Compare CD50 Car Insurance – Get Cover for Convicted Drivers

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Convictions Car Insurance Comparison

  • If you have a CD50 conviction, get car insurance.
  • Compare car insurance policies from FCA-regulated insurers.
  • Look for affordable insurance for drivers with convictions.

What is a CD50 Conviction?

A CD50 conviction occurs when a driver causes death by driving carelessly while being unfit due to drugs. This is a serious offence under UK motoring laws. The penalties for this can be harsh and may include penalty points, a driving ban, and a criminal record.

Insurance companies see drivers with a CD50 motoring conviction as high-risk. This makes car insurance premiums much higher. Usually, drivers with a CD50 endorsement need special convicted driver insurance to find an insurer willing to cover them.

CD50 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
CD50 Causing death by careless driving while unfit through drugs 3 - 11 11 years

Fact: A CD50 conviction remains on your driving record for 11 years. Still, insurance companies typically want it reported for at least five years.

How a CD50 Conviction Affects Car Insurance

A CD50 driving offence can raise your insurance costs. This happens because it shows that the driver has a higher risk. Some insurance providers may not offer coverage at all. Others may put in place strict rules for their policies.

Why CD50 Car Insurance is More Expensive

  • Higher risk classification – A CD50 conviction is a serious offence. This can lead to higher costs for insurance.
  • Limited insurer options – Many insurance companies won’t cover CD50 drivers. This means there are fewer choices for policies.
  • Strict policy terms – Some specialist brokers only offer black box insurance. Drivers must have their driving record checked.
  • Mandatory higher excess – Some policies require convicted drivers to pay a higher excess. This is because of the increased risk.
How a CD50 Conviction Affects Car Insurance

Estimated CD50 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
CD50 Conviction £120 - £300 £1,440 - £3,600

Fact: Some insurance providers will let CD50 drivers get private car insurance only if they choose black box insurance. This kind of insurance keeps track of how they drive.

Legal Consequences of a CD50 Conviction

A CD50 driving offence has serious penalties under UK law.

Penalties for a CD50 Conviction

  • Penalty points – You can receive anywhere from 3 to 11 penalty points.
  • Driving ban – A driving ban can last a minimum of 12 months. More serious cases may result in longer bans.
  • Fines – There is no maximum limit on fines. It changes depending on the severity of the case.
  • Criminal record – A CD50 conviction is treated as a criminal offence.
  • Prison sentence – A prison sentence might happen if serious factors are involved.

Fact: A CD50 conviction can affect your travel plans. Some countries, such as the USA and Canada, may not let in drivers who have criminal records.

CD50 Conviction vs Other Driving Offences

Conviction Code Offence Penalty Points Time on Licence Premium Increase
CD50 Causing death by careless driving (drugs) 3 - 11 11 years 100% - 250%
CD40 Causing death by careless driving (alcohol) 3 - 11 11 years 100% - 250%
DR80 Driving unfit through drugs 3 - 11 11 years 50% - 200%
DR10 Driving with alcohol level above legal limit 3 - 11 11 years 50% - 200%

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How Long a CD50 Conviction Affects Insurance Costs

Conviction Type Licence Duration Time Insurance Costs Are Affected Chance of Finding Affordable Insurance
CD50 11 years 5 years Requires specialist insurers
CD40 11 years 5 years Limited but possible with specialists
DR80 11 years 5 years Requires convicted driver insurance
DR10 11 years 5 years Easier than drug-related convictions
How to Reduce CD50 Car Insurance Costs

How to Reduce CD50 Car Insurance Costs

Drivers who have a CD50 conviction must pay higher rates for car insurance. However, there are several ways to reduce those insurance costs.

Compare Specialist Insurance Providers

  • Specialist brokers offer convicted driver insurance made for CD50 drivers.
  • FCA-regulated insurers make fair policies that follow UK rules.

Consider Black Box (Telematics) Insurance

  • Helps insurance companies track driving habits, which may lower premiums.
  • Encourages safer driving to improve driving record.

Increase Voluntary Excess

A higher voluntary excess can help reduce your monthly payments. But it should still be something you can afford.

Choose a Lower-Risk Vehicle

  • Avoid high-performance cars because they usually have higher insurance costs.

Complete a Driving Rehabilitation Course

Some insurance companies offer discounts to drivers who complete driving safety courses.

Fact: Some insurance companies offer affordable car insurance for CD50 drivers. This is for people who agree to black box policies and extra conditions in their plans.

FAQs About CD50 Car Insurance

Yes, most insurance companies view dangerous driving convictions as a big risk. A special insurance policy for convicted drivers is often the best option.

A CD50 conviction will remain on your driving licence for 11 years. But insurance companies usually only consider it for five years when they set your premiums.

Third-party insurance usually costs less. Still, some insurance companies might offer better deals on comprehensive policies. It's crucial to look at different car insurance quotes.

Driving car insurance can be costly for drivers with convictions. Usually, only specific companies offer short-term coverage for them.

Countries like the USA and Canada can refuse to let you in if you have a visa. This is particularly the case if you have a criminal record for dangerous driving.

Telematics insurance can prove that you drive safely. This can help you pay less for your insurance over time.

Paying the full amount instead of monthly can help reduce costs. Some insurance companies add extra fees when you pay in installments due to the influence of alcohol convictions.

Yes, getting a new vehicle can make insurance costs go up. This is especially the case if the changes affect how it drives or how safe it is.

Yes, some FCA insurers may choose not to renew policies for high-risk drivers. You might have to search for a specialist insurer.

Yes, a CD50 conviction is a crime. It will show up in background checks. This can hurt your chances of getting a job and travelling.

A registration number is not linked to a conviction. Still, insurance companies will check your driving record when they provide you quotes.

Yes, special insurance companies provide dangerous driving car insurance for drivers in Northern Ireland and the Isle of Man. However, the costs for premiums might be higher.

Using a provider that follows the financial conduct authority rules helps you compare different insurers. This can help you find the best insurance policy for your needs.

You can fill out a form for insurance quotations on special insurer websites. This will help you get the right CD50 insurance quotes.

Comprehensive car insurance can protect you from theft. But third-party policies do not cover this.

A CD50 conviction won’t impact your registration in GB. But it will increase your insurance rates.

It's a good idea to visit today a specialist provider or use clean green compare. This way, you can easily get several quotes online and find the best deal.

Careless driving car insurance tends to be more expensive for drivers with convictions. This is because the premiums are higher. The terms may also be stricter due to the total of penalty points.

Some lenders may be cautious, but having a CD50 conviction doesn't mean you can't get a loan.

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Page last updated on: 07/04/2025

Page reviewed by: Shay Ramani

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