CD70 Car Insurance | Death Careless No Specimen

Why Compare CD70 Car Insurance?

Most Standard Insurers May Decline CD70

CD70 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 CD70 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.

CD70 Car Insurance At A Glance

CD70 means causing death by careless driving then failing to supply a specimen for analysis 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 CD70 quotes from convicted driver insurance brokers.

What Is a CD70 Conviction?

CD70 is the DVLA endorsement code for causing death by careless driving then failing to supply a specimen for analysis. 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.

CD70

Can You Get Insurance With a CD70 Conviction?

Yes, though CD70 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 CD70 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 CD70 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 CD70 Car Insurance?

CD70 is a serious endorsement code. If you need cover urgently, temporary car insurance for convicted drivers may bridge the gap. Here is who typically needs to compare CD70 car insurance quotes.

Ban Ended, Retest Complete

Your ban is over and you passed the extended retest. Getting insured is the next practical step. Specialist brokers handle this regularly and know which insurers will consider a CD70 application.

Released and Moving Forward

You have served your sentence. Specialist brokers understand the full timeline and can help you navigate getting back on the road.

First Policy Since Conviction

The retest is behind you and you need cover. The process can feel daunting, but specialist brokers guide drivers through it every day.

Record Improving Over Time

Each clean year since your conviction could reduce your loading. Specialist brokers can help you find cover that reflects your current record, not just the code on your licence.

Multiple Codes on Your Licence

A CD70 alongside other endorsements narrows the field, but specialist brokers handle complex records. They know which insurers assess the full picture.

Worth Knowing: The law may not distinguish between why a specimen was refused, but specialist brokers can. Clean Green Cars introduces you to brokers who handle CD70 cases and understand the nuances behind the code.

What CD70 Car Insurance Covers

A CD70 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. Browse the full convicted driver insurance guide for more detail.

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. Always compare all three levels before assuming the most basic cover option.

What CD70 Car Insurance May Not Cover

A single missed detail could mean a claim gets declined. Here is what CD70 car insurance usually does not cover.

Standard Exclusions

Undeclared Convictions - If you do not tell your insurer about your CD70 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 CD70 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 CD70 conviction	CD70 involves causing death then failing to supply a specimen. Most mainstream insurers may decline.
Time since conviction	Your price could drop each year as the CD70 ages. A conviction from several years ago may cost less to insure than a recent one.
Other convictions on your licence	A CD70 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 CD70 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 CD70 is heavy in the early years, but it does reduce over time. Each clean year brings it down. Comparing annually helps you track the improvement.

CD70 Car Insurance - what affects your insurance cost

Ways to Cut Your Car Insurance Cost

A CD70 could push your premium up considerably. The GOV.UK drink driving penalties page explains the legal consequences. Here are practical steps that could help with insurance costs.

Compare at Every Renewal

Your loading could reduce each year as the conviction ages. Never accept your renewal without checking alternatives. Get quotes above.

Telematics Is Your Strongest Evidence

A black box gives your insurer evidence of safe, responsible driving. After a CD70, this evidence could matter more than anything else on your application.

Choose a Modest Vehicle

Cars in lower insurance groups cost less to insure. A lower-risk vehicle could make a real difference to your premium after a serious conviction.

Raise Your Voluntary Excess

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

Pay Annually If You Can

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 years of experience could help balance how insurers see your overall risk.

Secure Your Parking

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

Saving Tip: Every clean year matters. Compare quotes above - Clean Green Cars introduces you to brokers experienced with serious motoring convictions who understand that circumstances vary.

How to Compare CD70 Car Insurance Quotes

Getting quotes after a CD70 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 CD70

Select the CD70 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 CD70 conviction carries a particular frustration. The law treats refusing to provide a breath, blood, or urine sample as seriously as being over the limit. Whether the refusal was from panic, confusion, or a medical reason, the legal outcome is the same - and so is the impact on your insurance.

CD70 records a conviction for causing death by careless driving then failing to supply a specimen for analysis under Section 3A(1)(c) of the Road Traffic Act 1988. The penalties match CD40 and CD60: up to life imprisonment, an obligatory ban of at least 5 years, and a compulsory extended retest.

The endorsement stays on your licence for 11 years. Specialist brokers understand this offence and work with insurers who assess each case individually rather than treating a refusal as automatic proof of guilt.

- Susan Difford
Co-founder of Clean Green Cars

Common CD70 Car Insurance Questions

What Is a CD70 Conviction?

CD70 is the DVLA endorsement code for causing death by careless driving then failing to supply a specimen for analysis under Section 3A(1)(c) of the Road Traffic Act 1988.

How Long Does CD70 Stay on Your Licence?

CD70 stays on your licence for 11 years from the date of conviction.

Can You Get Insurance With a CD70 Conviction?

Yes. Specialist brokers work with insurers who consider CD70 applications individually. Clean Green Cars introduces you to these brokers.

Why Is Failing to Supply a Specimen Serious?

The law treats refusal to provide a specimen as seriously as being over the limit. The penalties mirror CD40 and CD60.

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 CD70 a Criminal Offence?

Yes. CD70 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 CD70 conviction.

How Long Is the Ban?

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

How Long Must You Declare CD70?

You must answer your insurer’s questions truthfully, which usually means declaring CD70 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.