What Happens If You Get A DG10 During Your Current Car Insurance Policy?
If you receive a DG10 while your car insurance policy is active, check the policy wording and the insurer's instructions. Some policies may require you to tell the insurer straight away. Others may focus on renewal.
For general guidance on how long to declare a DG10 and what details insurers may ask for, see the separate guide on telling your insurer about a DG10 conviction.
If you need to compare cover after the conviction, the insurance after a DG10 conviction page explains the route. For wider conviction support, the convicted driver insurance hub links to other code and offence pages.
Do not assume that saying nothing is acceptable under your policy. If the wording is unclear, ask the insurer what they need from you.
Can My Insurer Cancel My Policy After A DG10 Conviction?
An insurer may review the policy if your risk changes or if the conviction affects the information used to set cover. What happens next depends on the policy terms and the insurer's underwriting rules.
Possible outcomes could include no immediate change, a revised price, changed terms, cancellation notice, or a decision not to renew.
Susan's note: Keep a record of what you asked, who you spoke to and what they said. If the insurer gives instructions, follow them carefully.
What If Your DG10 Conviction Includes A Driving Ban?
If you are disqualified, you cannot drive during the ban. Insurance does not override a court ban or licence position.
The car may still need a plan. Depending on how and where it is kept, it may need valid insurance or a SORN declaration in line with DVLA requirements.
It could be kept insured while off road, sold, or used only by another properly insured and legally entitled driver.
Do not let someone else drive unless the policy clearly covers them and the insurer knows the correct situation.
What Happens At Renewal After A DG10 Conviction?
Renewal is often where the DG10 becomes unavoidable. Insurers may ask about motoring convictions, bans and points in a set period.
If your current insurer does not offer renewal, compare specialist convicted-driver routes before the renewal date so there is no cover gap.
What To Check Before Calling The Insurer
- Your policy wording on changes during the policy
- The conviction code and date
- The ban length
- Whether the car is still being used
- Who else is named on the policy
- The renewal date
Getting these details ready can make the conversation clearer and reduce the risk of giving inconsistent information.
If your insurer changes terms, cancels the policy, or declines renewal, compare alternatives before driving again.
FAQs
Do I Need To Tell My Insurer About A DG10 Straight Away?
Check your policy wording. If it requires mid-policy disclosure, tell the insurer as instructed.
Can I Keep The Car Insured While Banned?
You may be able to keep cover for the vehicle, but you cannot drive while disqualified.
Will My Policy Be Cancelled After A DG10?
It depends on the insurer and policy terms. Some may review, change, cancel or decline renewal.
Can I Wait Until Renewal To Tell My Insurer About A DG10?
Only if that matches the policy wording. If in doubt, ask the insurer directly.
