Compare DD90 Car Insurance – Cover for Convicted Drivers

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  • Get car insurance if you have a furious driving conviction.
  • Look for a group of FCA-approved insurers who can assist you.
  • Request your free quote today for convicted driver insurance.

What is a DD90 Conviction?

A DD90 conviction is for furious driving. This happens when someone drives too fast or in a wild way. This kind of driving can put other people at risk of bodily harm.

It is more serious than careless driving. But it is not as serious as dangerous driving that leads to death.

Penalty for DD90:

Conviction Code Offence Penalty Points Licence Endorsement Duration
DD90 Furious driving 3 – 9 4 years

Fact: A DD90 endorsement stays on your driving licence for 4 years from the date of the conviction.

How a DD90 Conviction Affects Car Insurance

A furious driving conviction can make it hard to get affordable car insurance.

Most insurance companies view DD90 drivers as a higher risk compared to those with a clean driving record.

Driver Type Monthly Premium Estimate (£) Annual Premium Estimate (£)
Standard Driver (No Convictions) £40 – £85 £480 – £1,020
DD90 Convicted Driver £100 – £230 £1,200 – £2,760

Why DD90 Insurance Costs More:

  • You might face a charge for reckless driving in the future.
  • There is a record of breaking traffic laws.
  • Not many car insurance providers are giving coverage now.
  • This means you may need specialist brokers and higher policy limits.

Legal Consequences of a DD90 Conviction

Getting caught for furious driving leads to penalties.

  • Driving Ban: A driving ban may be put in place for more serious situations.
  • Penalty Points: You can receive 3 to 9 points on your licence.
  • Fine: A fine can reach up to £5,000, depending on the offence.
  • Criminal Record: A DD90 is seen as a criminal conviction.
Legal Consequences of a DD90 Conviction
Offence Driving Ban Penalty Points Fine
Furious driving (DD90) Possible 3 – 9 Up to £5,000

Fact: Some DD90 convictions can include more offences. These can be things like using a mobile phone or not following speed limits. This may cause bigger penalties.

Impact on Driving Rights After a DD90 Conviction

After a DD90 conviction:

  • Your options for an insurance policy decrease.
  • You must inform all insurance providers about the conviction.
  • A high-risk status can stay for as long as 5 years.
  • Renewal quotes will be high for several years.

Convicted drivers often require black box insurance. This insurance helps prove that they are now safe drivers.

DD90 Conviction vs Other Dangerous Driving Convictions

Conviction Code Offence Penalty Points Licence Endorsement Duration Premium Increase
DD90 Furious driving 3 – 9 4 years 100% – 200%
DD80 Dangerous driving causing death 3 – 11 11 years 300% – 400%
DD60 Manslaughter while driving 3 – 11 11 years 300% – 400%
DD40 Dangerous driving causing injury 3 – 11 4 years 200% – 300%

DD90 is still a major offense, but it comes with less severe penalties than DD80 or DD60 offenses.

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Why FCA-Approved Insurers Matter After a DD90

Choosing FCA-approved insurers means you will get fair treatment when you apply for convicted driver insurance.

Using a panel of FCA-approved insurers has many benefits:

  • You get a variety of insurance options.
  • These insurers follow tough rules for safety and fairness.
  • You can find plans that work for your needs and money.
  • It saves you time since you can easily compare different options.
  • You feel safe knowing you are dealing with trusted companies.
  • Create standards to keep customers safe.
  • Make clear rules for high-risk motor insurance plans.
  • Provide options for young drivers and convicted driver van insurance.

Always check your registration number and licence details. This helps you get the right quotes.

How Younger Drivers Are Affected by DD90 Convictions

How Younger Drivers Are Affected by DD90 Convictions

Younger drivers face more challenges after a DD90.

  • Premiums might be three times more than regular rates.
  • There are less options for private car insurance.
  • You might have to install telematics in your car to keep track of your driving.
  • More insurance companies are not providing full coverage and are only offering third-party plans.

Having a clean record after a DD90 is important. It helps to rebuild trust with insurers.

How to Get Affordable Insurance After a DD90

Here are tips for cheaper cover:

  • Get a free quote for convicted driver insurance from expert brokers.
  • Choose a smaller and safer car for your next registration.
  • Avoid more offences to help reduce your future premiums.
  • Think about black box insurance to show you are a careful driver.
  • Work with several insurance providers who understand your situation.

Fact: The FCA rules say that all insurance companies must offer fair access to quotes. This is true even for people with a criminal record.

How Long Does a DD90 Affect Insurance Costs?

Conviction Type Licence Endorsement Duration Time Insurance Costs Are Affected Chance of Getting Affordable Insurance
DD90 4 years 5 years Moderate after 5 years
DD80 11 years 5+ years Very difficult
DD60 11 years 5+ years Very difficult
DD40 4 years 5 years Difficult but possible

If you maintain a clean driving record, your premiums can slowly return to normal.

FAQs About DD90 Car Insurance

Yes, you can get it. You will need convicted driver insurance from special companies that help high-risk drivers.

It stays on your licence for 4 years. This period begins from the date of the conviction.

Many insurance companies recommend getting black box insurance. This can help show that you are a safe driver now.

Furious driving is a serious issue. But it is not the same as dangerous driving. Dangerous driving can cause death or serious injury.

Younger drivers usually pay more for insurance. They might also need to do extra things to show that they can be responsible.

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Page last updated on: 15/04/2025

Page reviewed by: Shay Ramani

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