Why Compare DG60 Car Insurance?
DG60 Is the Most Serious Code in the Drug Driving Family
Causing death by careless driving while over the drug limit carries up to life imprisonment. Very few insurers will touch a DG60 conviction. Clean Green Cars introduces you to specialist brokers who work with the small number of providers that accept this endorsement.
Your Options Are Extremely Limited Without a Specialist
Standard comparison sites and mainstream insurers almost always decline a DG60. Clean Green Cars puts you in touch with brokers who handle the most serious motoring convictions and know which panels may offer cover.
Your Loading Could Reduce Over Time
A DG60 stays on your licence for 11 years. As your conviction ages and you rebuild your driving record, your premium loading could reduce. Comparing quotes at every renewal through Clean Green Cars connects you with brokers who track that reduction.
DG60 Car Insurance At A Glance
- DG60 means causing death by careless driving while a specified drug was above the legal limit in your blood.
- The conviction carries 3 to 11 penalty points, a minimum 2-year ban, and up to life imprisonment.
- This is one of the most serious motoring conviction codes in the UK.
- Your DG60 endorsement stays on your licence for 11 years from the date of conviction.
- Click the green button above to compare DG60 quotes from specialist brokers.
What Is a DG60 Conviction?
DG60 is the DVLA endorsement code for causing death by careless driving while a specified controlled drug is above the legal limit in your blood. It is the most serious conviction code in the drug driving family in the UK. The offence combines two elements: careless driving and drug impairment.
The offence falls under the Road Traffic Act 1988, as amended by the Crime and Courts Act 2013. Unlike DG10, which only requires proof that you were over the drug limit, DG60 also requires proof that your driving was careless and that it caused someone’s death.
The penalties reflect the severity. Courts can impose up to life imprisonment, compared to 6 months for DG10. A minimum 2-year driving ban applies, often extended to several years. The endorsement stays on your licence for 11 years from the date of conviction.
| Penalty | Details |
|---|---|
| Points | 3 to 11 |
| Minimum Ban | 2 years (often much longer) (often much longer) |
| Maximum Fine | Unlimited |
| Maximum Prison | 14 years |
| On Your Licence | 11 years from date of conviction |
| Rehabilitation Period | Depends on sentence length under the Rehabilitation of Offenders Act 1974 (some very serious sentences can take many years to become spent or may never become spent) |
Illegal Drugs – Specified Limits
The following limits apply to illegal substances. They are set at very low levels, effectively operating as zero tolerance (as at March 2015).
| Drug | Blood Limit |
|---|---|
| Amphetamine | 250 micrograms per litre of blood |
| Benzoylecgonine (cocaine metabolite) | 50 micrograms per litre of blood |
| Cocaine | 10 micrograms per litre of blood |
| Delta-9-tetrahydrocannabinol (cannabis) | 2 micrograms per litre of blood |
| Ketamine | 20 micrograms per litre of blood |
| Lysergic acid diethylamide (LSD) | 1 microgram per litre of blood |
| Methylamphetamine | 10 micrograms per litre of blood |
| MDMA (ecstasy) | 10 micrograms per litre of blood |
| 6-monoacetylmorphine (heroin metabolite) | 5 micrograms per litre of blood |
Prescription Drugs – Specified Limits
Higher thresholds apply to these prescription medicines to allow for legitimate medical use. You may still face prosecution if your blood level exceeds the limit, even with a valid prescription (as at March 2015).
| Drug | Blood Limit |
|---|---|
| Clonazepam | 50 micrograms per litre of blood |
| Diazepam | 550 micrograms per litre of blood |
| Flunitrazepam | 300 micrograms per litre of blood |
| Lorazepam | 100 micrograms per litre of blood |
| Methadone | 500 micrograms per litre of blood |
| Morphine | 80 micrograms per litre of blood |
| Oxazepam | 300 micrograms per litre of blood |
| Temazepam | 1,000 micrograms per litre of blood |
DG60Can You Get Insurance With a DG60 Conviction?
It is very difficult, but not impossible. A DG60 is one of the hardest conviction codes to insure in the UK market. Most mainstream insurers and even some specialist providers will decline your application.
The small number of providers who may consider a DG60 typically require several years to have passed since the conviction and your ban to have ended. They may also require a telematics device, strict mileage limits, and comprehensive disclosure of all circumstances.
Specialist brokers are essential for a DG60. They maintain relationships with the few providers who consider the most serious convictions. Clean Green Cars introduces you to these brokers. They understand how to present your application and know which questions providers need answered before they will consider a quote.
If you need short-term cover while comparing annual policies, temporary car insurance for convicted drivers could provide flexible cover without long-term commitment.
Who Needs DG60 Car Insurance?
A DG60 makes insurance extremely difficult to find. Here is who typically needs to compare through specialist brokers.
Drivers Returning After a Long Ban
DG60 bans are often several years long. When your ban ends, the relief is mixed with anxiety about whether anyone will insure you at all. Specialist brokers handle the most serious convictions and know which providers are willing to consider your application.
Drivers Released From Prison
After serving a custodial sentence for a DG60, getting back on the road requires navigating a system that feels designed to keep you out. Specialist brokers understand the full timeline from conviction to licence restoration and could guide you through it.
Drivers With Multiple Serious Endorsements
A DG60 alongside other convictions makes insurance extremely difficult. Only specialist brokers with access to high-risk panels could help you find any cover at all.
Renewal Shoppers Years After Conviction
As years pass since your DG60, your loading could reduce. Each renewal is a chance to check whether new providers have entered the market or existing ones have changed their appetite for your application.
Drivers Who Need Their Car for Work
If getting back to work depends on driving, the urgency is real. A specialist broker could help you find cover as quickly as possible after your ban ends so you can start rebuilding.
Worth Knowing: A DG60 carries a weight that goes far beyond your driving licence. Getting insured is part of rebuilding, not another punishment. Clean Green Cars introduces you to brokers who handle the most serious convictions and could help you take that step.
What DG60 Car Insurance Covers
A DG60 endorsement does not change what your policy is designed to cover. It severely limits which providers will quote you and significantly increases what you pay.
Here is what each level of cover could include. Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Damage to your own vehicle | Yes | No | No |
| Fire and theft protection | Yes | Yes | No |
| Damage to other people's property | Yes | Yes | Yes |
| Injury to other people | Yes | Yes | Yes |
| Windscreen cover | Often included | Rarely | No |
| Courtesy car | Sometimes included | Rarely | No |
Cover Tip: With a DG60, your choice of providers may be very limited. Focus on finding a provider that will accept your application first, then compare cover levels. A specialist broker can help you understand what is available.
What DG60 Car Insurance May Not Cover
DG60 is treated as one of the highest-risk drug driving endorsements by insurers. Any missed disclosure could lead to a declined claim. Here is what your policy usually does not cover.
Standard Exclusions
- Undeclared Convictions - If you do not tell your insurer about your DG60, they could invalidate your policy and decline all claims.
- Driving While Impaired - If you cause an accident while under the influence of drugs or alcohol, your insurer could decline your claim.
- Driving During a Ban - If you drive before your disqualification period ends, any policy would be invalid and you would face further criminal charges.
- Undeclared Vehicle Use - If your policy covers social use but you are driving for business, your insurer may decline a claim.
Important Limitations
- Significantly Higher Excess - Your insurer may set a much higher compulsory excess after a DG60 than for less serious codes.
- Severe Named Driver Restrictions - Policies may restrict you from driving other vehicles or being named on other policies.
- Mandatory Telematics - Some of the few providers who accept DG60 may require a black box as a non-negotiable condition.
- Strict Mileage and Use Limitations - Policies may come with tight mileage caps and limited use categories.
Extras Worth Adding
Your standard policy is designed to cover the basics. With a DG60, your options for extras may be limited, but these could still be available.
May help cover roadside assistance if your car breaks down. Reliability matters when your insurance options are already limited, subject to policy limits and conditions.
May help cover legal costs if you need to dispute fault after an accident. With a DG60 on your record, protecting yourself legally could be particularly important, depending on your policy terms.
May help cover the cost of replacing your keys if they are lost or stolen, subject to policy limits and conditions.
May be needed once you have rebuilt some claims-free years. Availability may be very limited with a DG60, subject to insurer acceptance criteria.
May pay a set amount if you are hurt in a crash and cannot work, depending on your policy terms.
May be required as a condition of cover after a DG60. A black box tracks your driving and could help demonstrate safe habits over time, subject to policy limits and conditions.
What Affects the Cost of Car Insurance with a DG60 Conviction?
Your quote depends on the severity of your sentence, time since conviction, and whether you have any other endorsements. DG60 carries some of the highest loadings in the market. If your vehicle was seized, see impound release cover. The quotes you get will depend on your own details.
| Key Factor | Impact on Your Price |
|---|---|
| Your DG60 conviction | This is one of the most heavily loaded endorsement codes. Causing death while over the drug limit places you in the highest risk category for most insurers. |
| Length of prison sentence | A longer custodial sentence may signal greater severity to insurers. Sentences over 4 years may mean the conviction never becomes spent under the Rehabilitation of Offenders Act 1974. |
| Length of driving ban | Longer bans reduce your recent driving experience. A multi-year ban means you may need to rebuild your record from scratch. |
| Time since conviction | A DG60 from several years ago could carry a lower loading than one from last year. Your premium may reduce at each renewal. |
| Other endorsements on your licence | A DG60 combined with other motoring convictions makes insurance extremely difficult. Specialist brokers may be your only option. |
| Your vehicle (group, age, value) | A modest, low-group car could improve your chances of being accepted. High-performance vehicles may lead to automatic declines. |
| Annual mileage | Lower mileage means lower exposure to risk. Keeping your estimated mileage low could help. |
| Cover level | With a DG60, your choice may be limited to whatever the accepting provider offers. Compare what is available rather than what you ideally want. |
Price Insight: A DG60 stays on your licence for 11 years. Your loading could be very high initially but may reduce significantly as years pass and you rebuild your driving record. Comparing at every renewal is essential.
Ways to Cut Your Car Insurance Cost
A DG60 could result in some of the highest premiums in the convicted driver market. Here are practical steps that could help reduce what you pay.
Use a Specialist Broker
Standard comparison sites will not help with a DG60. Specialist brokers know the handful of providers who may accept your application. Compare quotes above to reach them.
Choose a Modest Vehicle
A low insurance group car with a smaller engine could improve your chances of acceptance and reduce your premium. After a DG60, insurers scrutinise every detail.
Accept Telematics If Offered
A black box may be a condition of cover. Accepting it willingly could open more doors than resisting it, and the data could help at renewal.
Compare at Every Renewal
Your loading could reduce each year. Do not auto-renew. Get fresh quotes to check whether new providers have entered the market or existing ones will now accept your application.
Keep Your Mileage Low
Lower annual mileage means lower risk. If you can keep your driving to essentials, make sure your estimate reflects that.
Build Your No Claims History
Each claim-free year could improve how insurers see your application. Rebuilding takes time but could make a real difference to your premium.
Be Completely Transparent
Full disclosure of all circumstances gives your broker the best chance of finding a provider. Any undisclosed detail could lead to a declined application or an invalidated policy.
Saving Tip: After a DG60, premiums start very high but could reduce over time. Compare quotes above. Clean Green Cars introduces you to brokers who handle serious convictions and could help you find cover as your record improves.
How to Compare DG60 Car Insurance Quotes
Getting quotes after a DG60 takes just a few minutes. Here is how it works. Get started above when you are ready.
Enter Your Vehicle Details
Add your registration, make, model, and where you park overnight.
Add Your Personal Details
Enter your name, address, date of birth, and occupation.
Declare Your DG60
Select the DG60 conviction code, enter the conviction date, and confirm the length of your driving ban and any custodial sentence. Declare any other endorsements too.
Complete Your Driving Record
Choose your cover level, add your no claims discount if applicable, and confirm any previous claims.
Review Your Quotes
Specialist brokers review your application and contact you with any available quotes. Compare what is offered and discuss your options with the broker.
What Our Expert Says
A DG60 conviction is among the most devastating charges a driver can face. Causing someone's death while driving carelessly with a specified drug above the legal limit brings together grief, legal trauma, and an endorsement that stays with you for over a decade. If you are reading this, you are dealing with more than an insurance problem.
The maximum sentence is life imprisonment, a minimum 2-year driving ban, and 3 to 11 penalty points that stay on your licence for 11 years. Very few insurers will accept an application with a DG60, and those that do will charge a significant premium.
Specialist brokers are not just useful here. They are essential. They maintain relationships with the handful of insurers who consider DG60 applications and understand how to present your case in a way that gives you the best chance of being accepted.
Co-founder of Clean Green Cars
Common DG60 Car Insurance Questions
What Is a DG60 Conviction?
DG60 is the endorsement code for causing death by careless driving while a specified drug was above the legal limit. It is the most serious endorsement code in the drug driving family.
Can I Get Car Insurance With a DG60?
It is very difficult but not impossible. Very few insurers accept DG60 applications. Specialist brokers who handle the most serious convictions may be able to find you cover.
How Long Does a DG60 Stay on My Driving Licence?
A DG60 stays on your licence for 11 years from the conviction date. You must answer your insurer’s questions truthfully, which usually means declaring the conviction whenever they ask about motoring convictions during that period.
What Is the Maximum Sentence for a DG60?
Up to life imprisonment, an unlimited fine, a minimum 2-year ban, and 3 to 11 penalty points.
Does a DG60 Ever Become Spent?
It depends on your sentence. It depends on your sentence. Under the Rehabilitation of Offenders Act 1974, the time it takes for a DG60 conviction to become spent is set by the type and length of sentence, not the offence label. Shorter custodial sentences and community orders have fixed rehabilitation periods, while some very serious sentences can take many years to become spent or may never become spent at all. If you are unsure, check the latest official ROA guidance on GOV.UK or get legal advice.
What Is the Difference Between DG60 and DG10?
DG10 covers driving over the drug limit. DG60 covers causing death by careless driving while over the drug limit. DG60 is far more serious.
How Much Does DG60 Car Insurance Cost?
DG60 premiums are among the highest in the convicted driver market. The exact cost depends on time since conviction, ban length, and other factors on your record.
Do I Need a Telematics Box With a DG60?
Many of the few providers who accept DG60 require telematics as a condition of cover. It tracks your driving and could help demonstrate safe habits over time.
Can I Drive for Work With a DG60?
Once your ban has ended, you can legally drive. Your employer and their insurer may need to know about the conviction.
What Happens After I Submit My Details?
Clean Green Cars is an FCA-regulated introducer. Your details go to specialist brokers who handle the most serious motoring convictions. They contact you with quotes and there is no obligation to buy.
Related Drug Driving Conviction Codes
DG60 is the most serious endorsement code in the drug driving family. Visit the drug driving insurance hub for the full list of DG and DR codes. For a less serious code, see DG40 car insurance (in charge of a vehicle).
Search & compare quotes from UK DG60 Car Insurance Providers
Useful Resources
- GOV.UK - Drug Driving Law - The legal limits for prescribed and illegal drugs when driving in England and Wales.
- GOV.UK - Penalty Points - Find out when your points expire and how the totting-up system works.
- DVLA - Check Your Licence - View your current points and convictions online.
- GOV.UK - Drink and Drug Driving Penalties - How courts decide your sentence for drug driving offences.
