CD90 Car Insurance | Death Unlicensed Uninsured

Why Compare CD90 Car Insurance?

Most Standard Insurers May Decline CD90

CD90 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 CD90 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.

CD90 Car Insurance At A Glance

CD90 means causing death by driving: unlicensed, disqualified, or uninsured drivers under Section 3ZB of the Road Traffic Act 1988.
The penalty is 3 to 11 penalty points, an unlimited fine, up to 2 years in prison, and an obligatory ban of at least 12 months.
An extended retest may be required at the court’s discretion.
Click the green button above to compare CD90 quotes from convicted driver insurance brokers.

What Is a CD90 Conviction?

CD90 is the DVLA endorsement code for causing death by driving: unlicensed, disqualified, or uninsured drivers. 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 sentence length. Minimum 5 years for shorter sentences; serious sentences may take much longer to become spent

CD90

Can You Get Insurance With a CD90 Conviction?

Yes, though CD90 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 CD90 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 CD90 cover is narrower than for standard careless driving codes, but it is not closed.

The specific circumstance behind your CD90 may influence how insurers view your application. A conviction involving driving while uninsured may be viewed differently from one involving driving while disqualified. The number of points, the length of your ban, and your record since returning to the road all factor into the assessment.

Specialist brokers who work with convicted drivers every day know which insurers consider CD90 applications. Clean Green Cars introduces you to these brokers, so you could compare quotes from providers experienced with serious endorsement codes.

Who Needs CD90 Car Insurance?

CD90 is a serious endorsement code. New drivers who were caught driving before passing their test may receive this code. Here is who typically needs to compare CD90 car insurance quotes.

Ban Has Ended

Your disqualification period is over. Getting insured again is the next step. Specialist brokers can arrange cover from the date your licence is restored.

Released and Moving Forward

You have served your sentence and are rebuilding. Specialist brokers understand the timeline from conviction to driving again and know which insurers will consider your application.

Were Driving Whilst Disqualified

The original disqualification may have been for a different offence entirely. Specialist brokers understand layered driving histories and work with insurers who assess each case.

Building a Clean Record

Each clean year on your licence matters. As time passes since your CD90, your options could improve. Specialist brokers help you track when prices start to come down.

Multiple Endorsements

A CD90 alongside other codes makes the search harder, but not impossible. Specialist brokers handle complex records and know which insurers look at the full picture.

Worth Knowing: A CD90 does not mean permanent exclusion from the insurance market. Clean Green Cars introduces you to brokers who handle complex conviction histories and understand the path back to driving.

What CD90 Car Insurance Covers

A CD90 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: Once your licence is restored, all three cover levels could be available through specialist brokers. Comprehensive could sometimes cost less than third party only - compare all three.

What CD90 Car Insurance May Not Cover

A single missed detail could mean a claim gets declined. If you need short-term cover while you compare annual policies, see temporary car insurance for convicted drivers. Here is what CD90 car insurance usually does not cover.

Standard Exclusions

Undeclared Convictions - If you do not tell your insurer about your CD90 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 CD90 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 CD90 conviction	CD90 involves causing death while unlicensed, disqualified, or uninsured. Most mainstream insurers may decline.
Time since conviction	Your price could drop each year as the CD90 ages. A conviction from several years ago may cost less to insure than a recent one.
Other convictions on your licence	A CD90 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 CD90 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: CD90 carries a shorter endorsement period than other fatal CD codes (4 years vs 11 years). The loading could reduce more quickly as a result, especially with clean years behind you.

CD90 Car Insurance - what affects your insurance cost

Ways to Cut Your Car Insurance Cost

A CD90 could push your premium up considerably. Check your current points on the GOV.UK view your licence service. Here are practical steps that could help.

Compare at Every Renewal

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

Telematics Shows Your Real Driving

A black box gives your insurer evidence of safe driving. After a CD90, this evidence demonstrates responsibility behind the wheel.

Choose a Lower Risk Vehicle

Cars in lower insurance groups cost less to insure. After a serious conviction, the car you choose could make a meaningful difference to your premium.

Raise Your Voluntary Excess

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

Pay Annually If You Can

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

Add an Experienced Named Driver

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

Park Off the Street

A driveway or garage is lower risk than on-street parking. Make sure your insurer knows.

Saving Tip: The endorsement period is shorter than other CD codes, which means your options could improve sooner. Compare quotes above - Clean Green Cars introduces you to brokers who handle serious convictions.

How to Compare CD90 Car Insurance Quotes

Getting quotes after a CD90 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 CD90

Select the CD90 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 CD90 conviction sits in a uniquely difficult place. Unlike other CD codes, the prosecution does not need to prove careless or dangerous driving. The fact that you were driving without a licence, while disqualified, or without insurance is enough - and a life was lost. The combination of these circumstances can feel impossible to move past.

CD90 falls under Section 3ZB of the Road Traffic Act 1988. The maximum sentence is 2 years in prison, an unlimited fine, and an obligatory ban of at least 12 months. The endorsement stays on your licence for 4 years from the date of conviction.

Specialist brokers understand how CD90 differs from other CD codes. They work with insurers who assess each case individually and can help you find cover once your ban ends and your licence is restored.

- Susan Difford
Co-founder of Clean Green Cars

Common CD90 Car Insurance Questions

What Is a CD90 Conviction?

CD90 is the DVLA endorsement code for causing death by driving while unlicensed, disqualified, or uninsured under Section 3ZB of the Road Traffic Act 1988.

How Long Does CD90 Stay on Your Licence?

CD90 stays on your licence for 4 years from the date of conviction. This is shorter than the 11-year period for other fatal CD codes.

Can You Get Insurance With a CD90 Conviction?

Yes. Specialist brokers can arrange cover once your ban ends and your licence is restored. Clean Green Cars introduces you to these brokers.

What Is the Difference Between CD90 and Other CD Codes?

CD90 does not require proof of careless or dangerous driving. The offence is causing death while driving unlicensed, disqualified, or uninsured. Other CD codes require the driving itself to have been careless.

What Is the Maximum Sentence?

Up to 2 years in prison, an unlimited fine, and an obligatory ban of at least 12 months.

Is CD90 a Criminal Offence?

Yes. CD90 is a criminal offence that results in a criminal record.

Is an Extended Test Required?

An extended retest may be required at the court’s discretion, but it is not mandatory for all CD90 cases.

How Long Is the Ban?

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

How Long Must You Declare CD90?

You must answer your insurer’s questions truthfully, which usually means declaring CD90 for at least 5 years, and often longer for an offence this serious. 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.