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Dangerous DrivingInsurance

Dangerous Driving Insurance

Convicted of dangerous or careless driving? We help you find suitable cover through specialist insurers.

Convicted of dangerous or careless driving? We help you find suitable cover through specialist insurers.

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Whatever the severity, we've got you covered

Talk to a specialist 0330 808 1548

Allianz
Granite Underwriting
Inshur
Aviva
Jensten Insurance Brokers
ERS
Bond Lovis
QBE
Victor
Admiral business
Axa
Highway
Collingwood
Zurich
KGM
Ageas
NIG
Sabre
DCL
Allianz
Granite Underwriting
Inshur
Aviva
Jensten Insurance Brokers
ERS
Bond Lovis
QBE
Victor
Admiral business
Axa
Highway
Collingwood
Zurich
KGM
Ageas
NIG
Sabre
DCL

What is a dangerous driving conviction?

Dangerous driving covers a range of DVLA codes (DD codes), from causing serious injury to causing death by dangerous driving. It’s treated more seriously than careless driving (CD codes) and can carry a lengthy disqualification.

“Dangerous driving is judged against how a careful, competent driver would have driven, not just the outcome.”

The right cover depends on:

Your specific DD or CD code
Whether you’ve had other convictions
The length of any disqualification
How you use your vehicle
How long ago the conviction happened
Whether you’ve retaken your test, if required
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Is dangerous driving the right code, or something else?

Is dangerous driving the right code, or something else?

Dangerous driving is recorded as DD40, DD60 or DD80, depending on the offence. Careless driving is CD10 to CD30 and is treated less seriously by insurers.

Dangerous driving is recorded as DD40, DD60 or DD80, depending on the offence. Careless driving is CD10 to CD30 and is treated less seriously by insurers.

Careless Driving (CD10)

A lower-severity offence, driving without due care and attention.

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Drink or Drug Driving

If alcohol or drugs were involved, DR or DG codes apply instead.

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Uninsured Driving

If you were also convicted of driving without insurance (IN10).

IN10 Insurance

Banned Driver

If your conviction resulted in disqualification.

Banned Driver insurance

Penalty Points

If you’re not sure which specific offence your points relate to.

Penalty Points Insurance

Not Sure Which Applies?

Check your exact code and points on your DVLA driving record.

Talk To A Specialist

How serious was your conviction?

Trade use

Careless Driving

CD10

Driving without due care and attention
3-9 penalty points
Lower severity than dangerous driving
Usually no disqualification
Start Your Quote
Delivery use

Dangerous Driving

DD40

Driving in a way that fell far below a competent driver
12 month ban minimum
Disqualification is obligatory
Extended retest required
Start your Quote
Courier/ hire & reward

Causing Death by Dangerous Driving

DD80

The most serious dangerous driving offence
3-11 points
Lengthy disqualification, possible imprisonment
Mandatory extended retest required
Talk to a Specialist

What you’ll need to declare

Tell insurers the offence code, the date of conviction, any disqualification and penalty points, and any other convictions from the last five years. Leaving something out can invalidate your policy.

Single Van Insurance
Recent Conviction

Best when

Your conviction happened recently
You still need to arrange cover
You want a dedicated specialist policy
Vehicle use is consistent
Start Your Quote
Van Fleet Insurance
Older Conviction

Best when

Your conviction is a few years old
You want to check if it still needs declaring
You want a more competitive premium
Your record has otherwise stayed clean
Start Your Quote

Eligibility and disclosure requirements

Your eligibility may depend on the offence, your driving record and how you use your vehicle.

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Disclosure timing

Most insurers require you to declare a new conviction as soon as it happens.

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Retest requirements

Some dangerous driving convictions carry a mandatory extended retest.

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Driver history

Claims, convictions and experience may affect available cover.

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Vehicle use

Personal, business or professional use must be accurately declared.

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Not sure what applies?

Our specialist advisers can help you understand disclosure and eligibility requirements.

Speak to a Specialist

What to expect from your cover

What to expect from your cover

Expect a higher premium and a smaller choice of insurers, especially in the first year back on the road. Prices usually improve as the conviction ages and you build a clean record.

Expect a higher premium and a smaller choice of insurers, especially in the first year back on the road. Prices usually improve as the conviction ages and you build a clean record.

Access to insurers who specifically consider dangerous driving convictions.

Smiling young man in a beige hoodie leans out of the driver’s window of a red car, resting his arms on the door.

Convicted of drink or drug driving instead?

Convicted of drink or drug driving instead?

DR and DG codes apply to drink or drug driving specifically, explore cover built around your exact code.

DR and DG codes apply to drink or drug driving specifically, explore cover built around your exact code.

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What affects the cost of dangerous driving insurance?

Dangerous driving insurance depends on the seriousness of the conviction, whether it involved injury, the length of your ban, how recently it ended and your record since returning to driving.

Severity of the offence

Causing death by dangerous driving is assessed very differently to careless driving.

Your driving history overall

A clean record before the conviction may help your case.

Length of any disqualification

A longer ban can affect how insurers assess your risk once you’re driving again.

Level of cover chosen

Third party, third party fire & theft or comprehensive cover all affect price differently.

How long ago it happened

More recent convictions are generally viewed as higher risk than older ones.

How you use your vehicle

Personal or work-related driving can be assessed differently.

Dangerous vs careless driving codes

Dangerous vs careless driving codes

A quick reference, always confirm your exact code and points with the DVLA.

A quick reference, always confirm your exact code and points with the DVLA.

CodeOffenceTypical penaltyDuration on licence

CD10

Driving without due care and attention

3-9

4 years

DD40

Dangerous driving

12 month ban minimum, plus extended retest

4 years

DD80

Causing death by dangerous driving

3-11

4 years

DD10

Causing serious injury by dangerous driving

3-11

4 years

DD90

Furious driving

3-9

4 years

DR10

Drink driving above the limit

12 month ban minimum

11 years

Not sure which code applies to you?

Contact Us For Help: 0330 808 1548
Advisers discussing van insurance cover

Why use Insurance Revolution for dangerous driving cover?

We help drivers with a dangerous or careless driving conviction find suitable cover, without judgement.

Specialist convicted driver insurers
Experienced UK advisers
Help understanding your conviction
Confidential, non-judgemental advice
Help understanding disclosure requirements
Ongoing support as your conviction ages

How the quote process works

How the quote process works

Simple steps. Expert advice. The right cover for your business.

Simple steps. Expert advice. The right cover for your business.

1

Tell us about your DD40

The date of your dangerous driving conviction, your ban, and any extended retest.

2

Tell us about you and your vehicle

Your age, driving history, and the vehicle you want to insure.

3

We find insurers who accept DD40

Dangerous driving is among the most serious codes for insurers. We go to the specialists who quote.

4

Back on the road insured

We arrange cover once your ban ends and any extended test is passed.

We're with you all the way

UK-based specialist advisers
Access to 20+ specialist insurers
No obligation, just expert help

Trusted by thousands of drivers across the UK

Trusted by thousands of drivers across the UK

From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.

From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.

Dangerous driving insights & guides

Dangerous driving insights & guides

Practical advice on convictions, disqualification and getting back on the road.

Practical advice on convictions, disqualification and getting back on the road.

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DVLA Medical Drink Driving

After being convicted of a drink driving offence, High Risk Offenders will have to undergo a medical, which is given by a DVLA approved doctor, to deem them fit of being allowed to get back on the road.

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Drink Driving Statistics UK 2026: The Latest Facts and Figures

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Drink and drug driving continues to be one of the most dangerous and preventable causes of death on UK roads. Despite decades of awareness campaigns and tougher penalties, recent figures show that driving under the influence of alcohol or drugs is still responsible for a significant proportion of fatal road accidents.

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Drug driving continues to rise across the UK, and police officers now stop more drivers for drug driving than ever before. Many people assume drug driving only involves illegal drugs, but the law also covers prescription medication, over the counter medicines and any substance that affects driving ability.

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By law, customers must fully and accurately complete all of the questions on the insurance form. Previously, the law instructed customers to declare all ‘material facts’, regardless of the questions on the form.

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An IN10 driving conviction is issued when a driver is caught operating a vehicle without valid insurance. It is one of the most common motoring convictions in the UK, but it carries serious consequences for your ability to get cover in the future.

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DR10 Insurance Quotes Made Simple: Getting Cover After a Drink Driving Ban

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A car insurance for DR10 convictions offence is one of the most serious motoring convictions. A DR10 is issued when a driver is caught operating a vehicle under the influence of alcohol.

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Caught Driving Dirty? Here’s How to Still Get Car Insurance

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What Is Dangerous Driving?

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When Stopped By The Police, How Do They Measure Alcohol Levels?

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When Police pull a driver over, they are usually concerned with the driver's Blood Alcohol Content or Concentration. They usually measure BAC in concentration of alcohol in the bloodstream and is measured as mass per volume.

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What Is Careless Driving?

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What Happens If I’m Caught Driving Without Insurance?

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Drink Driving Over The Christmas Period

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Has Lowering The Drink Driving Limit In Scotland Had Any Impact?

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Convicted Driver Codes: A Guide

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Drink Driving Abroad

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Picture the scene: You’re sat in a bar on holiday in Spain. The beautiful sun is beaming down. You’re happily enjoying your third cocktail. That sounds great, doesn’t it? But did you know that many Brits think it would be okay to drive back to the hotel after a day of drinking on holiday?

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How The Drug Driving Law Works

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In March 2015, the law surrounding drugs and driving changed, making it as illegal to drive with drugs in your system as it is to drive drunk.

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The Most Annoying Things About Driving

The Most Annoying Things About Driving

Everyone likes to believe that they have amazing driving skills. As a result, we criticise almost every driver around us, pointing out instances of their queer driving habits. However, if we monitor ourselves closely, we will notice that many of us exhibit some typical bad driving habits.

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Finding Insurance With Criminal Or Driving Convictions

Finding Insurance With Criminal Or Driving Convictions

After you have received a criminal conviction, driving conviction, or finished a driving ban, it can be difficult to find insurance. This is because all types of insurance prices are based on risk and the likelihood that the insurer would have to pay out a claim during the policy.

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How Long Do You Have To Declare Your Drink Driving Conviction?

How Long Do You Have To Declare Your Drink Driving Conviction?

Road accidents seem to be rising on the UK roads. According to reports, a fair share of road crashes are the inevitable result of drunk driving. If you follow the market studies, there has been an alarming rise of around 17% in drunk-driving crashes over the past ten years in the UK. In simple words, 1 in 6 road deaths a year ar

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How Long Do You Have To Declare Your Drink Driving Conviction?

How Long Do You Have To Declare Your Drink Driving Conviction?

Understanding the duration of a driver’s conviction is crucial, as it directly impacts how long it stays on their licence and how long they must declare it to certain authorities. For instance, drink driving offences and some more serious convictions remain on your licence for 11 years.

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What Drug Effects Make Driving Dangerous?

What Drug Effects Make Driving Dangerous?

Taking drugs when driving puts yourself and others at serious risk. The harmful side effects of drugs mean that the senses you rely on to operate a car are seriously impaired.

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How Long Is Drink Driving On Your License For?

How Long Is Drink Driving On Your License For?

If you’ve been caught drink-driving, it’s important to know how long the conviction stays on your licence and the penalties associated with it.

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Caught Drink Driving What To Do What To Expect

Caught Drink Driving What To Do What To Expect

Around 8,000 casualties and 240 deaths are witnessed from drink driving every year. However, we understand that good people can make mistakes. There are, of course, no good excuses for drunk driving, but we are all humans and can make errors in judgement.

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How Does Drink Driving Affect Insurance?

How Does Drink Driving Affect Insurance?

Being convicted of drink driving (a DR10 penalty) can result in many negative outcomes. You could face a large fine, a hefty levy of points on your licence, a driving ban for 12 months, and even, in some cases, a prison sentence. It will also alter your current insurance policy when you obtain points on your licence after a conviction.

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Why Is Drug Driving So Dangerous?

Why Is Drug Driving So Dangerous?

The perils of driving when on drugs are paramount. Your senses become impaired, you become more aggressive, and you’re putting everyone else at risk, not just yourself. All drugs react to your body differently, and understanding their harmful side effects on your driving could mean the difference between life and death.

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What Are The Drink Driving Penalties?

What Are The Drink Driving Penalties?

Many factors can change the outcome of your drink driving conviction. Some of the most common ones are below, although ultimately, the severity of your punishment is determined by a magistrate’s court.

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What Is The Drink Driving Limit?

What Is The Drink Driving Limit?

While many people still believe the drink drive limit is determined by the amount of alcoholic units you have consumed, this is not the case. It is impossible to say how many drinks the legal drink drive limit equates to, as it is different for each person.

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What Is The Current Drink Drive Limit In England?

What Is The Current Drink Drive Limit In England?

Currently, the drink drive limit is 80 milligrams of alcohol for every 100 millilitres of blood. Alternatively, the limits are 35 micrograms per 100ml of breath or 107 mg per 100ml of urine.

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Why Do You Ask About Non Motoring Convictions?

Why Do You Ask About Non Motoring Convictions?

When it comes to getting quotes for car insurance, some questions seem to be irrelevant, especially when you are asked if you have any non-motoring convictions. Though disclosing any motoring convictions on your insurance quote may seem reasonable, why do some insurance companies ask for details about non-motoring convictions?

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Frequently Asked Questions

Frequently Asked Questions

Find quick answers to common questions about dangerous driving insurance and DD/CD codes.

Find quick answers to common questions about dangerous driving insurance and DD/CD codes.

Dangerous driving is cover for drivers with a DD or CD conviction on their licence. It works through specialist insurers who consider your specific circumstances.

Still have questions?

Our advisers are here to help you find the right solution.

Prefer to talk it through confidentially?

Prefer to talk it through confidentially?

Our advisers deal with dangerous driving convictions every day, there’s no judgement, just help finding the right cover.

Our advisers deal with dangerous driving convictions every day, there’s no judgement, just help finding the right cover.

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