Compare DR40 Car Insurance – Cover for Convicted Drivers

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Convictions Car Insurance Comparison

  • You can get affordable car insurance after a DR40 offence.
  • Compare insurance quotes from specialists to find the best deal.
  • Find flexible options for convicted drivers today.

What is a DR40 Conviction?

A DR40 conviction happens when a driver is in charge of a vehicle and has more alcohol in their system than the law allows.

This is different from drunk driving. You can get a DR40 charge even if you are not driving. This can happen if you are still in control of a vehicle and are over the limit.

Penalty for DR40:

Conviction Code Offence Penalty Points Licence Endorsement Duration
DR40 In charge of a vehicle while alcohol level above limit 10 4 years

Fact: A DR40 endorsement remains on your driving licence for 4 years starting from the date of conviction.

Legal Consequences of a DR40 Conviction

Being found guilty of a DR40 offence brings severe penalties.

  • Driving Ban: It could happen, but it's not certain.
  • Fine: You may have to pay as much as £2,500.
  • Penalty Points: 10 points will be added to your licence.
  • Criminal Record: This might impact your job and travel.
Penalty Details
Driving Ban Possible, depending on case
Fine Up to £2,500
Prison Sentence Possible (for serious cases)
Endorsement Duration 4 years

If your alcohol level was high or if there were other issues, you could face a driving ban or even prison time.

How a DR40 Conviction Affects Car Insurance

A DR40 conviction raises insurance premiums. Insurance companies view you as a higher risk.

Driver Type Estimated Annual Premium (£)
Standard Driver £500 – £800
DR40 Convicted Driver £1,600 – £2,700

Key Changes After a DR40 Conviction:

  • Driver insurance costs are higher with increased insurance premiums.
  • There are fewer choices for insurance providers.
  • Many people prefer third party or private car insurance policies.
  • Monthly payments are less common, and full payment is often required.

Getting a car insurance quote from expert providers can help you find the best price based on your personal circumstances.

How a DR40 Conviction Affects Car Insurance

Finding the Right Policy After a DR40 Conviction

Finding affordable insurance after a DR40 means:

  • Look for specialist insurance providers.
  • Compare insurance quotes carefully.
  • Be honest about your driving record and the date of the offence.
  • Give correct information about the number of points on your licence.

Always look at the level of cover provided. This is very important, especially for third party or theft protection.

Best Types of Car Insurance for DR40 Convicted Drivers

Here are the main options after a DR40 conviction:

  • Third Party: This type of insurance pays for damages to other people's vehicles and property.
  • Third Party, Fire and Theft: This adds protection for fire damage and theft.
  • Fully Comprehensive: This covers your car and others’ cars if there is an accident.
Level of Cover What It Covers
Third Party Others' vehicles and property
Third Party, Fire and Theft Others' vehicles, theft, and fire
Fully Comprehensive Own vehicle, theft, fire, third party

Fact: A full insurance policy can sometimes cost less than third-party coverage for drink drivers.

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How to Reduce DR40 Insurance Costs

Here are some ways to reduce your convicted driver insurance premium:

  • Finish a driving rehab course
  • Set up a black box insurance device
  • Cut down your yearly mileage
  • Pay for the whole year to skip higher monthly fees
  • Drive a car with a lower insurance group

Insurers give better deals to drivers who act in a low-risk way after they have had a conviction.

Declaring a DR40 Conviction to Insurers

Declaring a DR40 Conviction to Insurers

You need to tell your insurer about your DR40 conviction.

  • Declare for: 5 years from the date of conviction
  • Licence Endorsement Duration: 4 years
  • Failure to Declare: May make your insurance policy invalid

Fact: If you declare your driving conviction correctly, you can stay legally insured. This helps you avoid bigger problems in the future.

How Long Does a DR40 Affect Insurance Costs?

Conviction Type Licence Endorsement Duration Time Insurance Costs Are Affected Chance of Getting Affordable Insurance
DR40 4 years 5 years Easier after 5 years
DR30 11 years 5 years Moderate after 5 years
DR20 11 years 5 years Moderate after 5 years
DR10 11 years 5 years Moderate after 5 years

After five years of safe driving, you can usually get cheaper car insurance rates.

FAQs About DR40 Drink Driver Car Insurance

Yes, but you will need convicted driver insurance from specialist insurance providers.

It will remain on your driver’s licence for 4 years starting from the date of conviction.

A driving ban is not guaranteed. It depends on the situation and the alcohol level at that time.

Insurance premiums go up because insurers see a higher risk.

Yes, black box insurance can show safe driving habits. It can also help reduce future premiums.

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Page last updated on: 21/04/2025

Page reviewed by: Shay Ramani

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