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Convictions Car Insurance Comparison

What Is a Dangerous Driving Conviction?

A dangerous driving conviction happens when a driver operates a vehicle in a way that puts others in serious risk. Under the Road Traffic Act 1988, a dangerous driving offence is worse than careless driving. This can result in a driving ban, penalty points added to the driver's record, or even time in jail.

Dangerous Driving Motoring Conviction Codes

Code Offence Penalty Points Licence Endorsement Duration
DD10 Causing serious injury by dangerous driving 3 - 11 4 years
DD40 Dangerous driving 3 - 11 4 years
DD60 Manslaughter or culpable homicide while driving a vehicle 3 - 11 4 years
DD80 Causing death by dangerous driving 3 - 11 4 years
DD90 Furious driving 3 - 9 4 years

Fact: If a person has a dangerous driving conviction, it remains on their licence for four years from the date of the conviction. This can impact car insurance policies and may restrict insurance choices.

How a Dangerous Driving Conviction Affects Car Insurance

A dangerous driving endorsement can make it hard for a driver to get cheap car insurance. Many insurance companies view a convicted driver with a DD10 – DD90 offence as a higher risk. This leads to:

  • Higher insurance costs – A DD40 Conviction can make car insurance rates go up by 50% to 150%.
  • Fewer choices for insurance – Many insurance companies do not give driver insurance to those with serious offences.
  • Larger upfront payments – Insurers may require more money upfront because of the severity of the offence.
  • Limited policy options – Some car insurance providers only offer black box insurance to monitor driving habits.
How a Dangerous Driving Conviction Affects Car Insurance

Estimated Cost Increase for Dangerous Driving Car Insurance

Conviction Type Average Monthly Premium Before Conviction (£) Average Monthly Premium After Conviction (£) Percentage Increase
Standard UK Driver (No Convictions) £40 - £90 £60 - £150 50% - 100%
Convicted Driver (DD10, DD40, DD90) £60 - £140 £120 - £250 80% - 150%
Convicted Driver (DD60, DD80) £120 - £200 £180 - £400 100% - 200%

Tip: A good way to lower your convicted car insurance costs is to compare policies from specialist brokers. These brokers focus on high-risk drivers.

How a Dangerous Driving Conviction Compares to Other Offences

Conviction Code Offence Penalty Points Impact on Insurance Premium
DD10 Causing serious injury by dangerous driving 3 - 11 High-risk, premium increase of 80%+
DD40 Dangerous driving 3 - 11 Moderate-to-high increase, up to 150%
DD60 Manslaughter while driving a vehicle 3 - 11 Difficult to obtain cover, most insurers decline
DD80 Causing death by dangerous driving 3 - 11 Extreme risk category, very high premiums
DD90 Furious driving 3 - 9 Moderate risk, 50% - 100% increase

Tip: If a driver was drinking alcohol or using a mobile phone when they did a dangerous driving offence, the penalties will probably be tougher.

How to Reinstate Your Licence After a Dangerous Driving Ban

A dangerous driving conviction can lead to a driving ban. This means a driver cannot legally drive for a set length of time. Once the ban is over, drivers must follow specific DVLA steps to get their driving licence back.

When Can You Reapply for Your Licence?

The date of the conviction and how serious the dangerous driving offence is will determine when a driver can apply for their licence again.

  • Bans under 56 days – Usually, the DVLA returns your licence when the disqualification period ends.
  • Bans over 56 days – You must apply for a new licence before your disqualification period is over.
  • Court-imposed bans – Sometimes, drivers might have to take a longer driving test before they can get their licence back.

Steps to Reapply for a Driving Licence After a Ban

  1. Check if you are eligible – The court will tell you how long you should wait to reapply.
  2. Fill out a D1 application form – You can get this form from the DVLA or most Post Office places.
  3. Pay the reapplication fee – The fee differs depending on the kind of licence you want back.
  4. Give extra medical proof (if needed) – If you have DD60, DD80, or DD90 endorsements, you might need to pass a medical test to get your licence again.
  5. Send your application to the DVLA – The time for them to process your application can vary. Most applications take up to three weeks.

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What Happens If You Are Caught Driving While Banned?

Driving without a valid licence is a serious offence. It may lead to harsher penalties. These penalties can include a longer time removed from having a licence, more points added to your licence, and even time in jail.

Legal Penalties for Driving While Disqualified

A driver who gets caught driving during a driving ban can face several legal consequences:

Offence Penalty Additional Consequences
Driving while disqualified Fine of up to £5,000 Extension of the driving ban
Driving without a valid licence 3 - 6 penalty points Higher insurance costs, possible vehicle seizure
Repeat offences Up to 6 months in prison Increased difficulty getting car insurance

A second serious driving offence when you are already disqualified can lead to a lifetime driving ban.

How Insurance Providers React to Repeat Offences

Drivers who ignore a driving ban are viewed as dangerous by insurance companies. This causes:

  • You should cancel your current policies as soon as you can.
  • There will be only a few insurance choices when the ban ends.
  • Premiums are increasing by over 200%, even if you work with specialist brokers.
What Happens If You Are Caught Driving While Banned

Can You Get Insurance After Being Caught Driving While Banned?

Yes, it will be tough. Most insurance companies will not provide coverage. Those that do may ask for:

  • A high voluntary excess – Some insurance companies might request an excess of £2,000 or more.
  • Black box insurance – This is a type of policy that monitors how you drive.
  • Proof of a clean driving record after the ban – Insurance companies may ask for proof of several years with no offences before they offer you better rates.

Getting driver insurance can be very difficult for a convicted driver. This is especially true if they have a second driving offence while they are banned.

How to Get Car Insurance After a Dangerous Driving Conviction

Drivers with a dangerous driving conviction can still find convicted driver insurance. To have a better chance at affordable coverage, they may need to take some extra steps.

Steps to Reduce Car Insurance Costs After a Dangerous Driving Conviction

  • Compare convicted driver insurance providers – Specialised insurance brokers offer policies that match your needs.
  • Take an advanced driving course – Some insurers will drop the cost for drivers who complete a driving course.
  • Increase voluntary excess – A higher voluntary excess can lead to a lower car insurance premium.
  • Avoid further driving offences – Keeping a clean driving record after a dangerous driving conviction can help regain trust with insurers.
  • Choose black box insurance – A telematics policy allows insurers to monitor your driving habits and reduces risk.
  • Consider temporary car insurance – If your driving ban has just ended, some insurers provide short-term policies until they review your risk.

Fact: Some insurance companies can overlook spent convictions because of the Rehabilitation of Offenders Act. This can help lower insurance costs as time goes by.

FAQs About Dangerous Driving Car Insurance

Yes, you may need to look for specialist brokers. They can assist with convicted driver insurance policies. Many insurers do not provide coverage for convicted drivers.

The level of seriousness of the offence will determine your extra costs. You should plan to pay at least 50% to 150% more for dangerous driving insurance.

A dangerous driving conviction remains on your driving licence for four years. During this time, most insurance companies will increase your premiums.

Taking an advanced driving course can help you save money. Another option is to use black box insurance. Having a clean driving record can also keep your costs low.

In many cases, a dangerous driving conviction can result in a driving ban. This will depend on how serious the offence is and how long the ban lasts.

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Page last updated on: 15/05/2025

Page reviewed by: Shay Ramani

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