Compare DR90 Car Insurance – Cover for Convicted Drivers

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  • Car insurance for drivers with a DR90 conviction
  • Compare options from UK-approved insurance companies
  • Find affordable car insurance after a DR90 conviction

What is a DR90 Conviction?

A DR90 conviction happens when a driver is in charge of a vehicle but is not fit to drive because of drugs. This means you do not need to be driving to get this conviction. If you are found in a vehicle while using drugs, it can still apply. You could be parked, sitting in the driver's seat, or even have the keys in the ignition, and you could still face a DR90 conviction.

In UK law, this is a serious offence. If drivers are convicted of DR90, they might receive penalty points. They could also face a driving ban and see higher car insurance costs. Some insurance companies may refuse to cover drivers with a DR90 conviction. This can make it hard to find a good and affordable insurance policy.

DR90 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
DR90 In charge of a vehicle while unfit through drugs 10 points 4 years

Fact: A DR90 is not the same as other drug driving charges. This charge does not require proof that the driver was actually behind the wheel. Simply being in control of the vehicle while impaired can result in a conviction.

How a DR90 Conviction Affects Car Insurance

A DR90 conviction marks you as a high-risk driver for insurance companies. Because of this, you may face much higher rates, have fewer insurance options, and deal with stricter policy rules.

Why DR90 Car Insurance is More Expensive

  • Increased Risk – Drivers with a DR90 conviction are seen as more likely to break the law again.
  • Higher Likelihood of Claims – Insurance companies believe that convicted drivers will file more claims.
  • Fewer Insurance Providers – Many major insurance companies do not provide coverage for DR90 convictions.
  • Stricter Policy Conditions – Some insurers may require black box insurance or a higher voluntary excess.
How a DR90 Conviction Affects Car Insurance

Estimated DR90 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
DR90 Conviction £90 - £200 £1,080 - £2,400

Fact: Some insurance companies give only third-party insurance to drivers who are convicted of DR90. They do this to keep their risks low.

DR90 Conviction vs Other Drug Driving Offences

Conviction Code Offence Penalty Points Licence Duration Premium Increase
DR90 In charge of a vehicle while unfit through drugs 10 points 4 years 40% - 120%
DG10 Driving with drug levels above the legal limit 3 - 11 points 11 years 50% - 200%
DG30 Causing death by careless driving under drug influence 3 - 11 points 11 years 100% - 250%
DR80 Driving while unfit through drugs 3 - 11 points 11 years 50% - 200%

Fact: A DR90 stays on your licence for only four years. However, a DG10 or DG30 conviction lasts for 11 years. Insurers consider it a serious offence.

Legal Consequences of a DR90 Conviction

A DR90 conviction comes with serious legal consequences. You might have to pay fines, receive points on your licence, and struggle to find affordable insurance.

Penalties for a DR90 Conviction

  • You will receive 10 penalty points on your licence. They will stay there for four years.
  • A driving ban could occur. This will depend on how bad the offence is.
  • You may need to pay a fine that can be as high as £2,500.
  • A criminal record might happen. This could impact your job opportunities and travel plans.
  • Your vehicle could be taken if it is linked to other driving offences.

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How Long a DR90 Conviction Affects Insurance Costs

Conviction Type Licence Duration Time Insurance Costs Are Affected Chance of Finding Affordable Insurance
DR90 4 years 4 - 5 years Limited but possible with specialists
DG10 11 years 5 years Requires convicted driver insurance
DG30 11 years 5 years High-risk, requires specialist insurers
DR80 11 years 5 years Limited but possible with specialists

Fact: A DR90 conviction stays on your licence for four years. Some insurance companies may still take it into account when deciding prices for up to five years.

Impact of DR90 Conviction on Employment and Travel

A DR90 conviction is a type of criminal offence. It can hurt your chances of getting a job, especially if it involves driving. This conviction may also make it harder for you to travel to certain countries.

Employment Restrictions

Some jobs require a clean driving record. Here are some jobs that could be impacted:

  • Taxi drivers and private hire drivers
  • Delivery drivers and couriers
  • HGV and commercial vehicle drivers
  • Emergency services workers
  • Bus and public transport drivers

Travel Restrictions

Some countries have strict rules for visitors with criminal convictions. A DR90 conviction can change things for them.

  • USA – If your ESTA application is denied, you will need to get a full visa.
  • Canada – A drug-related conviction could affect your ability to enter. You might require a Temporary Resident Permit (TRP).
  • Australia – You need to declare any convictions on your visa applications. This may affect your chances of approval.

How to Reduce DR90 Car Insurance Costs

A DR90 conviction will increase your insurance costs. But, there are ways to lower the price of your policy.

How to Reduce DR90 Car Insurance Costs

Steps to Lower DR90 Insurance Premiums

  • Compare convicted driver insurance providers – Specialist insurers offer better rates for high-risk drivers.
  • Consider black box insurance – A telematics policy can prove responsible driving habits and reduce premiums.
  • Increase voluntary excess – Choosing a higher excess can lower monthly payments.
  • Choose a car in a lower insurance group – Some cars are cheaper to insure after a conviction.
  • Complete an advanced driving course – Some insurers offer discounts for drivers who improve their driving skills.
  • Maintain a clean driving record – Avoiding further motoring convictions can help reduce future insurance costs.

FAQs About DR90 Car Insurance

Yes, but insurance companies see it as a higher risk. Special motor insurance companies cater to unique needs. They provide insurance coverage made for convicted drivers.

A DR90 stays on your licence for four years. But, some insurance companies consider it for five years when they decide on your level of cover and review your policy needs.

Standard cover may not be available. A lot of convicted drivers select third-party insurance. Still, some insurance companies offer better rates on comprehensive insurance cover.

Sure! There are only a few options you can choose from. Temporary motor insurance for convicted drivers can cost a lot. You also have to provide important details on an online form.

Some countries may stop you from entering if you break the law. A DR90 conviction is a type of criminal offence. Be sure to look at the embassy requirements before you travel.

Yes, the insurance revolution in telematics has changed black box insurance. Now, it shows how safely a person drives. This can help lower costs because it proves responsible control of a vehicle.

Insurers might offer better rates for insurance coverage when drivers pay for the entire year at once instead of paying each month. When you pay in full, it can lower costs for insurers in the event of a claim.

Yes, changing a vehicle can create more risks, especially if it impacts how well it works or its safety. Always inform your insurance company to ensure you have the right policy.

A driver with a high risk rating and a DR90 may find it hard to renew their insurance with normal companies. They might have to search for special providers that are approved by the financial conduct authority.

A DR90 conviction is a serious crime. It can appear in background checks. This may harm your chances for getting a job or travelling. It can also affect insurance policies that are linked to theft or disqualification risks.

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Page last updated on: 08/04/2025

Page reviewed by: Shay Ramani

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