Why Compare Dangerous Driving Insurance?
DD Codes Are Among the Most Serious
Dangerous driving sits above careless driving in severity and carries heavier penalties, including mandatory disqualification. Most mainstream insurers may not offer cover. Clean Green Cars introduces you to specialist brokers who work with the few insurers that do.
Each DD Code Carries Different Weight
A DD40 for dangerous driving is treated differently from a DD80 for causing death. The specific code, your sentence, and time since conviction all matter. Clean Green Cars introduces you to brokers who know how each insurer assesses these factors.
Cover Is Available
Even with a serious DD conviction, insurance is available through the specialist market. Clean Green Cars introduces you to brokers who place these cases regularly and know which insurers consider each code.
Dangerous Driving Convictions At A Glance
- Specialist brokers who handle dangerous driving cases. Most mainstream providers may not quote for DD codes, but the specialist market has options.
- Cover available post-ban, including after custodial sentences. Brokers could often arrange a policy within 24 hours of licence restoration.
- All DD codes handled, from DD10 (causing serious injury) through to DD90 (furious driving). See the full list of convicted driver insurance.
- Premiums could improve significantly after 3 to 4 clean years. Comparing at each renewal is essential.
- Visit the convicted driver insurance hub if you have other endorsements alongside a DD code.
- One click to compare specialist quotes. Click the green button above to get started.
Dangerous Driving Penalties
Dangerous driving offences are among the most serious on the UK statute book. The penalties reflect the potential harm caused.
| Offence | Code | Maximum Sentence | Points | Maximum Fine |
|---|---|---|---|---|
| Causing serious injury by dangerous driving | DD10 | 5 years custody | 3-11 | Unlimited |
| Dangerous driving | DD40 | 2 years custody | 3-11 | Unlimited |
| Manslaughter or culpable homicide while driving | DD60 | Life imprisonment | 3-11 | Unlimited |
| Causing death by dangerous driving | DD80 | Life imprisonment | 3-11 | Unlimited |
| Furious driving | DD90 | 2 years custody | 3-9 | Up to £5,000 |
Find Your Dangerous Driving Code
Each dangerous driving conviction carries a specific code. Choose yours below for detailed insurance guidance.
Causing death by dangerous driving. One of the most serious motoring offences on the statute book to another person.
Compare DD10 quotesDangerous driving on a road or other public place.
Compare DD40 quotesManslaughter or culpable homicide while driving a vehicle. One of the most serious motoring offences.
Compare DD60 quotesCausing serious injury by dangerous driving.
Compare DD80 quotesFurious driving. An older offence under the 1835 Highway Act.
Compare DD90 quotesWhat Our Expert Says
Dangerous driving convictions are among the most difficult to insure, but cover is available. The specialist market has developed considerably, and there are now insurers who specifically underwrite DD code risks.
If you have served a custodial sentence, your insurance journey typically begins on the day you regain your licence. The first policy will almost certainly be expensive, but each clean year could bring your premium down. The improvement is often significant after three to four years.
One area many drivers overlook is the extended driving test. After a dangerous driving ban, you may be required to pass an extended test before driving again. Make sure you have this completed before seeking insurance, as policies cannot cover unlicensed drivers.
Insurance Expert & Co-founder of Clean Green Cars
Common Dangerous Driving Insurance Questions
Can You Get Car Insurance With a Dangerous Driving Conviction?
Yes. A dangerous driving conviction does not prevent you from getting car insurance. Mainstream insurers may decline you or charge significantly more, but specialist brokers work with insurers who accept DD codes. Clean Green Cars introduces you to brokers who handle serious driving convictions regularly.
How Long Does a Dangerous Driving Conviction Stay on Your Licence?
A dangerous driving endorsement (DD10, DD40, or DD60) stays on your licence for 4 years from the date of conviction. However, the disqualification period may be longer, and you will need to pass an extended driving test before your licence is fully restored.
How Long Does a Dangerous Driving Conviction Affect Your Insurance?
Most insurers ask about convictions from the last 5 years. Since DD endorsements last 4 years on your licence, you may need to declare the conviction for up to 5 years depending on your insurer. After that, your options could open up and prices may start to come down.
What Is the Difference Between Dangerous Driving and Careless Driving?
Dangerous driving (DD codes) means your driving fell “far below” the standard expected of a competent driver. Careless driving (CD codes) means your driving fell “below” that standard. The difference in severity is significant – dangerous driving carries a mandatory disqualification and could include a prison sentence, while careless driving may result in points only.
Do I Need an Extended Driving Test After a Dangerous Driving Ban?
Yes, in most cases. After a dangerous driving disqualification, the court typically orders an extended driving test. This is longer and more demanding than the standard test. You cannot drive legally until you have passed it, and driving without completing this requirement could invalidate your insurance.
What Sentence Can You Get for Dangerous Driving?
DD40 (dangerous driving) carries a maximum of 2 years in prison. DD10 (causing serious injury by dangerous driving) carries a maximum of 5 years. DD60 (manslaughter while driving) can carry up to life imprisonment. All three carry a mandatory driving disqualification and 3 to 11 penalty points.
How Much Does Dangerous Driving Increase Insurance?
The increase varies depending on your specific code, the circumstances of your offence, and your overall driving history. There is no fixed percentage. DD codes are among the most serious motoring convictions, so the loading may be higher than for less severe endorsements. Comparing quotes from specialist brokers is the most reliable way to find out.
Can I Get Insured After a Dangerous Driving Ban?
Yes. Once your ban ends and you have passed your extended driving test, you can get insured. You will still need to declare the conviction for the full endorsement period (4 years from the date of conviction). Specialist brokers can help you find cover as soon as your licence is restored. This applies to cars, vans, and motorbikes.
Do I Have to Declare a Dangerous Driving Conviction to My Insurer?
Yes. You must answer your insurer’s questions truthfully, which usually means declaring your dangerous driving conviction for as long as it appears on your driving record (typically 4 years from the date of conviction) and for as long as your insurer asks about convictions. Failing to declare it when asked could invalidate your policy, meaning any claim you make may be declined. Always check your DVLA record to confirm your exact code and offence date before applying.
What Happens After I Submit My Details?
Clean Green Cars introduces you to specialist brokers who accept dangerous driving convictions. After you submit the form, brokers who handle your specific DD code will come back with quotes. You can compare prices and choose the cover that suits you. There is no obligation to buy, and your details are handled in line with UK data protection rules.
How Dangerous Driving Affects Your Insurance
Dangerous driving convictions have a severe impact on insurance availability and pricing. Many insurers may not consider applications from drivers with active DD codes, which makes specialist brokers essential.
The specific circumstances of your conviction matter. A DD40 where no one was injured and you served a short ban is a very different proposition from a DD80 involving a fatality and a lengthy custodial sentence. Specialist insurers assess each case individually.
Time is your strongest ally. The further you are from the conviction date, the more options could open up. Most drivers with DD codes find their insurance situation improves significantly after 3 to 4 years. DD endorsements stay on your licence for 4 years from the date of conviction.
Telematics car insurance could provide evidence of safe driving after a dangerous driving conviction and may help reduce your premium. If you need temporary cover, temporary car insurance for convicted drivers is also available. If you also have a careless driving conviction, specialist brokers can assess both codes together. See the full list of convicted driver insurance for reference.
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Useful Resources
- GOV.UK – Penalty Points – Find out when your points expire and how the totting-up system works.
- DVLA – Check Your Licence – View your current points and convictions online.
- Sentencing Council – Dangerous Driving – Official sentencing guidelines for dangerous driving offences in England and Wales.
- Road Traffic Act 1988, Section 2 – The legal definition of dangerous driving.
