Dangerous Driving Insurance

While most people wouldn’t ever dream of breaking the law, driving offences are fairly common. Furthermore, even the most law-abiding citizens can find themselves with a driving conviction. Dangerous driving is a major offence and having such convictions on your licence has make finding insurance a struggle.

Some companies may refuse you insurance altogether, while others will dramatically increase your premiums. At MyFirst, we work hard to find convicted drivers the best, most affordable insurance for their needs. However, if you’re not sure what dangerous driving insurance entails, this guide explains everything you need to know about dangerous driving insurance.

What is dangerous driving?

Dangerous driving is far more serious than careless driving and is described as driving in a manner which falls far below what would generally be expected of a careful and competent driver. It would be apparent to a responsible and careful driver that driving in that way would be a danger to others. Dangerous driving could include, but is not limited to:

Overtaking in a dangerous location
Racing other vehicles
Driving too fast
Driving aggressively
Driving under the influence of drink or drugs, including prescription drugs
Driving while being unfit
Driving a vehicle that you know has a dangerous fault or unsafe load
Driving while distracted

A court would decide if your driving can be described as dangerous, and you could receive one of the five dangerous driving convictions. The penalty fines for dangerous driving are unlimited, and you could receive anywhere between three and eleven points on your licence. You are also likely to be disqualified from driving for at least two years, and could even face a prison sentence depending on the seriousness of the situation.

What is a DD10 conviction?

Convicted of causing a serious injury through driving Examples include:
Falling sleep while at the wheel Being distracted while driving
AND causing serious injury

How long will DD10 stay on your licence? – 4 years .

What is a DD40 conviction?

DD40 is the most common dangerous driving offence. Reasons for this conviction include: Driving below what is expected of a careful and competent driver or driving a vehicle in a dangerous state.

The way you drive falls far below what is expected of a careful and competent driver
or

A competent and careful driver would find it obvious that it is dangerous to drive the vehicle in its current state.

If injury is imposed to any person or damage to any property, you will recieve DD40

How many points will you get and for how long?

3 – 11 points // 4 years

What is a DD60 conviction?

If you commit manslaughter or culpable homicide while driving a vehicle, then you will receive a DD60 endorsement on your licence. This will remain on your licence for four years and depending on the severity of the offence; you could obtain between three and eleven points, which could result in a driving ban. Every circumstance for receiving a DD60 is different, and in some cases, you could also receive an unlimited fine or even a prison sentence.

What is a DD80 conviction?

A DD80 endorsement will make up part of the penalty for causing death by dangerous driving. It is a serious conviction that can be a result of anything from speeding to being distracted behind the wheel. No matter what the cause is, if you cause death by dangerous driving, you will receive a DD80 endorsement on your licence.

Like with other dangerous driving convictions, the penalty is three to eleven points on your licence and the DD80 endorsement for four years. These penalties might be more serious if your case gets taken to court.

What is a DD90 conviction?

If you are convicted of furious driving, you will receive a DD90 endorsement on your driver’s licence. Causing bodily harm by wanton or furious driving will result in you being convicted with a DD90, as will racing on the roads. Racing is classed as furious driving and is the most common cause of a DD90 conviction among young drivers. This conviction will stay on your licence for four years, and you will receive three to eleven points, the same as with all dangerous driving convictions.

How can you get insurance with a dangerous driving conviction?

Once you have a dangerous driving conviction of any kind on your driving licence, it will stay there for four years from the date of your conviction. This can make getting approved for car insurance a real challenge, and many insurance companies may refuse to ensure you completely.

Companies that will accept you for insurance with a dangerous driving conviction will likely charge you extremely high premiums. This is because insurers will see individuals with DD10, DD40, DD60, DD80 or DD90 endorsements as extremely high-risk drivers compared with those with a clean licence. At MyFirst, we are on hand to help convicted drivers to get the most suitable and affordable insurance for their needs. We know that convicted drivers face higher premiums, which is why we focus on the techniques that can help to reduce the cost of premiums such as telematics insurance and dash cam insurance.

It is a legal requirement to disclose any driving convictions you have when you are buying car insurance and failing to disclose this information is a breach of the law and will also invalidate your insurance. When you are looking for car insurance with a dangerous driving conviction of any kind, MyFirst will look for insurers that specialise in this area. We have the experience and knowledge to help you get the best premiums, even with a dangerous driving endorsement on your record.