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5 Ridiculous Excuses For Drink Driving
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DG10Insurance
DG10 Insurance
Convicted of driving with a drug level above the legal limit? We find specialist insurers who will quote, with cover ready for the day your ban ends.
Convicted of driving with a drug level above the legal limit? We find specialist insurers who will quote, with cover ready for the day your ban ends.
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What is a DG10 conviction?
DG10 is the DVLA endorsement code for driving, or attempting to drive, with a drug level above the specified limit. The limits cover illegal drugs and some prescription medicines, and the offence is measured by a roadside test and a blood test rather than judged on how you were driving. A DG10 means an obligatory ban of at least 12 months, and it stays on your licence for 11 years.
“Some prescription medicines have specified limits too, so tell us about any medication you take when you ask for a quote.”
The right cover depends on:
How long ago your DG10 was recordedYour driving history before the convictionWhether you’re still disqualifiedHow you use your vehicleThe length of your banWhether prescription medication was involved
Is DG10 the right code, or something else?
Is DG10 the right code, or something else?
DG10 is one of four drug driving codes, so make sure you’ve got the right one.
DG10 is one of four drug driving codes, so make sure you’ve got the right one.
DG40
In charge of a vehicle, but not driving, with a drug level above the specified limit.
DR80
Driving while unfit through drugs, judged on impairment rather than a measured limit.
DR10 or DR20
If alcohol was involved rather than drugs.
IN10
If you were also convicted of driving uninsured.
TT99
If your points totalled 12 or more, resulting in totting-up.
Banned Driver
If your conviction resulted in disqualification.
What could go wrong and what covers it?
What could go wrong and what covers it?
The situations drivers with a DG10 conviction worry about most are being refused cover, finding an insurer for the day the ban ends, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
The situations drivers with a DG10 conviction worry about most are being refused cover, finding an insurer for the day the ban ends, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
Is DG10 insurance right for you?
This type of cover may be suitable at any stage after a DG10 conviction.
This cover may be suitable for:
Recently Convicted DriversYoung or New Drivers with a DG10Drivers Completing a BanDrivers Prescribed Controlled MedicationDrivers Returning After a BanOlder DG10s Still on LicenceReal-world scenarios. Real-world cover
Real-world scenarios. Real-world cover
These are the everyday situations we see for drivers with a DG10 conviction, and the cover that responds in each case.
These are the everyday situations we see for drivers with a DG10 conviction, and the cover that responds in each case.
Non-disclosure
You don’t tell a new insurer about your DG10.
What typically happens
Policy can be voided entirely
Prescription medication disputes
You’re prescribed medication that led to a positive test.
What you should do
Being prescribed isn’t automatically a defence
Renewal after conviction
Your policy is due for renewal after your DG10.
What typically happens
A specialist insurer may be needed
Accident while over the limit
You cause an accident while over the drug driving limit.
What typically happens
Third party paid, cost reclaimed from you
What affects the cost of DG10 insurance?
Insurers look at the length of your ban, how long ago it ended, any other convictions on your licence, your age and the car you want to insure.
How long ago it happened
More recent convictions are generally viewed as higher risk than older ones.
Your driving history overall
A clean record before the conviction may help your case.
Length of your ban
Insurers will ask how long your ban was and when it ended.
Level of cover chosen
Insurers will ask whether you want third party, third party fire and theft or comprehensive cover.
Whether you’ve had other convictions
Multiple convictions can make cover harder to arrange.
How you use your vehicle
Personal or work-related driving can be assessed differently.
DG10 compared to related codes
DG10 compared to related codes
A quick reference, always confirm your exact code and points with the DVLA.
A quick reference, always confirm your exact code and points with the DVLA.
| Code | Offence | Typical penalty | Duration on licence |
|---|---|---|---|
DG10 | Driving with a drug level above the specified limit | 12 month ban minimum | 11 years |
DG40 | In charge with a drug level above the specified limit | 10 points, ban possible | 4 years |
DR80 | Driving while unfit through drugs | 12 month ban minimum | 11 years |
DR90 | In charge while unfit through drugs | 10 points, ban possible | 4 years |
DR10 | Drink driving above the limit | 12 month ban minimum | 11 years |
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for your business.
Simple steps. Expert advice. The right cover for your business.
1
Tell us about your DG10
When you were convicted of driving over the drug driving limit, and how long your ban is.
2
Tell us about you and your vehicle
Your age, driving history, and the vehicle you want to insure.
3
We find insurers who accept DG10
Drug driving convictions narrow the market sharply. We approach the specialists who still quote.
4
Insured when your ban ends
We arrange cover to start the day you’re legally back on the road.
UK-based specialist advisersAccess to 20+ specialist insurersNo obligation, just expert helpTrusted by thousands of drivers across the UK
Trusted by thousands of drivers across the UK
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
DG10 insights & guides
DG10 insights & guides
Practical advice on DG10 convictions, disclosure and getting back on the road.
Practical advice on DG10 convictions, disclosure and getting back on the road.
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about DG10 insurance and disclosure.
Find quick answers to common questions about DG10 insurance and disclosure.
DG10 is the DVLA endorsement code for driving, or attempting to drive, with a drug level above the specified limit. It carries an obligatory ban of at least 12 months and stays on your licence for 11 years from the date of conviction.
Still have questions?
Our advisers are here to help you find the right solution.
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