Drug Driving Car Insurance (DG10, DG30, DR80, DR90) image

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Lets get you back on the road after your drug driving conviction!

With an unspent drug driving conviction drivers can expect to pay more but finding cover isn’t impossible. The panel of specialist drug driving insurance providers can help you with a tailored quote.

  • Fair prices based on your drug driving conviction and circumstances
  • Insurance cover for DG10, DG30, DR80, CD50, DR90, MR29 convictions
  • All levels of, including – Third party, Third Party Fire & Theft and Comprehensive
  • UK and Europe Cover
  • Numerous Flexible payment options
  • Instant insurance documents

Drug Driving Car Insurance – a quick start guide

If you have a drug driving conviction (DG10, DG30, DR80, CD50, DR90, MR29) that is unspent, then you should expect your car insurance premiums to be higher. However, it isn’t impossible to find the cover you need. A DG10 insurance quote that is tailored to you can be found via the penal of specialist drug driving insurance providers. They will be able to look at fair prices based on your circumstances and convictions, this includes all levels of cover, European cover as well as UK cover. They will also be able to look at flexible payment options, and you will get your documentation instantly.

Everything you need to know about drug driving and insurance

[box type=”info”] Drug driving insurance quick tips

  1. Declare any unspent convictions
  2. Depending on the drug in question the drug driving limits will vary
  3. You should expect to pay more for your insurance if you have a drug driving conviction
  4. Some insurance companies may be willing to offer a reduced premium after discussing the details of your case.
  5. Quotes from specialist insurance providers can help you to save money if you have a drug driving conviction
[/info_box] In the UK, driving a motor vehicle when you are not in a fit state to do so because of drugs, both legal and illegal ones, is an offence.  As a driver, it is your responsibility to ensure that you are not over the legal limit for drugs and that if you are on prescription drugs you are allowed to drive while taking them – ignorance is not an excuse. While it is more common to hear about drink driving in the press, the penalty for drug driving is also heavy. If you have a conviction for drug driving, then you will be considered higher risk by insurance providers and will require specialist drug driving insurance cover that takes your conviction into account. The laws were updated on 2nd March 2015, and the roadside drug testing kit was introduced. These new updates to the law saw a staggering rise of 140% in the rate of drivers who were charged nationally. The statistics are startling, drug drivers are around 30 times more likely to be involved in a serious accident, and around 200 deaths per annum are caused by drug driving.

Drug Driving Motoring Conviction Codes

Convicted driver car insurance cover is available for the several different types of drug driving convictions, with the following endorsement codes:

DR80, DG10, DG30 & CD50  will stay on your licence for 11 years from the date of the offence
DR80 Driving or attempting to drive when unfit through drugs 3-11
DG10 Driving or attempting to drive with drug level above the specified limit 3-11
DG30 Causing death by careless driving with drug level above the limit 3-11
CD50 CD50 Causing death by dangerous driving when unfit through drugs 3-11 3-11
DR90 & MR29 will stay on your licence for 4 years from the date of the offence
DR90 In charge of a vehicle when unfit through drugs 10
 MR29 Driving a vehicle while under the influence of alcohol or other substance affecting or diminishing the mental and physical abilities of a drive N/A
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Drug Driving Penalties – A quick guide 

In addition to points on your licence, the following penalties are in place from drug driving.

  • 1-year driving ban (minimum)
  • Up to £5000 in fines
  • A criminal record
  • In the event that a death is caused by your driving a prison sentence

Drug driving convictions with illegal drugs

Back in 2012, a new approach to drug driving was introduced. This ‘zero tolerance’ approach means that any claim of ‘accidental exposure’ to an illicit drug could be ruled out with the set limit based on scientific research and evidence. Most convictions in regards to drugs are from taking illegal substances rather than prescribed ones found above the limits in this table:

UK Driving with Illegal Drugs Limits
Amphetamine 250µg/L
Benzoylecgonine 50µg/L
Cocaine 10µg/L
Delta-9-tetrahydrocannabinol (cannabis) 2µg/L
Ketamine 20µg/L
Lysergic acid diethylamide 1µg/L
Methylamphetamine 10µg/L
Methylenedioxymethamphetamine (MDMA) 10µg/L
6-monoacetylmorphine (heroin) 5µg/L

* Threshold limit (microgrammes per litre of blood (µg/L))

Drug driving convictions with prescription drugs

Drug-driving convictions often happen because people drive or attempt to drive after taking illegal drugs, but you can receive the same conviction and a driving ban for driving under the influence of prescription drugs.

It is an offence to get behind the wheel if your ability to operate a vehicle safely is impaired due to any kind of drug. There are certain drugs that may cause an issue when driving, so be sure to check with your doctor before you get behind the wheel if you’re taking any of these drugs:

UK Driving with Prescription Drugs Limits
Clonazepam 50µg/L
Diazepam 550µg/L
Funitrazepam 300µg/L
Lorazepam 100µg/L
Methadone 500µg/L
Morphine 80µg/L
Oxazepam 300µg/L
Temazepam 1,000µg/L

* Threshold limit (microgrammes per litre of blood (µg/L))

You can still drive if you are prescribed these drugs and you are following the instructions from your doctor or alternatively the drugs are not affecting your ability to drive. The panel of insurance providers can certainly help if you have been convicted of driving over the limit on prescribed drugs – just enter your registration above to and hit the green button to get started.

More details can be found at https://www.gov.uk/government/collections/drug-driving#table-of-drugs-and-limits and https://www.gov.uk/drug-driving-law

Get car insurance quotes with a drug driving conviction now

If you have any of the above convictions and want to get car insurance quotes then simply click the green button below. After providing the required information, you’ll be sent your tailored quotes from the panel of convicted drivers insurance specialists.  All you have to do is pick the one that’s right for you.

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Drug Driving Car Insurance (DG10, DG30, DR80, DR90) FAQs

What type of cover can I get under a drug driving car insurance policy?

This will depend on the insurance provider; some will offer a fully comprehensive policy with fire and theft cover while others will only offer a third party only basic policy. You can also get cover for a van rather than a car.

What is the cost of car insurance after a drug driving (DG10) conviction?

What is the cost of drug driving car insurance?

When it comes to any type of driving insurance policy there are a number of factors that will have an impact on the cost and the same is true with drug driving car insurance. Things that affect your policy are:
  • Age
  • Driving experience
  • How serious the drug driving conviction
  • The value and size of your car
  • Where the car is parked

How long do I have to declare DG10 conviction to insurers?

From the date of conviction, drug driving convictions need to be declared to insurers for 5 years. With a drug driving criminal conviction, drivers may struggle to find affordable insurance cover after serving their ban. That where we can help.

How can I save money on my drug driving car insurance?

If you are looking to save money on your drug driving insurance, then there are a couple of things you can consider:
  • Limit cover option – choose the level of cover that you want carefully, the more cover you choose, the more it will cost. Third party only is the cheapest option.
  • Secure your car – make sure your vehicle is secured when you are not there, and if it doesn’t have an alarm, consider getting one. A steering wheel lock can also be a good idea.
  • Pay annually – paying your insurance up front in one go rather than monthly will work out cheaper.
  • Add a dash cam – Some insurance providers offer discounts for drivers with dash cams so it might be worth investing.
  • Shop around – Get quotes from lots of different insurance providers to see who can offer you the best deal on your drug driver car insurance.

Must I declare warnings and cautions when taking out drug driving car insurance?

If you have received a verbal warning from the police, then no you do not have to declare these. You must, however, declare criminal convictions.

Can I add others to my drug driving (DG10, DG30, DR80, CD50, DR90, MR29) car insurance policy?

While it is possible to add other people to your policy it will not lower your premiums as the convictions of drivers on the policy are what the insurance company take into consideration.

Can I still get drug driving car insurance if I have been disqualified?

If you have re-obtained your licence following a driving ban, you will be able to get insurance. The length of your disqualification will depend on the conviction you receive, 12 points on your licence in a 3-year period will usually earn you a 6-month ban. If you are banned for 56 days or more, you will need to reapply for your licence before you can drive again.

Does a DG10 conviction result in a criminal record?

Convictions for DG10 offences will result in a criminal record – even if this does not mean prison time.