Dangerous Driving Insurance

UK drivers with a dangerous driving conviction once the licence is back and any retest passed, and households insuring a car for another driver during the ban. Age and experience shape the terms.

The same as any car policy at the level you choose: third party, third party fire and theft, or comprehensive. Extras such as windscreen, legal expenses and a courtesy car vary by insurer.

There is no typical price. The offence, the ban, any retest, your record since, your age, the car and the postcode all shape it. We do not print average premiums.

Yes, while it is unspent and whenever an insurer asks. Leaving it out can lead to a claim being refused or the policy being cancelled, even for an incident that had nothing to do with it.

A longer, more demanding driving test that a court can order before a licence is returned. The entitlement is not fully back until it has been passed, and insurers will ask about it.

The car can be insured for another licensed driver to use, but no policy covers you driving during the ban. Tell the insurer about the conviction when the cover is arranged.

Careless driving falls below the standard expected of a competent driver. Dangerous driving falls far below it, and the consequences are heavier, including a ban and often an extended retest.

Some will, though many step back from a recent DD conviction. Specialist insurers handle much of this cover, and a quote is often available even where a familiar name has declined.

It can. Telematics lets careful driving count towards the price, and some insurers offer better terms to returning drivers who accept one. The trade-off can be curfews or mileage limits, so read the terms first.

Yes, if they are the main driver and will use the car most. Naming them as main driver when you would really drive most is fronting, which can void a claim.

Yes, though it is harder. A young driver has fewer clean years to set against the conviction, so quotes are fewer and higher. See our young drivers car insurance page.

A long clean record can help set a single serious conviction in context, though it does not remove it. See our over 50s car insurance page.

Often, yes, though specialist classic and import insurers set their own conviction rules, and some decline recent DD offences. See our classic car insurance and import car insurance pages.

It can be harder, as both the car and the conviction narrow the choice of insurers. Declare every change and the conviction in full. See our modified car insurance and kit car insurance pages.

Often, yes, though the choice can be narrower after a recent conviction. Compare each level rather than assuming only third-party cover is available, because the difference is sometimes smaller than expected.

They usually ease as the conviction ages and clean years build up, though more slowly than for a minor offence. Compare quotes at every renewal rather than staying put with one insurer.

Look beyond the price to who can drive, the level of cover, the total excess including any conviction excess, telematics conditions, payment terms and what happens if another offence lands during the policy year.