CD30 car insurance: careless driving and finding cover
The information in this article is for editorial purposes only and not intended as financial advice.
The information in this article is for editorial purposes only and not intended as financial advice.
What CD30 means, how it may affect cover and what to disclose when comparing car insurance.
What is a CD30 conviction?
A CD30 conviction is given to drivers who drive without due care and attention and/or without reasonable consideration for other road users.
In that regard, it’s a combination of a CD10 and CD20 conviction.
Is it a criminal record?
When a court convicts you of a driving conviction, the conviction will also create a criminal record.
Is it serious?
CD30 can result in penalty points, a fine and possible disqualification. It is a different offence from causing death by driving. The exact code and court outcome matter, so check the official endorsement list and your paperwork.
How long does it stay on your licence?
A CD30 conviction remains on your driving licence record for four years from the date the offence was committed.
How can points affect car insurance?
| Factor | What it means for your quote |
|---|---|
| Penalty points and convictions | There is no fixed percentage increase that applies to every driver. Insurers assess the offence, its date and your wider circumstances. |
| Cover and excess | Compare the cover, excesses, exclusions and payment terms as well as the price. |
| Insurer criteria | Quotes and acceptance vary. A comparison does not guarantee a saving or an offer of insurance. |
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What is the penalty?
The repercussions of a CD30 conviction are summarised in the table below:
| Conviction code | Nature of offence | Penalty points | Fine amount |
| CD30 | Driving without due care and attention and/or without reasonable consideration for other road users | Between 3 and 9 penalty points depending on the details of the careless driving offence | Varying fine based on the details of the offence and a means test |
The repercussions are greater for other driving convictions, such as drunk driving.
Which insurance companies do not ask about criminal convictions?
Take reasonable care to answer the insurer’s questions accurately about unspent convictions, points and bans. Check the policy for changes you must report before renewal. Spent convictions generally do not need to be disclosed for ordinary motor insurance, even when asked. If the question or your conviction’s status is unclear, get advice before answering.
If you gave an incorrect answer, tell the insurer promptly. An omission does not automatically make every policy void or amount to fraud. The outcome depends on the questions, the care taken and what the insurer would have done with the correct information. See the Financial Ombudsman’s guidance.
How does it affect insurance?
There is no fixed percentage or cash increase that applies to everyone. Insurers consider the offence, driving history, vehicle, address, use and other factors. A historic average cannot predict your quote, and some insurers may decline. Compare current personalised quotes for suitable cover.
Consider searching for convicted driver insurance
Some providers or brokers consider drivers with CD30 convictions. Compare any specialist option with other available quotes, checking the cover, exclusions, excess and full payment cost. A specialist label is not a guarantee of acceptance or savings.
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Are there any tips for securing affordable car insurance?
Compare premiums alongside cover, exclusions, compulsory and voluntary excess and any instalment interest. Specialist insurers and brokers may help, but are not automatically cheaper. Use accurate mileage and vehicle-use details. Only add a genuine named driver, identify the main driver correctly and choose an excess you can afford.
Check with an insurer before paying for an advanced-driving course solely to obtain a discount. Neither a course nor telematics cover guarantees savings.
What is the most affordable car insurance I can get?
It’s not always possible to state what the most affordable insurance provider is for people with a CD30 conviction. The various CD30 insurance policies are subject to frequent change and may not be accurate at the time of reading.
Moreover, several factors can influence insurance policies when you have a driving conviction, such as age, vehicle, where you live in the UK, etc.
So, what can you do to find affordable car insurance with a CD30 conviction? You should consider:
- Searching specifically for CD30 car insurance or convicted driver car insurance
- Combine these searches with car insurance comparison websites
- Or use a car insurance broker who specialises in helping people get the best insurance deals with a driving conviction
