DD90 Furious Driving Conviction: Points, Ban And Years On Your Licence
Yes, you can look for car insurance with a DD90, through specialist brokers who search for insurers that consider serious convictions. MoneyHelper says an unspent conviction will probably mean a specialist or non-standard policy.
- Points3–9Unless the court bans you instead.
- On your licence4 yearsFrom the offence date, or from conviction if you're banned.
- BanPossibleNot automatic: the court may ban you instead of giving points.
- Insurers may see it4 yearsAt any time during the 4-year endorsement.
It's dealt with in the Crown Court, and the maximum sentence for furious driving is 2 years in prison.
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What Is A DD90 Motoring Conviction?
DD90 is the endorsement code for furious driving. The offence comes from section 35 of the Offences Against the Person Act 1861: causing bodily harm to someone while in charge of a vehicle, through wanton or furious driving or racing, other wilful misconduct or wilful neglect.
The offence can involve any kind of vehicle, including bicycles and scooters. Your licence only has to be endorsed when the offence involved a mechanically propelled vehicle, such as a car or a van.
DD90 Conviction Penalties: Prison, Points Or Ban
A DD90 can only be dealt with in the Crown Court. The Sentencing Council guideline gives a maximum of 2 years in custody and a range from a fine up to 2 years in custody, so prison isn't automatic. The Road Traffic Offenders Act 1988 makes a ban discretionary, so the court may ban you. If it doesn't, it must give 3 to 9 points where a mechanically propelled vehicle was involved.
Those points carry weight. GOV.UK says you can be banned if you build up 12 or more points within 3 years, and a 4-year endorsement counts for the first 3 of them. Your licence is also cancelled if you get 6 or more points within 2 years of passing your test.
DD90When Does A DD90 Become Spent?
A DD90 stays on your driving record for 4 years from the offence date, or from conviction if the court bans you, but leaving your record isn't the same as being spent. In England and Wales, the endorsement is spent 5 years from conviction (2 years 6 months if you were under 18), so a DD90 can still need declaring after it has left your record.
If You Were Banned Or Went To Prison
A ban is spent when it ends. A prison sentence of 1 year or less is spent 12 months after the sentence, including any licence period, ends, and a sentence of more than 1 year and up to 4 years is spent 4 years after it ends. A suspended sentence counts by the length of the sentence the court imposed. When there's more than one penalty, the longest period decides, and a further conviction before then can push the date back.
If The Court Ordered A Retest
GOV.UK says you might have to retake your driving test or take an extended test, and the court will tell you if you do. A ban that lasts until you pass a test isn't spent until you've passed it.
Sources: GOV.UK rehabilitation periods and Rehabilitation of Offenders Act guidance, checked 14 October 2026.
This information is based on our understanding of current law and insurance practice at the time of writing. Rules, penalties and rehabilitation periods can change and may apply differently depending on individual circumstances.
Can You Get Car Insurance After A DD90 Conviction?
Yes. Specialist brokers can look for insurers that consider a DD90, though not every insurer will quote. A DD90 needs declaring whenever an insurer asks until it's spent, and our guide covers which convictions insurers ask about.
If The Court Banned You For A DD90
A DD90 doesn't always mean a ban, but the court can disqualify you instead of giving points. If it does, don't drive until the ban has ended, and have cover in place before your first drive. If you were banned for 56 days or more, you must apply for a new licence before driving again, and the court will tell you if you also have to retake your test.
Do You Have To Tell Your Insurer About A DD90?
Yes, whenever the insurer's questions cover it, until it's spent. Give the code, offence date, conviction date and points or ban dates exactly as your paperwork shows. If you get it during a policy, MoneyHelper says you don't have to declare it until you renew, unless your policy says you must.
What Cover Can You Get With A DD90 Conviction?
Car insurance after a DD90 comes in the same three levels as any policy: comprehensive, third party, fire and theft, and third party only. Comprehensive may still be available through specialist brokers, though some insurers may only offer the lower levels or ask for a higher excess.
Driving a van or riding a motorbike? Those insurers may ask about a DD90 too, so see van cover with a DD90 or motorbike insurance after a DD90.
Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
Cover Tip: Check the cover matches how you use the car. MIB says business trips beyond your commute need business use, and making deliveries needs hire and reward cover.
Telling Your Insurer About A DD90 Conviction
Insurers may be able to find out about a DD90 for the whole time it's on your record, so answer their conviction questions accurately. It's worth knowing how many years insurers ask about too.
- Answer The Conviction Questions Accurately - Under the Consumer Insurance (Disclosure and Representations) Act 2012, what an insurer can do about a wrong answer depends on whether it was careless, or deliberate or reckless. MoneyHelper says an insurer can reject a claim if it has reason to believe you didn't take reasonable care to answer its questions truthfully and accurately.
- Insurers May Be Able To See It For 4 Years - GOV.UK says insurers may be able to find out about an endorsement at any time during a 4-year endorsement. That's the whole time a DD90 stays on your record. Most insurers' questions go back further, to the last 5 years.
- What Can Happen If Details Are Wrong - The Financial Ombudsman says an insurer might charge more, restrict the policy, settle a claim only in part, or cancel the policy as if it never existed, which means any ongoing claim will be declined.
- When A DD90 Is Spent - In England and Wales, a court endorsement is spent 5 years from conviction (2.5 years if you were under 18), so a DD90 can still need declaring after it leaves your record. A ban or a prison sentence can push the date back, as the longest period decides. Once it's spent, MoneyHelper says you don't need to declare it, even if you're asked.
How Does A DD90 Conviction Affect Your Insurance Price?
There's no single price for car insurance after a DD90. Each insurer sets its own rules, and these are the things that can shape a quote.
| Key Factor | Impact on your price |
|---|---|
| How recent the DD90 is | A recent conviction may be priced higher. Don't assume the price falls at every renewal, as each insurer sets its own rules. |
| Points or a ban | Without a ban it's 3 to 9 points. A ban, or more points on top, may narrow the choice of insurers. |
| Other codes on your record | A DD90 alongside other codes, such as speeding points, may narrow the choice of insurers and raise the price further. |
| The car you choose | Its value, power and any modifications all count. MIB says unmodified cars are generally cheaper to insure. |
| Mileage, use and parking | Give a realistic mileage, the right type of use and where the car is kept. MIB says wrong or out-of-date details can leave you uninsured without realising. |
The quotes you get will depend on your own details.
Price Insight: Note two dates and compare again at each: when your DD90 leaves your record after 4 years, and when it's spent, usually 5 years after conviction for an adult in England and Wales. Until it's spent, answer honestly if an insurer asks about it.
How Can You Help Reduce Insurance Costs After A DD90 Conviction?
While it's unspent, a DD90 stays in a quote when insurers ask about it, but the details around it are yours to change.
Ask About A Black Box Policy
Ask whether a black box policy is offered with a DD90. MIB says telematics policies can reward safe driving with lower premiums over time.
Check The Insurance Group First
Check the group before you buy a car. MIB says lower-group cars are typically smaller, cheaper to repair and more affordable to insure.
Keep The Excess Affordable
Raise the voluntary excess only to a level you could pay if you claimed. MIB says a higher excess can reduce the premium.
Quote Before You Need Cover
MIB says quotes are likely to be lowest 20 to 26 days before your renewal is due, and starting early leaves time to compare.
Our Expert On A DD90 Conviction
A DD90 is an unusual code, and being convicted under a law from 1861 can be confusing. It means someone was hurt, which can be hard to come to terms with, but it doesn't stop you looking for cover again.
A common mix-up is thinking a DD90 stops mattering once it's off your record after 4 years. GOV.UK says insurers may be able to find out about it at any time during those 4 years, and for an adult it's usually spent 5 years after conviction, so it can still need declaring in year five.
My rule of thumb: keep an eye on your points total. While your DD90 points still count, which is the first 3 of the 4 years, a few more points could take you to 12, and GOV.UK says 12 or more within 3 years can mean a ban.
Insurance Expert & Co-founder of Clean Green Cars
DD90 Furious Driving Insurance Questions
Is DD90 The Same As DD40?
No. DD40 is dangerous driving under the Road Traffic Act 1988, with an obligatory ban and an extended test. DD90 is furious driving under the Offences Against the Person Act 1861, where someone was harmed and a ban is up to the court. Both stay on your record for 4 years, though a DD90 without a ban counts from the offence date.
Will I Be Banned For A DD90?
Not always. The ban is discretionary, so the court may ban you. If it doesn't, it must give 3 to 9 points where a mechanically propelled vehicle was involved.
Can You Go To Prison For A DD90?
Yes, though not in every case. The Sentencing Council range runs from a fine up to 2 years in custody, depending on how serious the offence was.
Is A DD90 A Criminal Record?
Yes. A DD90 is a criminal conviction from a court, though it can become spent later. See car insurance with a criminal record.
What If I Passed My Test Recently?
GOV.UK says your licence is cancelled if you get 6 or more points within 2 years of passing your test. So 6 or more points for a DD90 in that time means a new provisional licence and passing the theory and practical tests again.
What Happens After I Submit My Details?
Clean Green Cars introduces you to specialist brokers who consider DD90 convictions. They contact you with quotes based on your details, and you're under no obligation to accept any quote.
What To Have Ready Before Comparing Quotes With A DD90 Conviction
Have these to hand before you get quotes.
- Your DD90 offence date and conviction date
- Whether you got points or a ban, and any ban dates
- Any other points or conviction codes
- The car's registration and where it's kept overnight
- Your annual mileage, type of use and claims history
Compare DD90 Furious Driving Car Insurance Quotes
Sources For DD90 Furious Driving Facts
- GOV.UK: endorsement codes and penalty points - DD90 points and years on your record (checked 14 Oct 2026).
- GOV.UK: how long endorsements stay on your licence - the offence-date and conviction-date rules, and when insurers may be able to see it (checked 14 Oct 2026).
- Offences Against the Person Act 1861, section 35 - the furious driving offence (checked 14 Oct 2026).
- Sentencing Council: causing injury by wanton or furious driving - Crown Court only, the 2-year maximum and the sentence range (checked 14 Oct 2026).
- Road Traffic Offenders Act 1988, Schedule 2 - the discretionary ban and 3 to 9 points (checked 14 Oct 2026).
- GOV.UK: rehabilitation periods - when endorsements, bans and prison sentences are spent (checked 14 Oct 2026).
- Financial Ombudsman: misrepresentation - what an insurer can do if an answer is wrong (checked 14 Oct 2026).
