CD60 Car Insurance | Death Careless Drug Level

Why Compare CD60 Car Insurance?

Most Standard Insurers May Decline CD60

CD60 is a serious endorsement code. Many providers will not quote. Clean Green Cars introduces you to specialist brokers who work with providers experienced in covering serious driving convictions.

Every Insurer Assesses CD60 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.

CD60 Car Insurance At A Glance

CD60 means causing death by careless driving with alcohol level above the limit 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.
Click the green button above to compare CD60 quotes from convicted driver insurance brokers.

What Is a CD60 Conviction?

CD60 is the DVLA endorsement code for causing death by careless driving with alcohol level above the limit. It is closely related to DR10 (drink driving) but involves a fatal outcome. It is one of the most serious motoring offences in UK law.

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.

CD60

Can You Get Insurance With a CD60 Conviction?

Yes, though CD60 is a serious endorsement code and many mainstream insurers may decline. Specialist brokers are usually the most reliable route.

Clean Green Cars introduces you to brokers experienced with serious driving convictions.

See the full careless driving category for related endorsement codes.

A CD60 stays on your licence for 11 years from the date of conviction. During the early years, particularly while the driving ban is in effect, insurance is not required. Once the ban ends and you have passed the compulsory extended retest, you will need cover to drive again.

The number of providers willing to quote typically increases as the conviction ages. In the first few years after returning to driving, you may need to work with specialist brokers who have access to insurers experienced with serious conviction codes. As more years pass without further incident, your options could gradually improve.

Specialist brokers who work with convicted drivers every day understand the challenges a CD60 presents. Clean Green Cars introduces you to these brokers, so you could explore what cover may be available based on your current circumstances.

Who Needs CD60 Car Insurance?

CD60 is a serious endorsement code. Here is who typically needs to compare CD60 car insurance quotes.

Ban Has Ended, Retest Passed

You have served your time and passed the extended retest. Getting insured is the next step. Specialist brokers handle this transition and could make the process less overwhelming.

Released and Starting Over

You have served your sentence and are trying to rebuild. Specialist brokers understand the full timeline from conviction through release and know which insurers will consider your application.

First Policy After Conviction

You passed the retest and need cover for the first time since your conviction. Specialist brokers can guide you through what to expect without judgement.

Record Is Improving Over Time

Each clean year on your licence could reduce your loading. Specialist brokers help you find cover that reflects where you are now, not just where you were.

Multiple Endorsements

A CD60 alongside other codes makes the search harder. Specialist brokers handle complex records and know which insurers look at the full picture.

Worth Knowing: However difficult the road has been, specialist cover exists. Clean Green Cars introduces you to brokers who handle drivers with CD60 endorsements and understand the process of getting back on the road.

What CD60 Car Insurance Covers

A CD60 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 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: After a lengthy ban, comprehensive cover could sometimes cost less than third party only. Do not assume - compare all three levels.

What CD60 Car Insurance May Not Cover

A single missed detail could mean a claim gets declined. If your car has been seized, you may need impound release cover first. Here is what CD60 car insurance usually does not cover.

Standard Exclusions

Undeclared Convictions - If you do not tell your insurer about your CD60 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 CD60 Conviction?

Your quote depends on the circumstances of the conviction, the length of your disqualification, and your overall driving history. You can check the full range of drink driving penalties on GOV.UK.

Key Factor	Impact on Your Price
Your CD60 conviction	CD60 involves causing death with alcohol above the limit. Most mainstream insurers may decline.
Time since conviction	Your price could drop each year as the CD60 ages. A conviction from several years ago may cost less to insure than a recent one.
Other convictions on your licence	A CD60 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 CD60 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 CD60 is heavy in the early years, but it reduces over time. Each clean year matters. Comparing quotes annually helps you see when the price starts to come down.

CD60 Car Insurance - what affects your insurance cost

Ways to Cut Your Car Insurance Cost

A CD60 could push your premium up considerably. Here are practical steps that could help.

Compare at Every Renewal Without Fail

Your loading could reduce each year. Do not accept your renewal price without checking. Get quotes above.

Telematics Could Be Your Best Tool

A black box gives your insurer real evidence of safe driving. After a CD60, demonstrating responsible behaviour behind the wheel could be the single most effective way to bring your premium down.

Choose a Lower Risk Vehicle

Cars in lower insurance groups cost less to insure. A modest vehicle choice could make a real difference after a serious conviction.

Raise Your Voluntary Excess

A higher excess could reduce your premium. Make sure you could genuinely afford it if you needed to claim.

Pay Annually If Possible

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

Add an Experienced Named Driver

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

Secure Your Parking

A driveway or garage is lower risk than on-street parking. Let your insurer know.

Saving Tip: Rebuilding takes time, but every year counts. Compare quotes above - Clean Green Cars introduces you to brokers experienced with serious drink-drive convictions.

How to Compare CD60 Car Insurance Quotes

Getting quotes after a CD60 does not take long. Get started above when you are ready.

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 CD60

Select the CD60 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

A CD60 conviction carries consequences that go far beyond the courtroom. A life was lost, and the endorsement on your licence serves as a permanent reminder for 11 years. Finding insurance in this situation can feel like one more barrier to rebuilding any kind of normality.

CD60 specifically relates to causing death by careless driving with an alcohol level above the prescribed limit under Section 3A(1)(b) of the Road Traffic Act 1988. Unlike CD40 (general unfitness through drink), CD60 is about exceeding the legal blood alcohol limit.

The penalties are the same as other fatal CD codes: up to life imprisonment, an obligatory ban of at least 5 years, and a compulsory extended retest. Specialist brokers understand these cases and work with the limited number of insurers who assess each application on its own merits.

- Susan Difford
Co-founder of Clean Green Cars

Common CD60 Car Insurance Questions

What Is a CD60 Conviction?

CD60 is the DVLA endorsement code for causing death by careless driving with an alcohol level above the prescribed limit under Section 3A(1)(b) of the Road Traffic Act 1988.

How Long Does CD60 Stay on Your Licence?

CD60 stays on your licence for 11 years from the date of conviction.

Can You Get Insurance With a CD60 Conviction?

Yes. Specialist brokers work with insurers who consider CD60 applications individually. Clean Green Cars introduces you to these brokers.

What Is the Difference Between CD60 and CD40?

CD60 is for exceeding the prescribed alcohol limit. CD40 is for being unfit through drink, which may involve impairment below the legal limit.

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 CD60 a Criminal Offence?

Yes. CD60 is an indictable offence tried in the Crown Court.

Do You Need an Extended Test?

Yes. A compulsory extended driving test is mandatory after a CD60 conviction.

How Long Is the Ban?

The obligatory ban is at least 5 years. Courts may impose a longer period.

How Long Must You Declare CD60?

You must answer your insurer’s questions truthfully, which usually means declaring CD60 for at least 5 years, 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.