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  • Look for car insurance after getting a DR20 drink driving offence.
  • Explore a range of providers to discover the right policy for you.
  • Receive a free quote today. Enjoy flexible payment options.

What is a DR20 Conviction?

A DR20 conviction occurs when a driver is caught driving or trying to drive while unable to do so because of alcohol. This is not just about exceeding a specific alcohol limit. It focuses on how the driver's actions indicate that they are not fit to drive.

A DR20 is a major driving crime in the UK. It can result in tough punishments.

Penalty for DR20:

Conviction Code Offence Penalty Points Licence Endorsement Duration
DR20 Driving or attempting to drive while unfit through drink 3 – 11 11 years

Fact: A DR20 endorsement stays on your driving licence for 11 years. This is counted from the date of conviction.

Legal Consequences of a DR20 Conviction

A DR20 drink driving conviction comes with serious penalties:

  • Driving Ban: You will be banned from driving for at least 12 months.
  • Fine: You could pay up to £5,000.
  • Imprisonment: For serious problems, you could go to jail for up to 6 months.
  • Penalty Points: You will receive 3 to 11 penalty points on your licence.
Penalty Details
Driving Ban Minimum 12 months
Fine Up to £5,000
Imprisonment Up to 6 months
Endorsement Duration 11 years

A first offence may result in a driving ban and a criminal record.

How a DR20 Conviction Affects Car Insurance

Having a DR20 conviction leads to higher insurance premiums. Insurance providers see you as a high risk.

Driver Type Estimated Annual Premium (£)
Standard Driver £500 – £800
DR20 Convicted Driver £1,800 – £3,000

How a DR20 Impacts Your Car Insurance:

  • Insurance premiums go up due to more risk.
  • There are not many providers who want to offer coverage.
  • A specialist policy is usually required.
  • Fewer flexible payment options are available.

Many insurance companies will offer only third-party coverage. Some will provide third-party coverage that also includes fire and theft.

How a DR20 Conviction Affects Car Insurance

Finding the Right Policy After a DR20 Conviction

To get the best deal after a DR20, you should:

  • Choose a group of insurance providers approved by the Financial Conduct Authority.
  • Explore different types of cover that fit your personal circumstances.
  • Share your conviction details honestly, especially the date of conviction.
  • Make sure to use your correct registration number when searching online.

Using reliable comparison tools in your web browser can help you save time and money.

Best Types of Car Insurance for DR20 Convicted Drivers

Here are the main kinds of car insurance policies you can find:

  • Third Party: This helps pay for damage to other people's property. It does not cover your own car.
  • Third Party, Fire and Theft: This gives extra protection for your car. It covers fire damage and theft.
  • Fully Comprehensive: This protects your car and covers damage to other cars in an accident.
Level of Cover What It Covers
Third Party Others' vehicles and property
Third Party, Fire and Theft Others' vehicles, fire, and theft of your car
Fully Comprehensive Others' vehicles, your own car, theft, and fire

When choosing the best insurance policy, you need to consider your budget. You also have to think about how much risk you can manage.

Fact: Sometimes, a full comprehensive cover can be cheaper than third party insurance for drivers with convictions. This happens because insurance companies consider them to be a lower risk for claims.

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How to Reduce DR20 Insurance Costs

Here are some tips to lower the cost of your convicted driver insurance:

  • Finish a drink driving rehab course that the government approves.
  • Choose a car with a lower insurance group rating.
  • If possible, lower your yearly mileage.
  • Increase your voluntary excess amount.
  • Pay your insurance once a year instead of monthly.
  • Install a black box device to monitor safe driving.

These steps can help you get the best price from a range of providers.

Declaring a DR20 Conviction to Insurance Companies

Declaring a DR20 Conviction to Insurance Companies

You need to inform insurance companies if you have a DR20 conviction.

  • How Long to Declare: You have 5 years after the conviction.
  • Licence Endorsement Duration: It lasts for 11 years.
  • Failure to Disclose: This could cancel your policy.

Fact: It is important to read your car insurance policies carefully. Make sure to check how long you must declare any motoring convictions.

How Long Does a DR20 Affect Insurance Costs?

Conviction Type Licence Endorsement Duration Time Insurance Costs Are Affected Chance of Getting Affordable Insurance
DR20 11 years 5 years Moderate after 5 years
DR10 11 years 5 years Moderate after 5 years
DR40 4 years 5 years Easier after 5 years
DR70 4 years 5 years Easier after 5 years

Insurance costs often remain high for five years after you share your conviction.

FAQs About DR20 Drink Driver Car Insurance

Yes, you will need convicted driver insurance from insurance providers that take on high-risk drivers.

A DR20 stays on your licence for 11 years. However, you have to mention it for 5 years when you apply for car insurance.

Yes, drivers with motoring convictions, such as a DR20, usually have to pay higher insurance premiums.

Having complete coverage can sometimes offer you a better deal than using a third party. It really depends on your personal circumstances.

Many specialist policy providers and a group of FCA-approved insurers offer options for drivers who have been convicted.

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Page last updated on: 15/04/2025

Page reviewed by: Shay Ramani

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