Car Insurance for CD10 Convictions

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What is an CD10 conviction?

A CD10 penalty code is given to drivers found guilty of the offence of driving without due care and attention. A CD10 conviction is one of a number of careless driving offence codes with the prefix “CD”. They range in severity, with CD10 being the lowest level. Other conviction codes with a CD prefix are CD20 through to CD90. Each code increases in severity, with CD90 being the most serious, “Causing death by driving: unlicensed, disqualified or uninsured drivers”.

What's the penalty?

The consequences of a CD10 conviction can still be serious, however.

• You will receive between 3 and 9 penalty points on your licence
• Under the “totting up” of points system, you may be banned from driving
• You may be given a means-tested fine
• It may be more difficult to find affordable car insurance in future

Worsening circumstances could result in a more severe penalty. For example, if you hit a pedestrian while driving without due care and attention, or chose to drive when you knew you were too tired to focus properly, the penalty would be more serious than, for example, a momentary lapse in concentration with no repercussions.

How long does a CD10 conviction stay on your licence?

A CD10 conviction stays on your driving record for 4 years from the date of the offence. During this time you must declare it to insurance companies when you apply for a quote or when you renew your policy after the conviction.

What constitutes driving without due care and attention?

The definition of driving without due care and attention is:

1. Driving that falls below the expected standard of a competent driver
2. Driving that does not show reasonable consideration for other persons using the road or pathways.

Examples of driving without due care and attention

The prosecution of a CD10 offence could be applied to many different situations, and its interpretation would often depend on the circumstances. Some examples of when it might apply:

• Driving too close to the vehicle in front of you
• Eating or drinking while driving
• Careless or dangerous overtaking
• Fiddling with radio / sat nav / dash-cam etc.
• Loss of concentration

Will my car insurance go up after a CD10 conviction?

It might; it would depend on a few factors, such as how many points you were given for the offence, your previous driving history and any other convictions. Each insurer has their own rules for calculating premiums.If you find that your car insurance has increased, why not ask Complete Cover Group for a quote?We specialise in finding affordable cover for drivers with motoring convictions, with many years’ experience and great policies from some of the UK’s leading insurance companies.Click for an online quote or speak to our team on 0800 997 8232.