Drug Driving Insurance
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Convicted of drug driving? Finding affordable car insurance with a DR80 or DG endorsement isn’t easy, but specialist insurers on our panel understand drug driving convictions and can offer competitive cover.
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Drug driving conviction codes
If you have an unspent drug driving conviction, insurance will be more expensive, but you should still compare all the available options to reduce costs and save money.
| Conviction Code | Offence | Points |
|---|---|---|
| These codes must stay on a driving record for 11 years from the date of conviction. | ||
| DG10 | Driving or attempting to drive with drug level above the specified limit | 3 to 11 |
| DG60 | Causing death by careless driving with drug level above the limit | 3 to 11 |
| DR80 | Driving or attempting to drive when unfit through drugs | 3 to 11 |
| These codes must stay on a driving record for 4 years from the date of the offence, or 4 years from the date of conviction if disqualified. | ||
| DG40 | In charge of a vehicle while drug level above specified limit | 10 |
| DR70 | Failing to co-operate with a preliminary test | 4 |
| DR90 | In charge of a vehicle when unfit through drugs | 10 |
Did You Know?
You can access your driving licence record online to see all disqualifications, endorsements and penalty points.
Check Licence OnlineSpecifically looking for DG10 Insurance?
Don’t use a general quote form. See our specialist DG10 Guide for roadside test videos and ban reduction tips.
VIEW DG10 SPECIALIST PAGE →How much does Insurance go up after a Drug Driving conviction?
Convictions and prosecutions are taken quite seriously by insurance providers, and a drug driving conviction will usually lead to a 100% premium increase upon renewal. Some insurers will even refuse a driver cover that has a drug driving charge.
Drug driving is looked upon very negatively by insurance providers. Be very careful when taking a new prescription drug to check the side effects and consult with your GP whether driving or operating machinery will be possible.
Did You Know?
If you’re on a budget, most insurance brokers allow you to spread the cost by paying monthly.
Average cost of car insurance after drug driving ban
Considering that the average car insurance quote comes out at around £400/year, which is representative of the average driver, driving the average car. That same driver after the accident will have to shell out on average a massive £800/year.
It is worth noting that this effect will last 11 years until the conviction is removed from your licence and will no longer affect the premium. In this time, the average cumulative insurance cost of the conviction will be £4,000 more than you would have paid. This is less impactful when inflation is taken into account and if no claim’s bonus is increased over these years.
Is a DG10 a criminal conviction?
A DG10 conviction is a criminal conviction issued by a court that signifies a person as guilty of drug driving. It will be registered with the government and appear on a criminal record and a driving licence.
The driver doesn’t have to have impaired driving, just a large enough presence of drugs in the blood is enough to be prosecuted for drug driving. This threshold is surprisingly low and will show up on a roadside test. Policemen use screening devices to find drugs in your system through saliva, or a physical inebriation roadside tests.
Even a small or micro dose is deemed dangerous. Different drugs all have an effect on drivers’ reactions, and risk judgements, and can be deemed dangerous if over a certain threshold.
Drug driving and prescription medication
Whilst drug driving is mostly associated with driving whilst under the influence of illegal drugs, it is not always the case. Over the counter or prescription drugs s can also land you with a drug driving conviction, and it is more common than you might think.
Before taking any medication, check the label and also check with your doctor to confirm they will not impact your ability to drive or operate machinery.
| Drug | Limit in Blood (µg/L) |
|---|---|
| Amphetamine | 250 |
| Clonazepam | 50 |
| Diazepam | 550 |
| Flunitrazepam | 100 |
| Lorazepam | 100 |
| Methadone | 500 |
| Morphine | 80 |
| Oxazepam | 300 |
| Temazepam | 1000 |
Drug driving Convictions with illegal drugs
In 2012 the government announced a zero tolerance to 8 illegal drugs enzoylecgonine, cocaine, delta-9-tetrahydrocannabinol (cannabis), ketamine, lysergic acid, diethylamide, methylamphetamine, Methylenedioxymethamphetamine (MDMA) and 6-monoacetylmorphine (heroin).
More details can be found at https://www.gov.uk/government/collections/drug-driving#table-of-drugs-and-limits and https://www.gov.uk/drug-driving-law
Drug Driving Consequences
If a driver fails a roadside test, they can be arrested, spend a night in prison and have to take a follow-up blood test. Drug driving always results in a minimum of a 1-year driving ban, unlimited fine, 3–11 points on your licence, and up to 6 months in prison.
A criminal conviction will leave a mark on your criminal record and driving licence, lead to increased car insurance premiums, a reduced employment prospect, possible travel restrictions, and criticism from your peers and colleagues.
Every accident has far-reaching consequences – the human impact of a road incident is enormous. The injuries sustained don’t just affect the victims, but also their families. A car incident can result in lifelong disabilities, and even death. The human effects of these tragedies are extremely awful, and much worse than a criminal conviction and driving ban.
How can I reduce the cost of my Drug Driving Car Insurance?
To avoid a big sting on your insurance premium after receiving a a drug driving convction, it’s advised to search for specialist DG10 car insurance policies. The insurers that recognise the conviction are better prepared to offer a really competitive price on your policy, saving you money. They even know the ins and outs of the conviction, legal matters, and can guide you on what best your course of action should be after receiving a conviction and how to approach an insurance policy during or after a driving ban.
Other ways to make up the ground if an increased premium makes you wince include, usual premium reducing measures, such as fitting a black box, choosing a car in a lower insurance group, example group 7 , getting a second driver insured that has a great insurance track record and credentials, or reducing your estimated mileage by planning alternative means of travel.
Get car insurance quotes with a drug driving conviction now
We can provide you with access to multiple quotes from a panel of car insurance providers. After providing the required information, you’ll be sent your tailored quotes from the panel of convicted drivers’ insurance specialists. All you have to do is pick the policy and terns that’s right for your circumstances.
UK Drug Driving Insurance FAQ’s
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