Compare DG10 Car Insurance – Cover for Drug Driving Offences

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Convictions Car Insurance Comparison

  • Find car insurance made for drivers with DG10 convictions.
  • Search for affordable insurance cover after a drug driving offence.
  • Compare insurance quotes to find the best possible price.

What is a DG10 Conviction?

A DG10 conviction takes place when a driver is found with illegal drugs in their system at high levels. This is a criminal offence in the UK. It can result in penalty points, a driving ban, and higher insurance premiums.

Drivers who receive a DG10 offence are seen as a higher risk by insurance companies. This can make it harder to find affordable car insurance.

DG10 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
DG10 Driving with drug levels above the legal limit 3 - 11 points 11 years

Fact: A DG10 endorsement stays on a driving record for 11 years. However, when insurers offer insurance policies, they typically want you to disclose it for 5 years.

How a DG10 Conviction Affects Car Insurance

A DG10 conviction can significantly impact your car insurance rates. Insurers consider drivers with criminal convictions to be a higher risk. Because of this, you may have fewer options for insurance. This also results in you having to pay higher insurance premiums.

Estimated DG10 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
DG10 Conviction £100 - £250 £1,200 - £3,000

Fact: Some insurers may only provide third-party cover for drivers who have a DG10 endorsement. This can limit the levels of cover that you can get.

Why a DG10 Conviction Raises Insurance Costs

  • Higher risk – Drug driving raises the chance of accidents. This leads to more costs for claims.
  • Fewer insurer options – A lot of insurance companies will not cover drivers with a DG10 conviction.
  • Limited payment plans – Some providers do not provide flexible payment options, like paying monthly.
  • More restrictions – Some insurers may require black box insurance to monitor driver behaviour.
  • Legal consequences – A criminal record can make it tougher to find affordable car insurance.
Why a DG10 Conviction Raises Insurance Costs

Legal Consequences of a DG10 Conviction

A DG10 offence can lead to serious penalties. This can impact your driving licence and the insurance quotes you receive in the future.

  • Penalty points – Drivers can get 3 to 11 points. The amount you receive depends on how serious the offence is.
  • Driving ban – A court can give a driving ban of at least 12 months. If you repeat this several times, the ban can increase to 3 years.
  • Fine and prosecution – You might have to pay a fine without a set limit. In serious cases, jail time is also an option.
  • Criminal record – A DG10 conviction will remain on your driving record for 11 years.

Fact: The Rehabilitation of Offenders Act says you must inform insurers about a DG10 conviction for five years. This rule applies even though it stays on your licence for 11 years.

DG10 Conviction vs Other Motoring Offences

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

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How Long a DG10 Conviction Affects Insurance Costs

Conviction Type Licence Duration Time Insurance Costs Are Affected Chance of Finding Affordable Insurance
DG10 11 years 5 years Limited but possible with specialists
DR80 11 years 5 years Requires convicted driver insurance
DG30 11 years 5 years Requires specialist insurers
DR90 4 years 5 years Easier than other drug convictions

How to Reduce DG10 Car Insurance Costs

To lower your car insurance costs after a DG10 conviction, you need to follow some careful steps. You must prove to insurers that you drive more safely now. This will help you get cheaper convicted driver insurance and reduce the money you spend in the long run.

How to Reduce DG10 Car Insurance Costs

Steps to Lower DG10 Insurance Premiums

  • Check out different insurers that offer convicted driver insurance to find the best options.
  • Consider black box insurance. It can show that you drive safely.
  • Increase your voluntary excess. This could help lower your monthly payments.
  • Choose a car from a lower insurance group. This can help you avoid high-risk costs.
  • Take an advanced driving course. It can show that your driving skills are improved.
  • Maintain a clean driving record. This may help cut down on future insurance quotes.

FAQs About DG10 Car Insurance

Yes, many insurers think it is a risky offence. They may only give coverage through special companies that provide convicted driver insurance.

A DG10 conviction remains on your licence for 11 years. But most insurers only ask you to mention it for five years when they decide your premiums.

Third-party insurance is usually the cheapest choice. But, some insurers offer better deals for full coverage.

Countries such as the USA and Canada may require a visa if you have a DG10 conviction. This is due to the fact that it is seen as a criminal offence.

A DG10 endorsement remains on your driving record for 11 years. It cannot be removed before that time.

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Page last updated on: 07/04/2025

Page reviewed by: Shay Ramani

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