Compare CD70 Car Insurance – Cover for Convicted Drivers

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  • Look for car insurance that covers CD70 convictions.
  • Request quotes from insurers regulated by the FCA.
  • Save money by getting convicted driver insurance.

What is a CD70 Conviction?

A CD70 conviction occurs when a driver causes a death due to careless driving and does not give a sample for alcohol testing. This is a serious driving offence in the UK.

Drivers who are found guilty of a CD70 offence will receive a mandatory driving ban. They will also earn penalty points and have a criminal record. A CD70 can lead to much higher car insurance costs.

This offence is not the same as dangerous driving. It is about careless driving. It also involves not cooperating with alcohol tests after a serious accident.

CD70 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
CD70 Causing death by careless driving and failing to provide a specimen 3 - 11 11 years

Fact: A CD70 conviction remains on your driving licence for 11 years. When you apply for motor insurance, you must inform insurers for at least five years.

How a CD70 Conviction Affects Car Insurance

A CD70 conviction can raise your car insurance costs. Insurance companies view drivers with this kind of conviction as high risk. This means it will be tougher to find affordable car insurance.

Why CD70 Car Insurance Costs More

  • Increased risk – Drivers with a CD70 conviction are more likely to have more incidents.
  • Less insurance choice – Many insurance companies do not cover drivers with serious convictions.
  • Increased costs – Insurance rates can cost two to three times more than usual.
  • Limited insurance options – Many insurers will only provide third-party coverage for convicted drivers.
Why CD70 Car Insurance Costs More

Estimated CD70 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
CD70 Conviction £140 - £310 £1,680 - £3,720

Fact: Some convicted driver insurance plans might need black box insurance. This technology tracks your driving habits. It could help lower your premium over time.

Legal Consequences of a CD70 Conviction

A CD70 conviction has serious penalties. It affects a driver's insurance, their driving licence record, and legal status.

Penalties for a CD70 Conviction

  • Penalty points – You can receive between 3 and 11 points on your driving licence.
  • Driving ban – A ban can last at least two years and may be longer for serious cases.
  • Fine – A court can set a fine with no limit.
  • Prison sentence – A conviction might mean up to 14 years in prison.
  • Criminal record – You will end up with a permanent criminal record that can impact job applications and travel.

Fact: A CD70 conviction can affect your chances of getting temporary or full car insurance in the future.

The Impact of a CD70 Conviction on Driving Rights

A CD70 conviction can lead to serious legal issues. This is particularly important for people who need their licence for work or family responsibilities.

Drivers in Northern Ireland, Great Britain, and the Isle of Man have to follow local rules. Each area has tough penalties for careless driving, especially if alcohol is involved.

For drivers who cause death due to careless driving, their role as the main driver can be limited. Some insurance companies may only let a convicted driver be a named driver on a policy.

Motorists need to be careful when driving in other countries. Many European countries accept UK driving offences. If you drive when banned, you could face more penalties both in the UK and in those countries.

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CD70 Conviction vs Other Motoring Offences

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

How CD70 Convictions Affect Road Safety Laws in the UK

Road safety groups such as the Motor Insurance Database keep an eye on serious driving offenses. Drivers who are convicted might have additional checks to ensure they obey the law. For example:

  • MOT certificates might be checked more often if you receive a conviction.
  • Finding breakdown cover may be tougher. Insurers view convicted drivers as higher risk.
  • Speed limits are very important. New offences could lead to longer driving bans.
  • Some drivers need to complete road safety courses before they can get insurance again.
European Travel Restrictions for CD70 Convicted Drivers

European Travel Restrictions for CD70 Convicted Drivers

Drivers with a CD70 conviction who want to go to Europe should understand the rules:

  • Some countries might deny you entry if you have a criminal record.
  • Rental companies may not allow drivers with serious injury convictions.
  • You need to declare SORN (Statutory Off-Road Notification) if your vehicle is not in use during a ban.
  • Insurance may not cover theft or damage when you are abroad unless you purchase extra policies.

How to Reduce CD70 Car Insurance Costs

Drivers who have a CD70 conviction often pay very high insurance rates. However, there are several ways to reduce these costs:

  • Compare convicted driver insurance – Specialist insurers may give better rates for drivers with convictions.
  • Think about black box insurance – A telematics policy can track your driving and lower your premiums over time.
  • Raise voluntary excess – A higher excess might help cut down your insurance cost.
  • Pick a lower-risk vehicle – Cars with smaller engines often have cheaper insurance.
  • Stay away from more driving offences – A clean driving record can help you save money in the long run.

Fact: Some insurance companies offer motor legal protection along with comprehensive cover. This can be helpful if you need to file a claim after an accident.

How Long a CD70 Conviction Affects Insurance Costs

Conviction Type Licence Duration Time Insurance Costs Are Affected Chance of Finding Affordable Insurance
CD70 11 years 5 years Requires specialist insurers
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 CD70 Car Insurance

Yes. Many standard insurance companies might say no, but you can find special companies that offer convicted driver insurance.

It will remain on your driving licence for 11 years. However, most insurance companies look at it for just five years when deciding your premiums.

Third-party insurance is usually the cheapest choice. However, some insurance companies provide affordable comprehensive car insurance for drivers with convictions.

Some special insurance companies provide short-term coverage for drivers with convictions. It is more difficult and costs more than usual.

Black box insurance can monitor how you drive. This helps show that you are a careful driver. Because of this, you may be able to reduce your insurance costs.

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Page last updated on: 09/04/2025

Page reviewed by: Shay Ramani

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