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DD40 Insurance – Compare Cheap Quotes

If you’ve received a DD40 conviction for dangerous driving that conviction code will stay on your driving record for 4 years from the date of conviction, which means you could be paying more for your DD40 insurance for years to come.

Of course, that doesn’t mean you shouldn’t shop around for the cheapest DD40 insurance quotes you can find. In fact, when you need any type of ‘convicted driver insurance’ it’s even more important than usual that you shop around for the best quotes by comparing prices from a wide range of different providers. By doing that you stand a far better chance of finding a suitable DD40 insurance policy at a price that won’t break the bank.

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By how much will my car insurance premium rise after a DD40 conviction?

That depends to some extent on how many penalty points you receive for the DD40 conviction. This type of motoring conviction can result in anywhere from 3 to 11 penalty points, depending on just how dangerous the dangerous driving is deemed to be. Minor offences might only result in 3 penalty points, which could potentially increase your premium by an average of just 5% (assuming you don’t already have points on your licence, of course).

However, a more serious DD40 conviction that results in six or more points could increase your premium by as much as 25% a year for the next four years, while 11 penalty points could see your premium spike up by 50% or more.

Why is DD40 car insurance so expensive?

While a DD40 conviction (or any of the other dangerous-driving convictions, such as DD10, DD60, DD80 or DD90) is just one of the factors insurance providers use to assess your risk profile, it is an important one.

Car insurance for convicted drivers usually costs more because insurance claims data suggests these drivers are more likely to be involved in an accident and more likely to claim on their insurance, and insurance providers usually increase the premiums for these motorists to offset this increased risk.

How can I find cheap DD40 insurance?

At the risk of belabouring the point, if you’re looking for cheaper DD40 insurance your most important priority should be to shop around by comparing quotes from a wide range of providers. That way you stand a better chance of finding a provider who specialises in insuring drivers with dangerous driving convictions, or at least one who doesn’t hike their premiums quite as much when motorists have these convictions.

In addition to shopping around for cheaper DD40 insurance quotes, there are a number of other things that might help you find cheaper insurance, such as:

  • Opting for telematics insurance – One way to help offset some of the risk you represent as a driver with a DD40 conviction is to provide the insurer with more data about your driving. Telematics insurance (or black box insurance, as it’s also known) is designed to give the insurance provider precisely this information, by installing a device in your vehicle that tracks your speed, handling, braking as well as where and when you drive.
  • Parking your car in a garage or on a private driveway – vehicles that are parked on a private driveway or in a garage have a lower risk of being stolen, vandalised or hit by a passing car.
  • Taking an advanced driving test (such as the ‘Pass Plus’ or ‘RoSPA Advanced Drivers and Riders’ test) – If you want to get cheaper premiums without needing to sit on your full licence for a long period, an advanced driving test can be a good way of doing this. You will not be able to receive the same large reduction in your premiums that older drivers enjoy, however, it can still be a useful way of saving as a young driver.
  • Paying for the full year upfront – This can sometimes be a painful pill to swallow when your premium is very high, but if you’re able to pay the full amount upfront you could save quite a bit of money versus a monthly payment plan.