Compare CD60 Car Insurance – Cover for Convicted Drivers

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Convictions Car Insurance Comparison

  • Find car insurance that covers CD60 convictions.
  • Ask for quotes from insurers regulated by the FCA.
  • Save money by getting convicted driver insurance.

What is a CD60 Conviction?

A CD60 conviction occurs when a driver causes a death due to careless driving and is above the legal alcohol limit. This is a serious driving offence in the UK. It leads to strict legal and financial penalties. A driver who is guilty of a CD60 offence will receive a mandatory driving ban and a criminal record. They will also see much higher car insurance costs.

This offence is different from dangerous driving. It relates to careless driving when alcohol is involved. However, it still comes with a required disqualification period. You will also receive many penalty points. Plus, this will be noted on your driving licence record.

What is a CD60 Conviction

CD60 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
CD60 Causing death by careless driving with alcohol level above the limit 3 - 11 11 years

Fact: A CD60 conviction stays on your driving licence for 11 years. You have to inform insurers about it for at least five years when you apply for motor insurance.

How a CD60 Conviction Affects Car Insurance

How a CD60 Conviction Affects Car Insurance

A CD60 conviction can really increase the cost of your car insurance. Insurance companies see drivers with this type of conviction as high risk. This makes it hard to find cheaper car insurance.

Why CD60 Car Insurance Costs More

  • Higher risk – Drivers with a CD60 conviction tend to have more accidents later on.
  • Less insurance choice – A lot of motor insurance companies do not cover drivers with serious convictions.
  • Increased costs – Insurance premiums can be two to three times higher than normal rates.
  • Limited insurance options – Many insurers will only give third-party coverage to drivers with a conviction.

Estimated CD60 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
CD60 Conviction £120 - £300 £1,440 - £3,600

Fact: Some convicted driver insurance policies require black box insurance. This covers your driving habits and can lead to lower rates later.

Legal Consequences of a CD60 Conviction

A CD60 conviction comes with serious penalties. It impacts a driver's insurance policy, their legal standing, and the driving licence record.

Penalties for a CD60 Conviction

  • Penalty points – You can get 3 to 11 points added to your driving licence.
  • Driving ban – A driving ban can last at least two years. A longer ban may happen if the case is serious.
  • Fine – A court can give you a fine that might be very large.
  • Prison sentence – A conviction can lead to a prison sentence of up to 14 years.
  • Criminal record – You will have a permanent criminal record. This can make it harder to find jobs and can also affect travel.

Fact: A CD60 conviction under UK law can change how you get temporary car insurance. It may also stop you from getting comprehensive car insurance policies.

The Impact of a CD60 Conviction on Driving Rights

A CD60 conviction can cause big legal problems. This is especially true for people who need to drive for work or daily needs. Drivers in Northern Ireland, Great Britain, and the Isle of Man must obey local road safety rules. These rules can vary a bit, but they all have serious penalties for careless driving if alcohol is involved.

For drivers who are found guilty of careless driving that causes death, it's important to understand how this offence affects their status as the main driver. Some insurance companies may not let convicted drivers be the main driver. Instead, they might need to be listed as a named driver.

Motorists should be careful when driving in different countries. Many European countries recognise UK road traffic offences. If you get caught driving while you are disqualified, you could face more penalties.

Legal Consequences of a CD60 Conviction

CD60 Conviction vs Other Motoring Offences

Conviction Code Offence Penalty Points Time on Licence Premium Increase
CD60 Causing death by careless driving with alcohol 3 - 11 11 years 100% - 250%
CD40 Causing death by careless driving while unfit through drink 3 - 11 11 years 100% - 250%
CD50 Causing death by careless driving while unfit through drugs 3 - 11 11 years 100% - 250%
DR10 Driving under the influence of drink or drugs 3 - 11 11 years 50% - 200%
CD70 Causing death by careless driving and failing to provide a specimen 3 - 11 11 years 100% - 250%

How CD60 Convictions Affect Road Safety Laws in the UK

Road safety groups in the UK, such as the Motor Insurance Database, watch over driving crimes. They check that cars linked to drivers who were found guilty obey the law. For example:

  • A driver who causes death by careless driving might have their MOT certificate checked more closely.
  • There might be fewer options for breakdown cover. Some providers view convicted drivers as a bigger risk.
  • After a conviction, the speed limit becomes even more crucial. Any new offences could mean a longer time without a licence.
  • Some insurance companies require drivers to take a road notification course. This is needed to get motor insurance back after a conviction.

European Travel Restrictions for CD60 Convicted Drivers

Drivers with a CD60 conviction who want to travel to Europe should be aware of some rules.

  • Some countries may not allow you to enter or drive if you have UK convictions.
  • Rental companies may refuse you if you have a serious injury-related conviction.
  • You need to declare SORN (Statutory Off-Road Notification) if you are not driving your vehicle during a disqualification period.
  • Insurance may not cover theft or damage when you are outside the UK, so you might need to get extra policies.

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How to Reduce CD60 Car Insurance Costs

Drivers with a CD60 conviction usually have to pay much higher premiums. But, there are several ways to lower these costs.

Ways to Reduce CD60 Insurance Premiums

  1. Compare convicted driver insurance – Special insurance companies offer better rates for drivers with a record.
  2. Consider black box insurance – A policy that tracks your driving can help you drive more safely and save money.
  3. Increase voluntary excess – Choosing a higher excess could lower the cost of your premium.
  4. Choose a lower-risk vehicle – Cars with smaller engines often have less expensive insurance costs.
  5. Avoid further driving offences – Keeping your driving record clean can help you save money over time.

Fact: Some insurance companies offer motor legal protection as part of their comprehensive cover. This provides you with support if you need to make a claim.

How Long a CD60 Conviction Affects Insurance Costs

Conviction Type Licence Duration Time Insurance Costs Are Affected Chance of Finding Affordable Insurance
CD60 11 years 5 years Requires specialist insurers
CD40 11 years 5 years Requires specialist insurers
CD50 11 years 5 years Requires specialist insurers
DR10 11 years 5 years Limited options available

FAQs About CD60 Car Insurance

Yes, but many insurance companies view it as a high-risk offence. A good choice for you is to search for specialists that provide convicted driver insurance.

A CD60 conviction stays on your driving licence for 11 years. But, insurance companies usually consider it for only five years when they calculate your premiums.

Third-party insurance is usually the cheapest choice. But, some insurance companies may offer better prices for comprehensive car insurance.

Temporary car insurance for drivers with a conviction usually costs more. It's often available only from specific insurance companies.

Some countries may not allow you to enter without a visa if you have a criminal record. This often applies to countries such as the USA and Canada.

Yes, black box insurance can help you by tracking your safe driving habits. This can lead to lower costs over time.

Paying for insurance in one payment instead of monthly payments can help you save money. This is because some insurance companies charge extra fees when you pay in parts.

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

Some insurance companies may not renew policies for drivers seen as high-risk. These drivers need a specific type of insurance called convicted driver insurance.

A CD60 conviction is a crime that appears on background checks. This can impact your chances of finding a job and traveling.

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Page last updated on: 07/04/2025

Page reviewed by: Shay Ramani

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