Compare DG30 Car Insurance – Cover for Drug Driving Offences

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Convictions Car Insurance Comparison

  • Special car insurance for drivers with a DG30 conviction
  • Compare choices from FCA-regulated insurance companies
  • Find affordable car insurance even with a DG30 conviction

What is a DG30 Conviction?

A DG30 conviction happens when a driver causes death by driving badly while they are under the influence of drugs. This is a serious crime on the road in the UK. It has tough legal and financial penalties.

Drivers guilty of a DG30 offence will face serious consequences. They will have to deal with a mandatory driving ban and may even get a prison sentence. A DG30 conviction can lead to much higher car insurance premiums. This type of conviction is a criminal offence. It can impact job opportunities, restrict travel, and harm chances for future financial applications.

A DG30 is a serious driving offence and is worse than minor ones. It stays on your driving licence for 11 years. This can affect your insurance premiums. Because it is serious, most regular insurance companies will not insure DG30 drivers. You will need to look for specialist convicted driver insurance instead.

DG30 Conviction Breakdown

Conviction Code Offence Penalty Points Licence Endorsement Duration
DG30 Causing death by careless driving under drug influence 3 - 11 points 11 years

Fact: A DG30 endorsement will stay on your driving record for 11 years. However, insurance companies usually consider this information for five years to figure out your insurance premiums.

How a DG30 Conviction Affects Car Insurance

A DG30 conviction can raise your car insurance costs a lot. Insurance companies see DG30 drivers as high-risk. As a result, there are fewer companies that offer insurance coverage for them.

Why DG30 Car Insurance is More Expensive

  • Risk of future problems – Drivers with serious offences, like DG30, often face issues again.
  • More claims expected – Insurance companies think drivers with convictions will file costly claims. This causes overall costs to increase.
  • Fewer insurance options – Many major insurance companies do not cover DG30 convictions. This leads to fewer choices and higher premiums.
  • Stricter policy conditions – Some insurance providers only give black box insurance. They might require a higher voluntary excess or limit coverage to just third-party.
How a DG30 Conviction Affects Car Insurance

Estimated DG30 Insurance Premium Increases

Driver Type Estimated Monthly Premium (£) Estimated Annual Premium (£)
Standard Driver £40 - £90 £480 - £1,080
DG30 Conviction £120 - £300 £1,440 - £3,600

Fact: A lot of insurance companies ask drivers with a DG30 conviction to get a black box insurance policy. This policy keeps track of how they drive.

Why a DG30 Conviction Raises Insurance Costs

  • Higher risk – Insurance companies see DG30 drivers as very risky. This is because of the crime linked to these drivers.
  • Fewer insurer options – Many insurance companies do not cover drivers with a DG30 conviction. This means that drivers need to find specialist insurance providers.
  • Limited payment options – Some insurance companies may require full payment for the year. They feel this is safer than letting drivers pay monthly.
  • Black box requirements – A lot of providers only offer telematics insurance to DG30 drivers. This means they will watch how these drivers behave on the road.
  • Legal consequences – A DG30 conviction can lead to higher insurance costs. Insurance companies think about how serious the offence is when setting prices.

Legal Consequences of a DG30 Conviction

A DG30 conviction carries some of the harshest penalties for driving offenses in the UK. Courts treat these cases with high seriousness. This is because they can lead to dangerous consequences.

Penalties for a DG30 Conviction

  • Driving ban – You must have a minimum driving ban of 2 years. It could be longer if the situation is more serious.
  • Prison sentence – Drivers found guilty can get up to 14 years in prison. This is especially true if several people have died.
  • Fine and prosecution – The court can give very high fines. Drivers may have serious legal and financial issues for a long time.
  • Criminal record – A DG30 conviction counts as a criminal offence. It stays on your record for life, and this can affect jobs and travel.
  • Licence endorsement – This conviction can add between 3 and 11 penalty points to your licence. This may cause much higher insurance costs for at least five years.

Fact: The Rehabilitation of Offenders Act requires you to tell insurers about a DG30 conviction for five years. However, it will remain on your licence for 11 years.

DG30 Conviction vs Other Drug Driving Offences

Conviction Code Offence Penalty Points Time on Licence Premium Increase
DG30 Causing death by careless driving (drugs) 3 - 11 points 11 years 100% - 250%
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%
DR90 In charge of a vehicle while unfit (drugs) 10 points 4 years 40% - 120%

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How DG30 Convictions Affect Different Types of Car Insurance

Drivers with a DG30 conviction struggle to get car insurance. Most insurance companies provide limited coverage options for them. This is because a DG30 offense is seen as serious.

Third Party Insurance

  • You need a minimum amount of insurance to drive in the UK.
  • This insurance helps pay for damage to other cars and injuries to other people. But, it does not cover your own car.
  • Sometimes, this insurance can cost more than full coverage insurance. This happens because of the high risk from drug drivers.

Third Party, Fire & Theft Insurance

  • This provides the same safety as third-party insurance. It also keeps your vehicle safe from theft and fire damage.
  • A group of FCA-regulated insurers may offer this option for drivers with convictions.
  • It could be cheaper than comprehensive coverage, depending on the insurer.

Comprehensive Insurance

  • It helps to pay for repairs to your car, injury to people, and claims made by others.
  • Certain insurance companies offer lower rates for comprehensive policies than for third-party policies for DG30 drivers.

The Role of Prescription Drugs in DG30 Convictions

A DG30 conviction is not just for illegal drugs. It can also happen with prescription drugs. Taking too many prescription drugs or using them without a doctor's advice can lead to drug driving charges.

Common Prescription Drugs That Can Lead to a DG30 Conviction

Prescription Drug Legal Limit (µg/L in Blood) Medical Uses
Clonazepam 50 Treats epilepsy and anxiety
Diazepam 550 Used for muscle spasms and anxiety
Methadone 500 Helps with pain management
Morphine 80 Used for severe pain relief
Lorazepam 100 Treats anxiety disorders
  • Taking prescription drugs beyond the legal limit can lead to a DG30 endorsement.
  • Drivers must follow medical advice when using strong medication before driving.
  • Police can check for illegal drugs and prescription drugs during roadside stops.
How DG30 Convictions Affect Private Car Insurance

How DG30 Convictions Affect Private Car Insurance

A DG30 conviction can make it hard for car owners to get good rates on private car insurance. Some insurance companies might even refuse to cover drivers who have a DG30 record.

Why Private Car Insurance Is More Expensive for DG30 Drivers

  • High-risk classification – Insurers view drug drivers as a higher risk.
  • Reduced panel of insurance providers – Only a few specialists offer coverage.
  • More exclusions – Some insurers exclude certain vehicles from DG30 policies.

Ways to Reduce Private Car Insurance Costs After a DG30 Conviction

  • Choose a vehicle with less risk – Cars in low insurance groups are cheaper to insure.
  • Raise your voluntary excess – A higher excess can lower your monthly payments.
  • Use an insurance comparison service – Look at different policies to find the best price.
  • Get a steering wheel lock – Adding security can help reduce your insurance costs.

The Impact of a DG30 Conviction on Future Car Ownership

Drivers who have a DG30 conviction might find it hard to buy or insure a car. A lot of car dealerships and leasing companies check driving records before they agree to a sale.

Car Finance & Leasing Restrictions

  • Some lenders will not accept applications from drivers with convictions.
  • Drivers seen as high-risk usually face higher interest rates.
  • Because of this extra risk, larger deposits are needed for financing.

Alternatives for DG30 Drivers

  • Pay for your car fully. This helps you skip finance checks.
  • Think about temporary coverage. Some insurance companies provide short-term car insurance for DG30 drivers.

What Happens if You Are Caught Drug Driving Twice?

A second DG30 conviction results in tougher penalties and higher insurance costs.

Consequences of Repeat DG30 Convictions

Offence First Conviction Second Conviction
Fine Up to £5,000 Unlimited fine
Driving Ban Minimum 2 years Minimum 3 years
Penalty Points 3 - 11 6 - 11
Prison Sentence Up to 14 years Longer sentences possible

How It Affects Insurance

  • Not many insurance companies will offer coverage.
  • Insurance premiums will be much more for first-time offenders.
  • A higher excess amount will be needed for insurance coverage.

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How to Reduce DG30 Car Insurance Costs

Drivers who have a DG30 conviction might find it hard to get affordable car insurance. However, there are several key steps they can follow to reduce their insurance costs.

Steps to Lower DG30 Insurance Premiums

  • Compare insurance companies for convicted drivers. Specialist insurers often give better rates for high-risk drivers.
  • Consider black box insurance. A telematics policy can show that you drive safely and may lower your premiums.
  • Increase your voluntary excess. A higher excess can lower your monthly payments, but make sure you can afford it.
  • Choose a car in a lower insurance group. Cars that cost less to repair usually have better insurance rates.
  • Take an advanced driving course. Some insurers offer discounts for drivers who improve their skills.
  • Keep a clean driving record. Staying out of trouble can help reduce your future insurance costs.

How Long a DG30 Conviction Affects Insurance Costs

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

FAQs About DG30 Car Insurance

Many insurance companies see it as a risky crime. Specialist insurance providers are a good choice for getting coverage.

A DG30 conviction will stay on your license for 11 years. However, most insurance companies only ask you to report it for five years.

Third-party insurance usually costs less. However, some insurance companies may have better prices for full coverage.

Yes, countries like the USA and Canada can refuse to let you in if you don't have a visa. This can happen because drug driving is seen as a criminal offence.

A DG30 endorsement will stay on your driving record for 11 years. You cannot take it off before that time.

Yes, after five years, insurance companies might not factor in the conviction when setting premiums. But, it will still be on your license for 11 years.

A DG30 conviction will affect your driving licence but will not change your registration number. However, insurance companies will still review your driving record.

Yes, temporary car insurance for drivers with convictions typically costs more. It often comes from special insurance companies.

All UK insurers need to follow rules set by the Financial Conduct Authority (FCA). This includes companies that provide insurance cover for DG30.

An insurance comparison service can help you look at various policies. This way, you can find the best coverage that fits your needs.

No, the kind of conviction is important. DG30 convictions lead to higher insurance premiums compared to less serious driving offences, like SP30 for speeding.

Third-party fire and theft insurance may cost less than comprehensive coverage. However, many insurance companies only provide comprehensive plans for DG30 drivers.

Yes, paying once a year can help you save money. Some insurance companies charge you more if you choose to pay monthly. They see monthly payments as a higher risk.

A steering wheel lock is a smart choice to keep your car safe. It helps lower the chances of theft. This could also mean you pay less for insurance.

Yes, some panel of insurance providers may decide not to renew policies for drivers who are considered high-risk. This means you need to find an insurer that specialises in this type of coverage.

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Page last updated on: 07/04/2025

Page reviewed by: Shay Ramani

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