not provide coverage for them. Therefore, it is important to look for specialist brokers that offer convicted driver insurance.

CD40 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
CD40 Causing death through careless driving while unfit through drink 3 - 11 11 years

Fact: A CD40 endorsement remains on your driving record for 11 years. However, insurance companies may raise your premiums for at least five years after the date of the conviction.

How a CD40 Conviction Affects Car Insurance

A CD40 conviction greatly affects car insurance. Insurers see it as a high-risk offence. They look at how serious the offence is, the number of points on the licence, and any past convictions. All these factors help decide the cost of insurance.

Why CD40 Car Insurance is More Expensive

  • Increased risk – Insurers think drivers with CD40 endorsements are more likely to have accidents in the future.
  • Limited policy options – Many regular insurers do not offer coverage for drivers with CD40 endorsements.
  • Higher premiums – Insurance rates may go up by 80% to 250% after a CD40 conviction.
  • Stricter terms – Some insurance policies might require you to have a black box insurance plan or a higher voluntary excess fee.
  • Driving ban impact – After a driving ban, insurers may charge higher prices because you have less driving experience.
How a CD40 Conviction Affects Car Insurance

Estimated CD40 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
CD40 Convicted Driver £150 - £350 £1,800 - £4,200

Fact: Some insurance companies only provide third-party coverage to drivers who have a CD40 conviction.

Legal Consequences of a CD40 Conviction

A CD40 conviction has serious legal effects. Courts take these offences seriously because they can affect road users.

Penalties for a CD40 Conviction

  • Penalty points – You can get between 3 and 11 points added to your driving licence.
  • Driving ban – There is a minimum 2-year driving ban. It can be longer for more serious cases.
  • Prison sentence – Serious cases that cause multiple fatalities can lead to a prison sentence of up to 14 years.
  • Fines – Fines can be unlimited, depending on the situation of the offence.
  • Criminal record – A CD40 conviction gives you a criminal record. This record can impact your job and travel plans.

CD40 Conviction vs Other Driving Offences

Conviction Code Offence Penalty Points Time on Licence Premium Increase
CD40 Causing death by careless driving (drink) 3 - 11 11 years 80% - 250%
CD50 Causing death by careless driving (drugs) 3 - 11 11 years 80% - 250%
CD60 Causing death by careless driving (alcohol level above the limit) 3 - 11 11 years 80% - 250%
CD70 Causing death by careless driving and failing to provide a specimen 3 - 11 11 years 80% - 250%

How to Reduce CD40 Car Insurance Costs

Finding affordable convicted driver insurance after a CD40 conviction can be tough. However, some steps can help you lower your costs.

How to Reduce CD40 Car Insurance Costs

Steps to Lower CD40 Insurance Premiums

  1. Compare car insurance from different specialist brokers. Get several quotes to find the best deal.
  2. Think about black box insurance. A telematics policy can show good driving skills and lower your payments.
  3. Raise your voluntary excess. A higher excess can help lower your car insurance costs.
  4. Pick a low-risk vehicle. Cars in safer insurance groups usually cost less to insure.
  5. Stay clear of more driving offences. Extra convictions can lengthen your disqualification time.
  6. Take an advanced driving course. Some car insurance companies give discounts for finishing safe driving courses.

Fact: Some insurance companies ask for changes, like alcohol monitoring devices, for drivers convicted of CD40.

FAQs About CD40 Car Insurance

Yes, many insurance companies see CD40 drivers as high risk. This means you may need to get specialist convicted driver insurance.

A CD40 conviction stays on a licence for 11 years. However, insurers usually consider it for only five years when deciding on premiums.

Third-party only insurance is often the lowest cost option. However, some insurance companies might also provide good prices for comprehensive coverage.

Temporary insurance for drivers with convictions tends to cost more. It is usually only available from specific providers.

A CD40 conviction is considered a criminal record. This can affect visa applications for countries such as the USA and Canada.

Yes, black box insurance can track safe driving. This may help lower your insurance costs over time.

Paying for insurance in full rather than in monthly payments can lower total costs.

Yes, vehicle modifications, like engine upgrades, can raise insurance premiums. Some insurance companies might not cover modified vehicles for drivers who have a criminal record.

Some insurers might not renew policies for drivers who are considered high-risk. This means you will need to look for a specialist insurer.

A CD40 conviction leads to a criminal record. This can have an impact on your job, insurance, and ability to travel internationally.

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Page last updated on: 04/04/2025

Page reviewed by: Shay Ramani

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