CD80 Car Insurance | Death by Careless Driving

Why Compare CD80 Car Insurance?

Most Standard Insurers May Decline CD80

CD80 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 CD80 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.

CD80 Car Insurance At A Glance

CD80 means causing death by careless, or inconsiderate, driving under Section 2B of the Road Traffic Act 1988.
The penalty is 3 to 11 penalty points, an unlimited fine, up to 5 years in prison, and an obligatory ban of at least 12 months.
An extended retest may be ordered at the court’s discretion before your licence is restored.
Click the green button above to compare CD80 quotes from convicted driver insurance brokers.

What Is a CD80 Conviction?

CD80 is the DVLA endorsement code for causing death by careless, or inconsiderate, driving. The GOV.UK drug driving law page lists the 17 controlled substances and their legal limits. It is one of the most serious motoring offences in UK law.

Penalty	Details
Penalty Points	3 to 11
Driving Ban	Obligatory – minimum 12 months
Maximum Fine	Unlimited
Time on Licence	4 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. Serious custodial sentences may take much longer to become spent under the Rehabilitation of Offenders Act 1974.

CD80

Can You Get Insurance With a CD80 Conviction?

Yes, though CD80 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 CD80 stays on your licence for 4 years from the date of conviction. During this period, you must declare it to any insurer who asks about your conviction history. The market for CD80 cover is narrower than for standard careless driving codes, but it is not closed.

The key factors insurers consider include how long ago the conviction was, how many points you received, the length of your ban, and whether you have kept a clean record since returning to the road. A CD80 from several years ago with no further incidents may be viewed more favourably than a recent one.

Specialist brokers who work with convicted drivers every day know which insurers consider CD80 applications. Clean Green Cars introduces you to these brokers, so you could compare quotes from providers experienced with serious endorsement codes.

Who Needs CD80 Car Insurance?

CD80 is a serious endorsement code. Here is who typically needs to compare CD80 car insurance quotes.

Ban Ended, Retest Complete

You have served your ban and passed the extended retest. Getting insured is the next practical step. Specialist brokers handle this transition regularly.

Released and Starting Over

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

First Policy Since Conviction

The retest is behind you. You need cover and may not know where to start. Specialist brokers guide drivers through this process every day.

Building a Clean Record

Each year without further incidents could reduce your loading. Specialist brokers help you find cover that reflects your current record, not just the code.

Multiple Endorsements

A CD80 alongside other codes narrows the field, but specialist brokers handle complex records and know which insurers take a balanced view.

Worth Knowing: However difficult the circumstances, specialist cover exists. Clean Green Cars introduces you to brokers who handle drivers with CD80 endorsements and understand the process of getting back on the road.

What CD80 Car Insurance Covers

A CD80 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. Compare all three levels before deciding.

What CD80 Car Insurance May Not Cover

A single missed detail could mean a claim gets declined. Here is what CD80 car insurance usually does not cover.

Standard Exclusions

Undeclared Convictions - If you do not tell your insurer about your CD80 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 CD80 Conviction?

Your quote depends on the circumstances of the conviction, the length of your disqualification, and your overall driving history. The drug element is shared with DG10 (drug driving), though CD80 involves a fatal outcome.

Key Factor	Impact on Your Price
Your CD80 conviction	CD80 involves causing death by careless or inconsiderate driving. Most mainstream insurers may decline.
Time since conviction	Your price could drop each year as the CD80 ages. A conviction from several years ago may cost less to insure than a recent one.
Other convictions on your licence	A CD80 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 CD80 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 CD80 is heavy initially, but each clean year could bring it down. Comparing quotes annually helps you see when the price starts to ease.

CD80 Car Insurance - what affects your insurance cost

Ways to Cut Your Car Insurance Cost

A CD80 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.

Telematics Demonstrates Change

A black box gives your insurer real evidence of safe driving. After a CD80, demonstrating responsible behaviour could be the most effective way to reduce your premium.

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 assess your application.

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: Time and clean driving are your strongest tools. Compare quotes above - Clean Green Cars introduces you to brokers experienced with serious motoring convictions.

How to Compare CD80 Car Insurance Quotes

Getting quotes after a CD80 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 CD80

Select the CD80 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 CD80 conviction means navigating the aftermath of a fatal accident alongside the stigma of a drug-related offence. The practical challenges - finding insurance, getting back on the road - can feel secondary to everything else, but they still need to be dealt with.

CD80 records a conviction for causing death by careless, or inconsiderate, driving under Section 2B of the Road Traffic Act 1988. This offence covers situations where careless or inconsiderate driving results in a fatalitts in the Crime and Courts Act 2013.

The penalties mirror other fatal CD codes: up to 5 years in prison, an obligatory ban of at least 12 months, and a compulsory extended retest. The endorsement stays on your licence for 4 years. Specialist brokers understand drug-related conviction codes and work with insurers who assess each case on its own merits.

- Susan Difford
Co-founder of Clean Green Cars

Common CD80 Car Insurance Questions

What Is a CD80 Conviction?

CD80 is the DVLA endorsement code for causing death by careless, or inconsiderate, driving under Section 2B of the Road Traffic Act 1988.

How Long Does CD80 Stay on Your Licence?

CD80 stays on your licence for 4 years from the date of conviction.

Can You Get Insurance With a CD80 Conviction?

Yes. Specialist brokers work with insurers who consider CD80 applications individually. Clean Green Cars introduces you to these brokers.

What Is the Difference Between CD80 and CD50?

CD80 relates to exceeding a specified drug limit (measurable in blood). CD50 relates to general unfitness through drugs. Both carry the same maximum penalties.

What Is the Maximum Sentence?

Up to 5 years in prison, an unlimited fine, and an obligatory ban of at least 12 months with a compulsory extended retest.

Is CD80 a Criminal Offence?

Yes. CD80 is an either-way offence that can be tried in the Crown Court or magistrates’ court.

Do You Need an Extended Test?

Yes. A compulsory extended driving test is mandatory after a CD80 conviction.

How Long Is the Ban?

The obligatory ban is at least 12 months. Courts may impose longer.

How Long Must You Declare CD80?

You must answer your insurer’s questions truthfully, which usually means declaring CD80 for at least 5 years, and often longer for 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.