Why Compare CD30 Car Insurance?
Northern Ireland Specialist Knowledge
CD30 is the combined careless and inconsiderate driving code used UK-wide. Clean Green Cars introduces you to specialist brokers who understand combined careless driving codes and how they affect your insurance.
Wider Insurer Access
Not all insurers are familiar with CD30. Specialist brokers work with panels that accept NI conviction codes, which could mean more options and fairer pricing for you.
Compare Without Hassle
Entering your CD30 details once through Clean Green Cars could return quotes from multiple specialist brokers, saving you the effort of contacting each one separately.
CD30 Car Insurance At A Glance
- CD30 means driving without due care and attention, or without reasonable consideration for other road users. It is the Northern Ireland equivalent of CD10 and CD20 combined.
- It carries 3 to 9 penalty points and stays on your licence for 4 years from the date of the offence.
- CD30 falls under Section 3 of the Road Traffic Act 1988 (the equivalent NI legislation is Article 12 of the Road Traffic (combined) Order 1995).
- New drivers with a CD30 face higher loadings because of limited driving history.
- Click the green button above to compare CD30 quotes from specialist brokers.
What Is a CD30 Conviction?
A CD30 conviction is the combined code for driving without due care and attention or without reasonable consideration for other road users. It falls under Section 3 of the Road Traffic Act 1988 and is used when both elements of careless driving apply to the same incident.
A CD30 stays on your driving licence for four years from the date of the offence. Most insurers ask about convictions from the last five years, so you may need to declare it for up to five years from the offence date. If you need short-term cover while switching insurers, temporary car insurance for convicted drivers may be available.
| Penalty | Details |
|---|---|
| Penalty Points | A CD30 conviction carries 3 to 9 penalty points. The number depends on the severity of the offence. New drivers who have held a full licence for less than 2 years lose their licence at just 6 points under the Road Traffic (New Drivers) Act 1995. |
| Driving Ban | A driving ban for CD30 is discretionary, not mandatory. The court may impose a disqualification depending on the severity of the offence. More serious cases are more likely to result in a ban. |
| Maximum Fine | The fine for a CD30 offence is unlimited when dealt with at court. The sentencing approach in Northern Ireland follows similar principles to England and Wales, with fines set based on the severity of the offence and the driver's means. |
| Time on Licence | A CD30 endorsement stays on your driving licence for 4 years from the date of the offence. Most insurers ask you to declare convictions from the last 5 years. This means you may need to tell your insurer about your CD30 even after it disappears from your licence. |
| Spent After | Under the Rehabilitation of Offenders (Northern Ireland) Order 1978, a CD30 conviction becomes spent in a similar timeframe to CD10 and CD20 convictions in England and Wales. |
CD30Can You Get Insurance With a CD30 Conviction?
Yes, though a CD30 combines both careless and inconsiderate driving, and some mainstream providers may add a loading or decline to quote. Comparing through convicted driver insurance specialists could help you find a competitive price.
A CD30 stays on your licence for 4 years from the date of the offence. Most insurers ask about convictions from the last 5 years. As time passes, your options tend to open up.
Most UK insurers treat CD30 the same way as CD10 and CD20. The combined careless driving code does not usually result in a different price from the equivalent English and Welsh codes.
Specialist brokers who work with convicted driver insurance every day know which insurers accept NI conviction codes. Clean Green Cars introduces you to these brokers.
Who Needs CD30 Car Insurance?
Standard insurers often load your price heavily or decline cover after a careless driving conviction. Here is who typically benefits most from comparing CD30 car insurance quotes.
Driver With a Combined Careless Driving Code
You received a CD30 for careless or inconsiderate driving. Some insurers may be less familiar with this combined code than with CD10 or CD20 individually. Specialist brokers know which insurers accept CD30 without extra loading.
First Endorsement on Your Licence
A single CD30 is your only conviction. It can feel disproportionate when your driving record was clean before this. Brokers who handle convicted drivers could find you cover that reflects the lower severity.
Multiple Points Adding Up
Your CD30 sits alongside other endorsements. The combination can make finding affordable cover feel impossible. Specialist brokers handle complex licence histories and may still find competitive quotes.
Returning After a Ban
If your CD30 led to a discretionary disqualification and your ban has ended, starting again feels daunting. Specialist brokers can arrange your first policy back on the road.
Needing Your Car for Work
You cannot afford a gap in cover because your job depends on driving. Specialist brokers understand the urgency and could arrange policies that include business use.
Worth Knowing: A CD30 from Northern Ireland should not leave you feeling locked out of the insurance market. Clean Green Cars introduces you to brokers who handle careless driving codes regularly and know exactly which insurers accept them.
What CD30 Car Insurance Covers
A CD30 on your licence does not change what your policy is designed to cover. It changes how much you pay and which insurers will quote you. Some standard providers may decline, but specialist brokers in many cases can find you cover at each level.
Here is what each level of cover could include. Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Damage to your own vehicle | Yes | No | No |
| Fire and theft protection | Yes | Yes | No |
| Damage to other people's property | Yes | Yes | Yes |
| Injury to other people | Yes | Yes | Yes |
| Windscreen cover | Often included | Rarely | No |
| Courtesy car | Sometimes included | Rarely | No |
Cover Tip: Do not assume that a CD30 limits your cover options. All three levels - comprehensive, TPFT, and third party only - are available through specialist brokers. Always declare your CD30 honestly.
What CD30 Car Insurance May Not Cover
A single exclusion could mean your whole claim gets declined. Here is what CD30 car insurance usually does not cover.
Standard Exclusions
- Undeclared Convictions - If you do not tell your insurer about your CD30, they could invalidate your policy and may decline all claims.
- Driving Under the Influence - If you cause an accident while impaired by drink or drugs, your insurer could decline your claim regardless of your CD30.
- Driving While Disqualified - If you received a discretionary ban with your CD30 and drive during the disqualification, your insurer may decline any claim.
- Undeclared Vehicle Use - If your policy covers social use but you are driving for business, your insurer could decline a claim for using the vehicle outside your policy terms.
Important Limitations
- Higher Compulsory Excess - Your insurer may set a higher compulsory excess because of your CD30. Check your policy documents before you agree.
- Named Driver Restrictions - Some policies may limit who else can drive your car after a careless driving conviction.
- Vehicle Value Cap - Some convicted driver policies may cap the maximum value of vehicle they will insure.
- Mileage Limits - Some specialist policies may impose annual mileage caps as a condition of cover.
Optional Extras Worth Adding
Your standard policy is designed to cover the basics. These extras fill the gaps that matter most after a careless driving conviction.
May help cover roadside assistance if your car breaks down away from home, subject to policy limits and conditions.
May help cover your legal costs if you need to dispute fault after an accident, depending on your policy terms.
May help you recover losses from a non-fault crash, subject to policy limits and conditions.
May pay a set amount if you are hurt in a crash and cannot work, depending on your policy terms.
May be needed if you have built up years of no claims and want to keep your discount safe after a claim, subject to insurer acceptance criteria.
May be needed if you want to demonstrate careful driving habits after your CD30. A black box tracks your speed, braking, and mileage, which could help reduce your renewal price.
What Affects the Cost of Car Insurance with a CD30 Conviction?
Your quote depends on the number of penalty points you received, how recently the offence happened, and your overall driving history. A CD30 combines both careless and inconsiderate driving, which some insurers may view as slightly more serious.
Here are the key factors that could affect your price.
| Key Factor | Impact on Your Price |
|---|---|
| Your CD30 conviction | A CD30 carries 3-9 penalty points. This combined code combines careless and inconsiderate driving, so insurers may assess it similarly to a CD10 or CD20. |
| Time since conviction | Your price could drop each year as the CD30 ages. A conviction from 3 years ago may cost less to insure than a recent one. |
| Other convictions on your licence | A CD30 on top of other motoring convictions could push your price up sharply. |
| No claims discount | A long no claims history could help offset some of your CD30 loading. |
| Your vehicle (group, age, value) | Higher insurance group cars cost more to insure. Choosing a lower group car could help. |
| Annual mileage | Lower mileage usually means lower risk. Make sure your estimate is accurate. |
| Cover level | Comprehensive cover could cost less than third party only for some convicted drivers. Always compare all three levels. |
| Where you live | Your postcode affects your base price before any conviction loading is added. |
Price Insight: Most UK insurers treat CD30 the same as CD10 and CD20. If you are being charged more because of the combined code rather than the offence itself, specialist brokers could help you find a fairer price.
Ways to Cut Your Car Insurance Cost
A CD30 could push your premium up, but there are steps you could take to bring it down. Get quotes above to see what is available.
Do Not Let an Unfamiliar Code Cost You Extra
Some insurers charge more simply because they do not recognise CD30. Comparing through specialists who understand careless driving codes could prevent you paying a premium for geography.
Let Time Reduce the Loading
A CD30 stays on your licence for 4 years. Each year that passes could bring your loading down at renewal.
Prove Your Driving Has Improved
A telematics policy lets your insurer see your real driving habits. Careful driving could help bring your renewal down over time.
Choose a Lower Insurance Group Car
Cars in lower insurance groups cost less to insure, even with a CD30. Checking the group before you buy could help.
Raise Your Voluntary Excess
A higher excess could cut your premium. Make sure you could afford it if you needed to claim.
Pay the Full Year If You Can
Monthly payments often include interest charges. Paying upfront could reduce what you pay overall.
Add Security Features
Dashcams, trackers, and secure parking could lower your quote by reducing perceived risk.
Saving Tip: Where the offence happened should not determine what you pay. Compare quotes above - Clean Green Cars introduces you to brokers who understand careless driving codes and could find you a price based on the offence, not the postcode.
How To Compare CD30 Car Insurance Quotes
Getting quotes after a CD30 does not take long. Clean Green Cars connects you with brokers who cover convicted driver insurance every day. Get started above.
Enter Your Vehicle Details
Add your registration, make, model, and where you park overnight.
Add Your Personal Details
Enter your name, address, date of birth, and occupation.
Declare Your CD30
Select the CD30 conviction code, enter the date of offence, and the number of points. Declare any other endorsements too.
Complete Your Driving Record
Choose your cover level, add your no claims discount, and confirm any previous claims.
Review Your Quotes
Specialist brokers send you quotes based on your details. Compare prices and cover levels, then pick the one that fits.
What Our Expert Says
If you received a CD30 in Northern Ireland, you may feel doubly penalised. The offence itself was stressful enough. Then you discover that the combined code can cause confusion with mainland insurers who are unfamiliar with it.
CD30 is the combined careless and inconsiderate driving code, covering both CD10 and CD20 offences in a single endorsement, falling under Article 12 of the Road Traffic (combined) Order 1995. It covers both driving without due care and driving without reasonable consideration for other road users.
In practice, most UK insurers treat CD30 similarly to CD10 and CD20. It carries the same 3 to 9 points range and stays on your licence for 4 years. But the unfamiliarity of the code itself can lead to unnecessary declines from insurers who do not recognise it.
Specialist brokers handle CD30 regularly. They know which insurers accept CD30 without question and could prevent you from being penalised twice - once for the offence and again for where it happened.
Co-founder of Clean Green Cars
Common CD30 Car Insurance Questions
What Is a CD30 Conviction Code?
CD30 is the DVLA endorsement code for driving without due care and attention, or without reasonable consideration for other road users, in Northern Ireland. It is the combined careless and inconsiderate driving code.
How Long Does a CD30 Stay on Your Licence?
A CD30 stays on your licence for 4 years from the date of the offence. Most insurers ask about convictions for up to 5 years.
Is CD30 Only for Northern Ireland?
CD30 is used UK-wide. It combines the careless and inconsiderate driving elements covered separately by CD10 and CD20. While the equivalent offence in Northern Ireland falls under Article 12 of the Road Traffic (combined) Order 1995, the CD30 endorsement code appears on DVLA licences regardless of where the offence occurred. In England and Wales, the equivalent offences are coded as CD10 and CD20.
Do Insurers Treat CD30 Differently From CD10 or CD20?
Most UK insurers treat CD30 similarly to CD10 and CD20. All three carry the same point range. The number of points matters more than which code appears on your licence.
How Much Does CD30 Increase Car Insurance?
The increase depends on the number of points and how recently the offence happened. A CD30 with 3 points may result in a smaller loading than one with 7 to 9 points.
Can I Get Insurance If I Move to England With a CD30?
Yes. A CD30 appears on your DVLA record and is treated the same as CD10 or CD20 by most specialist brokers.
Is CD30 a Criminal Offence?
Careless driving is a criminal motoring offence usually prosecuted in the magistrates’ court. Whether a CD30 conviction appears on a DBS (criminal record) check depends on the level of check, how long ago the offence was, and whether it is classed as spent or filtered under the Rehabilitation of Offenders Act.
Can You Be Banned for a CD30?
Yes, but a ban for CD30 is discretionary, not mandatory. The court may impose one depending on severity.
How Many Points Does a CD30 Carry?
A CD30 carries 3 to 9 penalty points. The exact number depends on how serious the offence was.
What Happens After I Submit My Details?
After you submit your details, Clean Green Cars introduces you to specialist brokers who cover drivers with CD30 endorsements. They review your information and contact you with quotes. There is no obligation to buy.
Related Conviction Codes
Looking for information about other conviction codes? Browse related offences below, or visit the Careless Driving hub for the full list.
Driving without due care and attention
Compare CD10 quotesDriving without reasonable consideration for other road users
Compare CD20 quotesCausing death through careless driving when unfit through drink
Compare CD40 quotesCausing death by careless driving when unfit through drugs
Compare CD50 quotesCausing death by careless driving with alcohol level above the limit
Compare CD60 quotesCausing death by careless driving then failing to supply a specimen for analysis
Compare CD70 quotesCausing death by careless, or inconsiderate, driving
Compare CD80 quotesCausing death by driving: unlicensed, disqualified, or uninsured drivers
Compare CD90 quotesSearch & compare quotes from UK CD30 Car Insurance Providers
Useful Resources
- GOV.UK - Penalty Points and Endorsements - How the penalty points system works across the UK, including endorsement codes and expiry dates.
- GOV.UK - View Your Driving Licence - Check your licence online to see your current points and convictions.
- NI Direct - Endorsement Codes - Northern Ireland-specific endorsement code information and penalty points.
