Why Compare DD90 Car Insurance?
Mainstream Insurers Often Decline DD90
Although rarer than other DD codes, furious driving is still a serious conviction. Clean Green Cars introduces you to specialist brokers with panels of insurers prepared to quote on Section 35 Offences Against the Person Act 1861 convictions where standard comparison sites decline.
Specialist Knowledge of the Older Statute
DD90 convictions are prosecuted under an 1861 statute, not the Road Traffic Act, and some mainstream insurers do not know how to price them. Specialist brokers deal with unusual conviction codes daily.
Your Cover Options Are Still Open
Comprehensive, third party fire and theft, and third party options remain available after a DD90 through specialist brokers. Clean Green Cars introduces you to brokers who can talk through all three cover levels.
Car Insurance With a DD90 Conviction At A Glance
- DD90 is the DVLA endorsement code for furious driving under Section 35 of the Offences Against the Person Act 1861.
- Carries 3 to 9 penalty points and up to 2 years in custody. The driving ban is discretionary, not obligatory.
- The endorsement stays on your driving record for 4 years from the date of conviction.
- Specialist brokers who handle convicted driver insurance can quote on DD90 cases that mainstream comparison sites decline.
- Fill in the form above to compare quotes from specialist brokers who understand DD90.
What Is a DD90 Conviction?
DD90 is a statutory offence under Section 35 of the Offences Against the Person Act 1861 - furious driving. Here's how the law defines it:
- Who it applies to - Any person in charge of a carriage or vehicle who causes bodily harm to another by wanton or furious driving, racing, or other wilful misconduct or neglect.
- Why a Victorian statute is still in force - Section 35 OAPA 1861 predates motor vehicles but its language is broad enough to apply today. It catches cases that do not fit the modern Road Traffic Act framework.
- When it is used today - Mainly for non-motor-vehicle incidents (bicycles, e-scooters, horse-drawn vehicles) and in rare cases where a specific Road Traffic Act charge is not available. A DVLA endorsement is added where the person holds a driving licence.
| Penalty | Details |
|---|---|
| Penalty Points | 3 to 9 (lowest in the DD category) |
| Driving Ban | Discretionary (not obligatory) |
| Extended Retest | May be ordered at court's discretion |
| Maximum Fine | Unlimited (Crown Court) |
| Maximum Prison | 2 years |
| Offence Type | Triable on indictment under the 1861 Act |
| Time on Licence | 4 years from date of conviction |
| Spent After | Depends on sentence. Fine: 1 year. Custody up to 1 year: 1 year after end of sentence. Custody 1-2 years: 4 years after end of sentence. |
DD90Can You Get Insurance With a DD90 Conviction?
Yes, but specialist brokers are usually required because DD90 is rare enough that many mainstream insurers have no rating model for it. Here's what to know before you compare:
- Points and ban - Between 3 and 9 points or a discretionary driving ban. DD90 is unusual because it also applies to non-motor cases (cyclists and e-scooter riders) where a driving licence endorsement still attaches if the person holds one.
- Time on your record - 4 years on the DVLA endorsement. Most insurers ask about convictions in the last 5 years.
- When it's spent - Under the Rehabilitation of Offenders Act 1974, a fine is spent 1 year after conviction. Custody of up to 1 year is spent 1 year after the end of the sentence. Between 1 and 4 years is spent 4 years after.
- Disclosure is critical - DD90 must be declared truthfully for as long as the insurer asks. Non-disclosure can invalidate the policy.
- Circumstances shape the price - Whether the conviction involved a motor vehicle, a cycle, or another vehicle type, whether there was a collision, and the clean period since the conviction all influence which insurers will quote.
Clean Green Cars introduces you to specialist brokers experienced with rare convicted-driver codes. If you need short-term cover while comparing, temporary car insurance with convictions may bridge the gap.
Who Needs DD90 Car Insurance?
Anyone with a DD90 conviction on their driving record will usually need specialist cover - mainstream insurers often do not recognise the statute. Here are the situations where comparing specialist DD90 quotes usually helps most.
Kept Licence (No Ban Imposed)
DD90's ban is discretionary. If the court did not disqualify you, you have stayed continuously insured throughout the case. Specialist brokers recognise this is different from a driver returning after years off the road.
Current Insurer Refuses to Recognise DD90
Your existing insurer has no pricing framework for a Section 35 Offences Against the Person Act 1861 conviction and has declined to renew. Specialist brokers handle rare codes routinely.
Older DD90, Near Endorsement Expiry
Your DD90 is approaching the 4-year DVLA endorsement expiry. Specialist brokers can find insurers willing to quote in that transitional window where mainstream sites still flag the code.
DD90 Involving Racing or Competitive Driving
Your DD90 involved the 'racing' limb of the 1861 statute. This is a specific category that specialist brokers will price differently from wilful neglect or wanton driving cases.
DD90 Plus Other Motoring Convictions
A DD90 combined with drink, drug, or modern dangerous driving codes pushes the price up sharply. Specialist brokers with wide panels can still place the combined record.
Worth Knowing: A DD90 is unusual enough that some mainstream insurers cannot price it at all. Specialist brokers place cover for drivers with all DVLA conviction codes every day, including rarer statutory offences. Start with an honest conversation about the circumstances.
What DD90 Car Insurance Covers
A DD90 on your licence does not change the types of cover a specialist broker can arrange. It changes which insurers will quote you and how much the policy will cost. All three standard cover levels remain available through specialist convicted driver brokers.
Cover features depend on insurer terms, driver eligibility, and how the vehicle is used.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Third-party liability | Designed to cover | Designed to cover | Designed to cover |
| Fire and theft protection | Designed to cover | Designed to cover | Not included |
| Accidental damage to your vehicle | Designed to cover | Not included | Not included |
| Personal injury cover | Often included | Sometimes included | Not included |
| Windscreen cover | Often included | Rarely included | Not included |
| Courtesy car | Sometimes included | Rarely included | Not included |
| Legal expenses | Often included | Sometimes included | Rarely included |
| Uninsured driver cover | Sometimes included | Rarely included | Not included |
Cover Tip: DD90 is less severe than other DD codes, but insurers still treat it as a serious conviction. Comprehensive cover is usually worth considering, especially if the ban was discretionary and you have kept your licence with points endorsed. A specialist broker can talk through the balance of cost and cover.
What DD90 Car Insurance May Not Cover
Accuracy on your application is critical after a DD90. Any undisclosed information can invalidate the policy and lead to a claim being declined. Here are the exclusions and limitations that apply to most DD90 policies.
Standard Exclusions
- Undeclared Convictions - If you do not declare your DD90 or any other motoring conviction when the insurer asks, your policy may be invalidated and any claim declined. Honesty on the application is the single most important thing.
- Driving During a Disqualification - If the court imposed a ban and you drive while still serving it, no insurance policy can cover you. Driving while disqualified is a separate criminal offence under Section 103 of the Road Traffic Act 1988.
- Racing or Track Use - Standard motor policies are designed for normal road use. Track days, competitive events, and any use outside everyday road driving generally fall outside cover. DD90 is sometimes prosecuted in the context of racing, so specialist brokers will ask about this.
- General Wear and Tear - Gradual damage like worn tyres, rust, or engine wear is not covered. Insurance is designed for sudden and unexpected events.
Important Limitations
- Higher Compulsory Excess - Insurers usually apply a higher compulsory excess on DD90 policies. Check your policy schedule so you know the amount before you ever need to claim.
- Named Driver Restrictions - Some DD90 policies limit who else can drive the vehicle, or exclude named drivers with their own convictions. Additional drivers may need to be declared individually.
- Mileage Restrictions - Specialist convicted driver policies often cap annual mileage. Going over the limit without telling the insurer can invalidate the cover, so the declared mileage needs to be realistic.
- Performance Vehicle Restrictions - Some specialist DD90 policies cap the type or performance of vehicle they will insure, especially where the conviction involved racing. Check what the insurer will accept before buying the car.
Optional Extras Worth Considering
Your base policy covers the essentials. These optional extras fill gaps that matter more after a DD90 - especially around legal protection and rebuilding a clean driving record.
A black box tracks your driving and can help rebuild an insurer's confidence after a DD90 conviction. Evidence of careful driving may help reduce renewal premiums over time.
If you kept your licence through a DD90 (where the ban was discretionary and not imposed), protecting any no claims discount you have built up is sensible.
Helps with legal costs if you need to dispute fault or pursue a claim after a non-fault incident. Often inexpensive and worth considering.
Roadside assistance for breakdowns. Useful regardless of conviction history.
Pays a set amount if you are injured in an incident and unable to work. Terms vary by insurer.
Helps recover losses from a non-fault crash, including uninsured loss recovery. Subject to policy limits and conditions.
What Affects the Cost of DD90 Car Insurance?
A DD90 pushes insurance premiums up, though usually less than DD10, DD60 or DD80. The price depends on the sentence imposed, whether there was a ban, and the rest of your driving record. Here are the main factors.
| Key Factor | Impact on Your Price |
|---|---|
| Whether a Ban Was Imposed | DD90 has a discretionary ban. If you kept your licence, the insurance loading is usually lower than if you served a disqualification. Insurers look at continuity of cover. |
| Time Since Conviction | The older the DD90, the lower the loading tends to be. After the 4-year DVLA endorsement expires, most insurers stop asking about it entirely (though some still query convictions within 5 years). |
| Other Motoring Convictions | A DD90 combined with drink driving, drug driving, or modern dangerous driving codes will push the price up sharply. A clean record between DD90 and renewal helps. |
| Vehicle Choice | Lower-group vehicles, modest engine sizes, and older cars generally attract lower premiums. High performance vehicles are harder to place, especially if the DD90 involved racing. |
| Annual Mileage | Lower realistic mileage often reduces the price. Going over the declared mileage without telling the insurer can invalidate the policy. |
| Voluntary Excess | Accepting a higher voluntary excess can lower the premium, but check what the compulsory excess already is after a DD90. |
| Telematics Option | A telematics policy provides evidence of safe driving and may help reduce renewal premiums over time, particularly valuable for an unusual conviction code like DD90. |
| Who Drives the Car | Restricting the policy to named drivers with clean records can help. Adding a younger or inexperienced driver tends to increase the price. |
Price Insight: DD90 is a rarer code and some mainstream insurers do not have a pricing framework for it, which is why specialist brokers are important. Comparing quotes at every renewal is the most reliable way to see whether the market has developed a better price for your situation.
Ways to Reduce Your DD90 Car Insurance Cost
A DD90 pushes premiums up, but there are practical steps that can bring the cost down. Here are 7 ways to reduce what you pay.
If You Kept Your Licence (No Ban Imposed)
DD90 has a discretionary ban. If the court did not disqualify you, your insurance conversation is very different from drivers who have been off the road for years. Make sure a specialist broker knows you have stayed continuously insured.
If Your DD90 Involved No Racing
The 1861 Act covers wanton or furious driving, racing, or wilful misconduct. A DD90 that did not involve racing looks different to insurers from a DD90 that did. Your specialist broker should note the specific limb of the offence.
If Your DD90 Is Older Than 4 Years
DD90 stays on your DVLA record for 4 years. After that, most insurers stop asking about it entirely (some still ask about convictions within 5 years). Compare quotes once the 4-year window passes - the price may drop significantly.
Consider Telematics for a Rare Code
Some mainstream insurers have no pricing framework for DD90 at all. A telematics policy gives insurers a framework they do recognise - actual driving data - which can help place a rare code where abstract pricing fails.
Choose a Modest Vehicle
High performance vehicles are particularly difficult to place after a DD90 where the conviction involved racing or wanton driving. A lower-group vehicle is easier for specialist brokers to quote on.
Pay Annually If You Can
Monthly payment adds an interest charge. Paying annually avoids that cost.
Compare Every Renewal
Because DD90 is rare, the specialist broker market moves faster than mainstream pricing. A broker who quoted last year may have a different insurer on panel this year. Always re-shop.
Saving Tip: Each clean year after a DD90 tends to reduce the loading. Comparing with specialist brokers at every renewal is the most reliable way to see whether the price is coming down for your situation.
How to Compare DD90 Car Insurance Quotes
Getting DD90 quotes through Clean Green Cars is straightforward. Here is how the process works. Get started above when you are ready.
Enter Your Vehicle Details
Registration number, make, model, and where the vehicle is kept overnight. Specialist brokers need the same basic vehicle information as any other quote.
Declare Your DD90
Enter the DD90 conviction code, the date of conviction, and any points on your licence. Declare any other motoring convictions honestly - the broker can only work with the full picture.
Add Your Driving History
Any other convictions, recent claims, years of no claims discount, and whether the court imposed a ban. Accuracy matters - incorrect information can invalidate the policy.
Choose Your Cover Level
Decide between comprehensive, third party fire and theft, or third party only. A specialist broker can talk through the balance of cost and cover for your circumstances.
Compare the Quotes
Specialist brokers return quotes based on your full details. Compare the prices, the cover, the excess, and the policy terms before you commit.
What Our Expert Says
DD90 is the oddity in the DD family. It is prosecuted under a Victorian statute that predates motor vehicles themselves - Section 35 of the Offences Against the Person Act 1861. The 1861 Act was drafted for horse-drawn carriages. The courts have applied it to cars ever since.
Because DD90 is unusual, some mainstream insurers do not have a pricing framework for it at all. They see an offence code they do not recognise and decline. The specialist broker market is where DD90 cases get placed, and those brokers will recognise the code and know which insurers have underwriters who can handle the 1861 statute. They will ask direct questions about whether the circumstances involved racing, reckless manoeuvre, or wilful neglect, because the three limbs of the offence affect how underwriters price the loading.
The ban is discretionary, which means not every DD90 driver has been off the road. Where there has been no disqualification, the insurance conversation starts from a different place. Comparing quotes at every renewal is the most reliable way to know whether the loading is coming down.
Co-founder of Clean Green Cars
Common DD90 Car Insurance Questions
What Is a DD90 Conviction?
DD90 is the DVLA endorsement code for furious driving under Section 35 of the Offences Against the Person Act 1861. It carries 3 to 9 penalty points, a discretionary driving ban, and up to 2 years in custody.
Why Is DD90 Prosecuted Under an 1861 Statute?
Under the Offences Against the Person Act 1861, Section 35 creates an offence of causing bodily harm by wanton or furious driving. The statute predates motor vehicles but remains in force. It is occasionally used where the Road Traffic Act 1988 framework does not quite fit.
How Long Does a DD90 Stay on My Driving Licence?
Under the DVLA endorsement rules, a DD90 stays on your driving record for 4 years from the date of conviction. Most insurers then ask about convictions in the last 5 years.
What Is the Maximum Sentence for DD90 Furious Driving?
Many drivers assume the 1861 Act carries trivial penalties. It does not. The maximum under Section 35 is 2 years in custody, plus a fine at the court’s discretion and a discretionary driving ban.
Is the Driving Ban for DD90 Obligatory?
No. Unlike DD10, DD40, DD60 and DD80, the driving ban for DD90 is discretionary. The court decides whether to disqualify based on the circumstances. Some DD90 convictions result in points only, with no ban.
Can You Get Car Insurance After a DD90 Conviction?
Under the specialist broker market, yes. Some mainstream insurers have no pricing framework for the 1861 statute at all and decline. Specialist brokers recognise the code and have insurer panels that will quote.
How Is DD90 Different From DD40?
Many drivers confuse the two. DD40 is dangerous driving under Section 2 of the Road Traffic Act 1988, with an obligatory 1-year ban. DD90 is furious driving under the 1861 Act, with a discretionary ban. Both carry a 2-year maximum sentence.
When Does a DD90 Become Spent Under the Rehabilitation of Offenders Act?
It depends on the sentence. Fine: 1 year after conviction. Community order: last day of the order. Custody up to 1 year: 1 year after end of sentence. Custody 1-2 years: 4 years after end of sentence.
Do I Have to Declare My DD90 After the Endorsement Is Removed?
Yes. Most insurers ask about motoring convictions in the last 5 years, past the 4-year DVLA endorsement period. Non-disclosure can invalidate the policy and lead to any claim being declined.
What Happens After I Submit My Details?
Your details are passed to specialist brokers who handle DD90 cases. They return quotes based on your information. Compare the quotes, cover levels, and policy terms before choosing.
Related Dangerous Driving Conviction Codes
DD90 sits within the dangerous driving family of conviction codes. Each carries different penalties and different insurance implications. These are the related DVLA endorsement codes.
Search & compare quotes from UK DD90 Car Insurance Providers
Useful Resources
- GOV.UK - Endorsement Codes and Penalty Points - The official DVLA list showing all endorsement codes, penalty points, and how long each stays on your record.
- Legislation.gov.uk - Offences Against the Person Act 1861, Section 35 - The statute creating the furious driving offence, unusually old but still in force.
- GOV.UK - How Long Endorsements Stay on Your Driving Record - The official rule on DD endorsement retention.
- CPS - Road Traffic Charging Guidance - Crown Prosecution Service guidance on when the 1861 Act is charged instead of modern Road Traffic Act offences.
- GOV.UK - New Drivers - Explains how the Road Traffic (New Drivers) Act 1995 revokes a licence after 6 or more points in the first two years.
