Compare CD80 Car Insurance – Cover for Convicted Drivers

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  • Find car insurance that covers CD80 convictions.
  • Ask for quotes from insurers regulated by the FCA.
  • Save money by getting convicted driver insurance.

What is a CD80 Conviction?

A CD80 conviction occurs when a driver causes someone to die because of careless or thoughtless driving. This is a serious offence in the UK. It can bring several consequences. These may include a driving ban, penalty points, a criminal record, and even a prison sentence.

Drivers charged with a CD80 offence need to inform their insurers when they apply for car insurance. This offence will remain on your driving record for 4 years from the date of the conviction.

This offence is different from dangerous driving. This one involves being careless, not hitting someone on purpose.

CD80 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
CD80 Causing death by careless or inconsiderate driving 3 - 11 4 years

You need to report a CD80 conviction for insurance quotations for at least 4 years from the date of the conviction.

How a CD80 Conviction Affects Car Insurance

A CD80 conviction can cause your insurance costs to go up a lot. Insurers view convicted drivers as high risk due to the serious nature of the offence. Many drivers may need convicted driver insurance from a panel of specialists.

Why CD80 Car Insurance Costs More

  • High risk – A driver with a CD80 offence is seen as a larger threat to road users.
  • Less choice – Some insurers will not offer private car insurance after a serious offence.
  • Increased premiums – Policies can cost two to three times more than regular driver insurance.
  • Limited cover – Many insurers only offer third party insurance after a serious conviction.
Why CD80 Car Insurance Costs More

Estimated CD80 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
CD80 Conviction £130 - £280 £1,560 - £3,360

Fact: Some convicted driver insurance policies require a black box device. This device monitors your driving behaviour. It can help reduce your costs as time goes by.

Legal Consequences of a CD80 Conviction

A CD80 conviction can lead to tough legal consequences. It can also have a big impact on how you drive.

Penalties for a CD80 Conviction

  • Penalty points – Your licence can receive between 3 to 11 points.
  • Driving ban – You may face a ban that lasts at least 12 months or even longer.
  • Fine – Courts can give you significant fines based on your case.
  • Prison sentence – You might go to jail for up to 5 years.
  • Criminal record – A CD80 conviction results in a permanent criminal record.

Fact: A CD80 conviction can make it harder to get van insurance and other types of vehicle coverage.

The Impact of a CD80 Conviction on Driving Rights

A CD80 conviction will restrict your legal ability to drive. It will also affect your choices for car insurance.

  • Licence endorsement – The endorsement will remain on your record for four years.
  • Limited policies – Some insurers may not provide complete coverage in their insurance policy.
  • Driving restrictions – You might not be able to do certain driving jobs anymore.

Drivers in England, Scotland, Wales, and Northern Ireland must follow road safety laws in their regions. They also need to share any convictions when filling out insurance quote forms. This is important to keep everything clear and honest.

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CD80 Conviction vs Other Motoring Offences

Conviction Code Offence Penalty Points Time on Licence Premium Increase
CD80 Causing death by careless or inconsiderate driving 3 - 11 4 years 100% - 250%
CD40 Causing death through careless driving when unfit through drink 3 - 11 11 years 100% - 250%
CD50 Causing death by careless driving when unfit through drugs 3 - 11 11 years 100% - 250%
CD60 Causing death by careless driving with alcohol 3 - 11 11 years 100% - 250%
CD70 Causing death by careless driving and failing to provide a specimen 3 - 11 11 years 100% - 250%

How CD80 Convictions Affect Road Safety Laws in the UK

Road users in the UK need to follow the Road Traffic Act and the safety laws in their area. If a person is found guilty of a CD80 offense:

  • Your driving record is looked at more carefully now.
  • Insurers might want you to have a clean record for a certain amount of time before they give you full private car insurance.
  • You might need to take driver rehab courses to show that you care about road safety.

The Financial Conduct Authority (FCA) ensures that insurance companies follow strict rules. This is especially important when they provide coverage for high-risk drivers.

European Travel Restrictions for CD80 Convicted Drivers

European Travel Restrictions for CD80 Convicted Drivers

Drivers who have a CD80 conviction may face some restrictions when they travel:

  • Some countries may require visas if you have a criminal record.
  • Car rental companies may not allow drivers with serious offenses to rent cars.
  • You must declare SORN (Statutory Off-Road Notification) if your car is not in use during a driving ban.
  • Regular insurance may not cover theft or accidents outside the country unless you get extra coverage.

How to Reduce CD80 Car Insurance Costs

Drivers with a CD80 conviction usually pay higher insurance rates. However, there are several actions you can take to help lower your costs.

Ways to Reduce CD80 Insurance Premiums:

  1. Compare convicted driver insurance – A team of experts regulated by the FCA can help you find the best insurance policy.
  2. Install a black box – Tracking your driving might help you lower your payments over time.
  3. Increase voluntary excess – Picking a higher excess can cut down your monthly or yearly costs.
  4. Drive a lower-risk car – Cars in low insurance groups generally cost less to insure.
  5. Keep your record clean – A clean driving record leads to better quotes in the future.

Fact: Insurers frequently use cookies on their websites to enhance your experience. Always read their use of cookies policies before you submit any forms.

How Long a CD80 Conviction Affects Insurance Costs

Conviction Type Licence Duration Time Insurance Costs Are Affected Chance of Finding Affordable Insurance
CD80 4 years 4 years Panel of specialists required
CD40 11 years 11 years Limited options
CD50 11 years 11 years Limited options
CD60 11 years 11 years Limited options
CD70 11 years 11 years Limited options

FAQs About CD80 Car Insurance

Yes, it may take more time. The right place to start is by working with a panel of insurance providers that help high-risk drivers.

A CD80 endorsement will remain on your licence for 4 years. During this time, your insurance quotations will be influenced.

Third party insurance is often the simplest to get after a serious driving offence. Still, you may find full coverage from specialist insurers.

Many rental companies in the UK and other countries look at your driving record. They might not let you rent a car if they see a serious endorsement.

A telematics policy can prove that you drive well. This can help insurers reduce your insurance cost faster.

Yes, it will be more expensive. Some special insurers can offer van insurance and private car insurance, even if you have a history of convictions.

A CD80 conviction will create a criminal record. This record will show up in background checks. It could impact your job applications later on.

Paying for the whole year can help you save money. This way, you don’t need to pay the monthly form submission fees from insurers.

No, not unless it was part of the offence. But using a mobile phone while driving can lead to more penalty points and higher insurance premiums.

FCA rules ensure that all policies offered by panel providers meet strict standards. This is important for financial advice and for editorial purposes.

You usually need to have your driving licence, registration number, proof of address, and details about the offence. Some insurers may also request the date of the conviction and a completed quote form.

You can usually get insurance quotations in a matter of minutes. This happens after you fill out a form submission on the insurer’s webpage.

Yes, many insurers allow you to use online quote forms. It is important to give accurate details about your offence and licence endorsement. This way, your insurance policy will be valid.

No, not all insurers use a panel of FCA-approved specialists. It is a good idea to check if your insurer is FCA regulated. This will give you peace of mind.

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Page last updated on: 09/04/2025

Page reviewed by: Shay Ramani

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