Why Compare CD20 Car Insurance?
Specialist Broker Access
A CD20 for inconsiderate driving could limit your options with mainstream insurers. Clean Green Cars introduces you to specialist brokers who handle careless and inconsiderate driving convictions daily.
Fairer Pricing
Your CD20 loading could vary widely between insurers. Comparing quotes from multiple specialist brokers may help you find a more competitively priced policy.
Tailored Cover Options
Specialist brokers understand that a CD20 is a less serious endorsement than dangerous driving codes. They could match you with insurers who price accordingly.
CD20 Car Insurance At A Glance
- CD20 means driving without reasonable consideration for other road users under Section 3 of the Road Traffic Act 1988.
- It carries 3 to 9 penalty points and stays on your licence for 4 years from the date of the offence.
- CD20 specifically involves behaviour that affects other road users, such as splashing pedestrians or forcing other drivers to brake suddenly.
- New drivers with a CD20 face higher loadings because of limited driving history.
- Click the green button above to compare CD20 quotes from specialist brokers.
What Is a CD20 Conviction?
A CD20 conviction is given for driving without reasonable consideration for other road users, commonly known as inconsiderate driving. It falls under Section 3 of the Road Traffic Act 1988 and applies only where other road users are actually inconvenienced by the driving.
A CD20 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.
| Penalty | Details |
|---|---|
| Penalty Points | A CD20 conviction carries 3 to 9 penalty points. The number depends on how seriously your driving affected other road users. 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 CD20 is discretionary, not mandatory. The court may impose a disqualification depending on how seriously your driving affected other road users. Cases where someone was injured or forced to take evasive action are more likely to result in a ban. |
| Maximum Fine | The fine for a CD20 offence is unlimited when dealt with at court. As with CD10, the Sentencing Council uses a three-category system based on culpability and harm. A driver improvement course may be offered as an alternative to prosecution in some cases. |
| Time on Licence | A CD20 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 CD20 even after it disappears from your licence. |
| Spent After | Under the Rehabilitation of Offenders Act 1974, a CD20 conviction becomes spent relatively quickly if no driving ban was imposed. If a discretionary ban was given, the rehabilitation period depends on the length of the ban. |
CD20Can You Get Insurance With a CD20 Conviction?
Yes, though a CD20 tells insurers that your driving directly affected other road users. Some mainstream providers may add a loading or decline to quote. Comparing through convicted driver insurance specialists could help you find a more competitive price.
A CD20 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 insurers treat CD20 similarly to CD10. The number of penalty points usually matters more than which specific careless driving code you received.
Specialist brokers who work with convicted driver insurance every day know which insurers accept CD20 endorsements. Clean Green Cars introduces you to these brokers.
Who Needs CD20 Car Insurance?
Standard insurers often load your price heavily or decline cover after an inconsiderate driving conviction. Here is who typically benefits most from comparing CD20 car insurance quotes, including van drivers who use the road for work.
You Did Not Realise You Were Doing It
Tailgating, lane hogging, or dazzling someone with your headlights. It felt normal at the time, but it led to a CD20. Specialist brokers know which insurers treat this as a lower-risk endorsement rather than a serious offence.
First Conviction and Feeling Exposed
A single CD20 is your only endorsement and your renewal has risen. It can feel disproportionate for what seemed like a minor error. Comparing through specialist brokers could find you cover closer to what you paid before.
Points Are Stacking Up
Your CD20 sits alongside other endorsements like speeding points. The combination can feel overwhelming. Specialist brokers handle complex licence histories and may still find competitive quotes.
Young and Already Paying Too Much
Age and a conviction together could push mainstream premiums to levels that feel impossible. Specialists may find insurers who assess your full profile rather than just your age and points.
You Need Your Car for Work
Losing affordable cover could mean losing your income. Specialist brokers understand the urgency and could arrange policies that include business use without excessive loading.
Worth Knowing: One moment of inconsiderate driving does not have to define your insurance journey. Clean Green Cars introduces you to brokers who already cover drivers with CD20 endorsements and understand the context behind the code.
What CD20 Car Insurance Covers
A CD20 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 can usually find you cover at every 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: One misjudgement does not mean you should settle for basic cover. Always declare your CD20 honestly. If your insurer finds an undisclosed conviction later, they could invalidate your policy.
What CD20 Car Insurance May Not Cover
A single exclusion could mean your whole claim gets declined. Here is what CD20 car insurance usually does not cover.
Standard Exclusions
- Undeclared Convictions - If you do not tell your insurer about your CD20, 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 CD20.
- Driving While Disqualified - If you received a discretionary ban with your CD20 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 CD20. Check your policy documents before you agree.
- Named Driver Restrictions - Some policies may limit who else can drive your car after an inconsiderate 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 an inconsiderate 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 prove considerate driving habits after your CD20. 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 CD20 Conviction?
Your quote depends on the number of penalty points you received, how recently the offence happened, and your overall driving history. Insurers view CD20 as evidence that your driving directly affected other road users.
Here are the key factors that could affect your price.
| Key Factor | Impact on Your Price |
|---|---|
| Your CD20 conviction | A CD20 for inconsiderate driving carries 3-9 penalty points. More points generally means a higher loading on your premium. |
| Time since conviction | Your price could drop each year as the CD20 ages. A conviction from 3 years ago may cost less to insure than a recent one. |
| Other convictions on your licence | A CD20 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 CD20 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 insurers treat CD20 similarly to CD10. The number of points usually matters more than which careless driving code you received. A lower point count could mean a lower loading.
Ways to Cut Your Car Insurance Cost
A CD20 could push your premium up, but there are steps you could take to bring it down. Get quotes above to see what is available.
Never Accept Your Renewal Price
Your CD20 loading could reduce each year, but your insurer will not tell you that. Get quotes above to check what you should actually be paying.
Let the Conviction Age
A CD20 stays on your licence for 4 years. Each year that passes without further incidents could bring your loading down. The first 12 months often make the biggest difference.
Prove You Have Changed
A telematics policy lets your insurer see that you now drive with full consideration for other road users. Good scores could help at renewal.
Pick a Lower Group Car
Cars in lower insurance groups cost less to insure, even with a CD20. If you are changing vehicles, checking the group first could help.
Raise Your Voluntary Excess
A higher excess could cut your premium. Just make sure you could afford it if you needed to claim.
Pay the Full Year If Possible
Monthly payments often include interest charges. Paying upfront could reduce what you pay overall.
Add Security to Your Setup
Dashcams, trackers, and secure parking all reduce risk. Small changes could lower your quote.
Saving Tip: You made one mistake on the road. Do not make another by accepting the first renewal price you see. Compare quotes above - Clean Green Cars introduces you to brokers who handle inconsiderate driving convictions regularly.
How To Compare CD20 Car Insurance Quotes
Getting quotes after a CD20 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 CD20
Select the CD20 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
You may not have realised your driving was affecting anyone else at the time. A CD20 often comes as a shock because the behaviour felt normal to you - until someone else was impacted by it.
CD20 relates to driving without reasonable consideration for other road users under Section 3 of the Road Traffic Act 1988. Splashing pedestrians, dazzling oncoming drivers, or forcing other vehicles to take evasive action could all lead to this endorsement.
Like CD10, it carries 3 to 9 penalty points and stays on your licence for 4 years. Most insurers treat CD10 and CD20 in a very similar way when pricing your policy. The number of points matters more than which specific code you carry.
Specialist brokers understand that inconsiderate driving is often a single misjudgement, not a character trait. That understanding could make a real difference to your quote.
Co-founder of Clean Green Cars
Common CD20 Car Insurance Questions
What Is a CD20 Conviction Code?
CD20 is the DVLA endorsement code for driving without reasonable consideration for other road users. It falls under Section 3 of the Road Traffic Act 1988.
How Long Does a CD20 Stay on Your Licence?
A CD20 stays on your driving licence for 4 years from the date of the offence. Most insurers ask about convictions for up to 5 years.
What Is the Difference Between CD10 and CD20?
CD10 covers driving without due care and attention, which includes personal errors. CD20 requires that your behaviour directly affected another road user.
How Much Does CD20 Increase Car Insurance?
Most insurers treat CD20 similarly to CD10. The increase depends mainly on the number of points and how recently the offence happened.
What Behaviour Can Lead to a CD20?
Examples include splashing pedestrians, dazzling oncoming drivers, forcing other vehicles to brake suddenly, or driving unreasonably slowly and causing tailbacks.
Is CD20 a Criminal Offence?
CD20 is a motoring conviction. Whether it appears on a criminal record (DBS) 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 1974.
Can You Be Banned for a CD20?
Yes, but a ban for CD20 is discretionary, not mandatory. The court may impose one depending on how seriously your driving affected other road users.
How Many Points Does a CD20 Carry?
A CD20 carries 3 to 9 penalty points. The exact number depends on severity and culpability.
Do Insurers Treat CD10 and CD20 Differently?
Most insurers treat CD10 and CD20 in a very similar way. The number of points matters more than the specific code.
What Happens After I Submit My Details?
After you submit your details, Clean Green Cars introduces you to specialist brokers who cover drivers with CD20 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 due care and attention, or without reasonable consideration for other road users (combined)
Compare CD30 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 CD20 Car Insurance Providers
Useful Resources
- GOV.UK - Penalty Points and Endorsements - How the penalty points system works, including endorsement codes and expiry dates.
- GOV.UK - Driving Disqualifications - What happens when you are disqualified from driving, including discretionary bans.
- GOV.UK - View Your Driving Licence - Check your licence online to see your current points and convictions.
