Compare CD90 Car Insurance – Cover for Convicted Drivers

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  • Look for car insurance that includes CD90 convictions.
  • Request quotes from insurers checked by the FCA.
  • Save money with convicted driver insurance.

What is a CD90 Conviction?

A CD90 conviction happens when a driver causes a death through dangerous driving and is found unfit because of drugs. This is one of the most serious driving offenses in the UK.

Drivers found guilty of CD90 will face a driving ban. They also get penalty points, criminal convictions, and higher car insurance premiums. This conviction will stay on their driving record for 11 years from the date it happened.

This offence is not the same as careless driving. It has a higher severity of the offence due to its connection to drugs.

CD90 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
CD90 Causing death by dangerous driving while unfit through drugs 3 - 11 11 years

Fact: A CD90 conviction needs to be reported to insurance providers for a minimum of five years according to the Rehabilitation of Offenders Act.

How a CD90 Conviction Affects Car Insurance

A CD90 conviction will greatly increase your insurance premium. Insurers view drivers with this type of conviction as a higher risk.

Drivers often need special convicted driver insurance. This insurance comes from a group of insurance providers approved by the Financial Conduct Authority.

Why CD90 Car Insurance Costs More

  • Higher risk – Drivers with a serious motoring conviction like CD90 are considered a risk to road users.
  • Limited insurance coverage – Only a few insurers provide car insurance after a CD90 conviction.
  • Increased premiums – Insurance policies for CD90 drivers can cost up to three times more than normal.
  • Restricted choices – Many providers will only offer third party fire and theft policies.
Why CD90 Car Insurance Costs More

Estimated CD90 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
CD90 Conviction £150 - £320 £1,800 - £3,840

Legal Consequences of a CD90 Conviction

A CD90 conviction can result in serious legal consequences. These penalties can affect your life and make it hard for you to get driver insurance.

Penalties for a CD90 Conviction

  • Penalty points will add 3 to 11 points to your driving licence.
  • A driving ban lasts at least two years. It can be longer if the crime is severe.
  • A prison sentence can be up to 14 years for serious crimes.
  • A CD90 will create a permanent criminal record. This can impact your job and travel.

Fact: Criminal convictions like CD90 make it tougher to get affordable insurance and motor insurance policies.

The Impact of a CD90 Conviction on Driving Rights

A CD90 conviction changes your status as a main driver. It also reduces your choices for insurance.

  • Driving rules – Some insurance companies only let CD90 drivers be a named driver, not the main driver.
  • Licence concerns – The endorsement remains on your driving record for 11 years.
  • Increased costs – Every insurance quote will show the unspent conviction for at least five years.

Drivers in the UK, which includes England, Wales, Scotland, and Northern Ireland, need to declare their convictions when they fill out insurance quote forms.

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CD90 Conviction vs Other Motoring Offences

Conviction Code Offence Penalty Points Time on Licence Premium Increase
CD90 Causing death by dangerous driving while unfit through drugs 3 - 11 11 years 150% - 300%
CD80 Causing death by careless or inconsiderate driving 3 - 11 4 years 100% - 250%
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 through careless driving when unfit through drink 3 - 11 11 years 100% - 250%

How CD90 Convictions Affect Road Safety Laws in the UK

After a CD90 conviction:

  • Driving records are marked for closer watch if they show higher risk.
  • You could be required to take rehabilitation courses.
  • Insurance providers might require black box driving car insurance to keep an eye on your behaviour.

The Financial Conduct Authority makes sure that a group of FCA-regulated insurers provides policies that are fair and clear for drivers with a criminal record.

European Travel Restrictions for CD90 Convicted Drivers

European Travel Restrictions for CD90 Convicted Drivers

Drivers who have a CD90 conviction will face limits when they travel to other countries:

  • A lot of countries need you to have a visa if you have a criminal record.
  • Car rental companies might say no to your booking if you have a serious conviction.
  • You need to declare SORN if you do not use the vehicle during a driving ban.
  • Regular insurance might not protect you for theft or accidents when you are abroad unless you get extra coverage.

How to Reduce CD90 Car Insurance Costs

Getting cheaper car insurance after a CD90 conviction can be hard, but it isn't impossible.

Ways to Reduce CD90 Insurance Premiums:

  1. Compare convicted driver insurance – A group of FCA-regulated insurers can provide better choices.
  2. Install a telematics device – A black box can help show that you drive safely over time.
  3. Increase voluntary excess – Choosing higher excess payments can lower your insurance costs.
  4. Choose a low-risk vehicle – Smaller cars in lower groups generally cost less to insure.
  5. Keep your driving record clean – Make sure to avoid more driving offences.

How Long a CD90 Conviction Affects Insurance Costs

Conviction Type Licence Duration Time Insurance Costs Are Affected Chance of Finding Affordable Insurance
CD90 11 years 5 years Panel of specialists required
CD80 4 years 4 years Limited options
CD70 11 years 5 years Limited options
CD60 11 years 5 years Limited options
CD40 11 years 5 years Limited options

FAQs About CD90 Car Insurance

Yes, you will need convicted driver insurance. This is important from a panel of insurance providers that focus on high-risk drivers.

Insurance costs go up for five years after you get a conviction. However, the mark on your licence will stay for 11 years.

Third-party fire and theft is usually the easiest type of insurance to get. However, some insurers might provide full coverage if you have a good driving record.

Black box driver insurance can help show better driving habits to insurance companies. This may lead to lower costs as time goes on.

Yes, many specialised insurers offer both car insurance and van insurance for drivers who have been convicted.

Yes. You must tell insurers about all offences, including mobile phone use, when you submit the form.

Yes, insurers need permission from the Financial Conduct Authority. They must follow FCA rules for editorial purposes and financial advice.

You can get insurance quotations in just a few minutes. All you need to do is submit your registration number and driving details online.

Not telling your insurance company about your type of conviction can cancel your insurance policies. This means that if you make a claim, it may not be paid.

Yes, if you keep a clean driving record and do not have more offences, your premium should go down after the unspent conviction period is over.

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Page last updated on: 09/04/2025

Page reviewed by: Shay Ramani

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