CD50 Car Insurance | Compare Specialist Quotes

Why Compare CD50 Car Insurance?

Most Standard Insurers May Decline CD50

CD50 is a serious endorsement code. Many providers will not quote. Clean Green Cars passes your details to specialist brokers who work with providers experienced in covering serious driving convictions. They will then contact you with quotes.

Every Insurer Assesses CD50 Differently

One provider could decline while another considers your full circumstances. Clean Green Cars connects you with brokers who take a case-by-case approach.

Your Record Could Improve Over Time

Each conviction-free year could work in your favour. Specialist brokers understand this and may find you a more competitive price as your record improves.

CD50 Car Insurance At A Glance

CD50 means causing death by careless driving when unfit through drugs under Section 3A of the Road Traffic Act 1988.
The penalty is 3 to 11 penalty points, an unlimited fine, up to life imprisonment, and an obligatory driving ban of at least 5 years.
An extended driving retest is compulsory before your licence is restored. New drivers may face additional restrictions.
Click the green button above to compare CD50 quotes from convicted driver insurance.

Checklist clipboard illustration showing key insurance points.

What Is A CD50 Conviction?

CD50 is an indictable-only offence under Section 3A(1)(a) of the Road Traffic Act 1988 - causing death by careless driving when unfit through drugs. Here's how the law defines it:

Who it applies to - Any driver who causes death through careless or inconsiderate driving while unfit through drugs. "Unfit" covers impairment from illegal drugs, prescription medicines taken outside their guidance, or any combination that affects driving ability.
What "careless" means here - Driving that falls below (not far below) the standard of a competent and careful driver. The fatal outcome combined with drug impairment lifts this to dangerous-driving-level penalties.
Why it sits at the top of the drug driving family - CD50 combines the careless driving element with the drug element. Since the Police, Crime, Sentencing and Courts Act 2022, the maximum sentence was raised to life imprisonment.

Penalty	Details
Penalty Points	3 to 11
Driving Ban	Obligatory - minimum 5 years
Maximum Fine	Unlimited
Time on Licence	11 years on licence from date of conviction
Spent After	Depends on the sentence. For shorter sentences, the minimum rehabilitation period is at least 5 years, and longer for more severe sentences. If a life sentence or very long custodial sentence is imposed, the conviction may never become spent under the Rehabilitation of Offenders Act 1974.

CD50

Can You Get Insurance With A CD50 Conviction?

Yes, though CD50 is a serious endorsement code and many insurers may decline applications involving a CD50 conviction. Specialist brokers are often a practical route.

Clean Green Cars introduces you to brokers experienced with serious convicted driver insurance.

See the full careless driving category for related endorsement codes.

A CD50 stays on your licence for 11 years from the date of conviction. During the obligatory disqualification period (minimum 5 years), you cannot legally drive and therefore cannot normally take out motor insurance as a main driver during the disqualification period. Once your ban ends and you have passed the compulsory extended retest, you can begin looking for cover.

Most mainstream insurers are likely to decline applications from drivers with a CD50. Specialist brokers who work with convicted driver insurance every day are usually the most realistic route to finding cover. These brokers have access to insurers who consider serious conviction codes and understand how to present your application.

Your options may gradually improve as the years pass. Each year of clean, claim-free driving after returning to the road could help demonstrate to insurers that you present a lower risk than your conviction history might suggest. Clean Green Cars introduces you to specialist brokers who understand this process.

Who Needs CD50 Car Insurance?

CD50 is a serious endorsement code related to drug driving offences. Here's who typically needs to compare CD50 car insurance quotes.

Starting Again After Your Ban Ends

The ban is over and you passed the extended retest. Getting insured again feels like another hurdle, but specialist brokers handle this transition regularly and may help make the process easier to navigate.

Released And Rebuilding Your Life

You have served your sentence. Specialist brokers understand the full timeline from conviction to getting back on the road and know which insurers will consider your application.

After The Extended Retest

The compulsory retest is behind you. You need your first policy since conviction. Specialist brokers can guide you through the process without judgement.

Each Clean Year Counts

Time since conviction matters. Each year without further incidents could reduce your loading (an increase applied to your premium because of higher perceived risk). Specialist brokers can help you track when your options start to improve.

Carrying Other Endorsements Too

A CD50 alongside other codes on your licence narrows your options, but specialist brokers handle complex records and know which insurers assess each case individually.

Worth Knowing: However difficult the circumstances, may be available depending on your circumstances and insurer acceptance criteria. Clean Green Cars introduces you to brokers who handle drivers with CD50 endorsements and understand what the journey back looks like.

What CD50 Car Insurance Covers

A CD50 on your licence does not change what your policy is designed to cover. It changes how much you pay and which insurers will consider your application.

Here's what each level of cover could include. Cover levels and benefits vary significantly by provider. You must review the individual policy terms, conditions and exclusions carefully, as these will affect what is covered and any limitations that apply. This is a description only and not a recommendation or advice about which cover is suitable for your circumstances.

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: After a lengthy ban, comprehensive cover could sometimes cost less than Third party only. Compare all three levels before deciding.

What CD50 Car Insurance May Not Cover

A single missed detail could mean a claim gets declined. CD50 carries similar exclusions to dangerous driving convictions. Here's what CD50 car insurance usually does not cover.

Standard Exclusions

Undeclared Convictions - If you do not tell your insurer about your CD50 or any related convictions, 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 any other conviction on your record.
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.
Racing or Track Use - Standard policies do not cover racing, track days, or competitive events.

Important Limitations

Higher Compulsory Excess - Some insurers apply a higher compulsory excess for convicted drivers, which means you pay more before a claim is settled.
Mileage Restrictions - Your policy may limit your annual mileage. Exceeding it could affect whether a claim is paid in full.
Vehicle Value Cap - Some convicted driver policies may cap the maximum value of vehicle they will insure.
Named Driver Restrictions - Some policies may limit who else can drive your car after a conviction of this nature.

Extras Worth Adding

Your standard policy is designed to cover the basics. These extras fill gaps that could matter after a serious 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 cover the cost of replacing your keys if they are lost or stolen, subject to policy limits and conditions.

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 pay a set amount if you are hurt in a crash and cannot work, depending on your policy terms.

May be needed if you want to prove safe driving habits after your conviction. 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 CD50 Conviction?

Your quote depends on the circumstances of the conviction, the length of your disqualification, and your overall driving history.

Key Factor	Impact on Your Price
Your CD50 conviction	CD50 involves causing death while unfit through drugs. Most mainstream insurers may decline.
Time since conviction	Your price could drop each year as the CD50 ages. A conviction from several years ago may cost less to insure than a recent one.
Other convictions on your licence	A CD50 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 CD50 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: The loading for a CD50 is significant, especially in the early years. But it does not stay the same forever. Each clean year could bring it down, and comparing annually helps you track when prices start to ease.

Susan Difford working out an insurance quote on a calculator.

Ways To Cut Your Car Insurance Cost

A CD50 could push your premium up considerably. Here are practical steps that could help.

Compare At Every Renewal

Your loading could reduce each year as the conviction ages. Do not accept your renewal price without checking alternatives. Get quotes above.

Use Telematics To Demonstrate Change

A black box gives your insurer evidence of safe, consistent driving. After a CD50, demonstrating responsible behaviour could be the most powerful tool you have.

Choose A Modest Vehicle

Cars in lower insurance groups cost less to insure. After a serious conviction, a lower-risk vehicle could make a meaningful difference to your premium.

Raise Your Voluntary Excess

A higher excess could reduce your premium. Make sure the amount is one you could genuinely afford if you needed to claim.

Pay Annually If Possible

Monthly payments include interest charges. Paying the full year upfront could reduce what you pay overall.

Add An Experienced Named Driver

Adding someone with a clean licence and driving experience could help balance how insurers assess your application.

Secure Your Parking

A driveway or garage is lower risk than on-street parking. Let your insurer know where you keep the car.

Saving Tip: Every year without further incidents could make a difference. Compare quotes above - Clean Green Cars introduces you to brokers who understand serious convictions and the time it takes to rebuild.

How To Compare CD50 Car Insurance Quotes

Getting quotes after a CD50 does not take long. If you need short-term cover first, temporary convicted driver insurance may help. Start comparing 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 CD50

Select the CD50 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 most suits your needs and your budget.

What Our Expert Says

A CD50 conviction means living with the knowledge that a life was lost. The legal and emotional consequences are immense, and the insurance implications can feel like one more obstacle in an already overwhelming situation.

CD50 records a conviction for causing death by careless driving when unfit through drugs under Section 3A(1)(a) of the Road Traffic Act 1988. It carries up to life imprisonment, an unlimited fine, an obligatory ban of at least 5 years, and a compulsory extended retest.

The endorsement stays on your licence for 11 years from the date of conviction. Specialist brokers understand the weight of what that means and work with insurers who assess each application on its own circumstances rather than declining on the code alone.

- Susan Difford
Insurance Expert & Co-founder of Clean Green Cars

Common CD50 Car Insurance Questions

What Is A CD50 Conviction?

CD50 is the DVLA endorsement code for causing death by careless driving when unfit through drugs under Section 3A(1)(a) of the Road Traffic Act 1988.

How Long Does CD50 Stay On Your Licence?

CD50 stays on your licence for 11 years from the date of conviction.

Can You Get Insurance With A CD50 Conviction?

Yes. Specialist brokers work with insurers who consider CD50 applications individually. Clean Green Cars introduces you to these brokers.

What Is The Maximum Sentence?

Up to life imprisonment, an unlimited fine, and an obligatory ban of at least 5 years with a compulsory extended retest.

Is CD50 A Criminal Offence?

Yes. CD50 is an indictable offence tried in the Crown Court.

What Is The Difference Between CD50 And CD40?

CD50 involves drugs. CD40 involves drink. Both carry the same maximum penalties and the same 11-year endorsement period.

Do You Need An Extended Test After CD50?

Yes. A compulsory extended driving test is mandatory after a CD50 conviction.

How Long Is The Ban?

The obligatory ban is at least 5 years. Courts may impose a longer period depending on the circumstances.

How Long Must You Declare CD50?

You must answer your insurer's questions truthfully, which usually means declaring CD50 for at least 5 years, although some insurers may ask about convictions over a longer period and often longer for very serious offences. Most insurers ask about convictions for at least 5 years.

What Happens After I Submit My Details?

After you submit your details, Clean Green Cars introduces you to specialist brokers who handle drivers with serious motoring convictions. They contact you directly with quotes. There is no obligation to buy.

Susan Difford pointing at a question mark.

Related Careless Driving Codes

CD50 sits within the wider careless driving endorsement codes family. It is closest to DG60 causing death by careless driving above the drug limit and CD40 causing death by careless driving when unfit through drink, because the pages sit around drink or drug evidence and a fatal outcome.

You may also want to consider temporary car insurance for convicted drivers if you need short-term cover.

This page provides general information about CD50 convictions and motor insurance. It does not constitute personal advice or a recommendation. Insurance availability, cover limits, premiums and acceptance criteria vary between insurers and depend on individual circumstances. Conviction penalties and legal consequences are based on current legislation at the time of writing but may change.

CD10

Driving without due care and attention

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CD20

Driving without reasonable consideration for other road users

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CD30

Driving without due care and attention, or without reasonable consideration for other road users (combined)

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CD33

Causing serious injury by careless or inconsiderate driving

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