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5 Ridiculous Excuses For Drink Driving
Itโs summer, and that means lots of BBQs, beach parties and festivals. It also means that thousands of people will risk driving home when theyโve hadโฆ
Drink driving insurance is cover for drivers with a drink-driving conviction on their licence, such as DR10, DR20 or DR30. It works through specialist insurers who consider your specific circumstances rather than declining cover outright.
โA drink-driving conviction doesnโt mean you can never drive again but it does mean youโll usually need a specialist insurer.โ
The right cover depends on:

Find cover for your specific drink driving code
Find cover for your specific drink driving code
Drink driving convictions carry different codes depending on what happened: driving or attempting to drive, being in charge, or failing to provide a specimen. Each is rated differently by insurers.
Each DR code relates to a different offence, select yours below.
Drink driving convictions carry different codes depending on what happened: driving or attempting to drive, being in charge, or failing to provide a specimen. Each is rated differently by insurers.
Each DR code relates to a different offence, select yours below.

DR10
Driving or attempting to drive with alcohol level above the legal limit.

DR20
Driving or attempting to drive while unfit through drink.

DR30
Driving or attempting to drive then failing to provide a specimen for analysis.

DR40 & DR50
In charge of a vehicle (not driving) while over the limit or unfit through drink.

DR60 & DR70
Failing to provide a specimen for analysis or for a breath test.

Not sure of your code?
Check your exact DR code and points on your DVLA driving record.
Does a conviction affect an accident claim?
Does a conviction affect an accident claim?
Declaring a conviction honestly doesnโt stop you claiming. Not declaring one can, because an insurer may reduce a payout or void the policy if they later discover an undeclared conviction.
Declaring a conviction honestly doesnโt stop you claiming. Not declaring one can, because an insurer may reduce a payout or void the policy if they later discover an undeclared conviction.


This type of cover may be suitable at any stage after a drink-driving conviction.
This cover may be suitable for:
Real-world scenarios. Real-world cover
Real-world scenarios. Real-world cover
These are the everyday situations we see for drivers with a drink driving conviction, and the cover that responds in each case.
These are the everyday situations we see for drivers with a drink driving conviction, and the cover that responds in each case.
Accident while over the limit
You cause an accident while over the legal alcohol limit.
What typically happens
Third party paid, cost reclaimed from you
Own vehicle damage
Your own car is damaged in the same accident.
What typically happens
Often not covered, even on comprehensive
Renewal after conviction
Your policy is due for renewal after your conviction.
What typically happens
Premium increases, specialist insurer may be needed
Non-disclosure
You donโt tell your insurer about a conviction.
What typically happens
Policy can be voided entirely
Drink driving insurance is priced on the offence code, the reading recorded, the length of any ban, how long ago it happened, whether you completed a rehabilitation course and your wider driving record.
Your specific DR code
Some codes, like DR30 (refusal), can be viewed as higher risk than others.
Your driving history overall
A clean record before the conviction may help your case.
How long ago it happened
More recent convictions are generally viewed as higher risk than older ones.
Level of cover chosen
Third party, third party fire & theft or comprehensive cover all affect price differently.
Number of points or bans
Multiple convictions or a longer ban can increase your premium.
How you use your vehicle
Personal or work-related driving can be assessed differently.
Drink driving codes at a glance
Drink driving codes at a glance
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 |
|---|---|---|---|
DR10 | Driving with alcohol above the legal limit | 12 month ban minimum | 11 years |
DR20 | Driving while unfit through drink | 12 month ban minimum | 11 years |
DR30 | Refusing to provide a specimen | 12 month ban minimum | 11 years |
DR40 / DR50 | In charge of a vehicle while over the limit | 10 | 4 years |
DR60 | Failing to provide a specimen (not driving) | 10 | 4 years |
DR70 | Failing to provide a breath test | 4 | 4 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.
Tell us about your drink driving conviction
Whether it was a DR10 or related code, the date, and the length of your ban.
Tell us about you and your vehicle
Your age, driving history, and the vehicle you want to insure.
We find insurers who cover drink driving
Many mainstream insurers decline drink driving convictions outright. We go to the ones who donโt.
Get back on the road
We explain your options and arrange cover so youโre insured the day your ban ends.
Trusted 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.
Drink driving insights & guides
Drink driving insights & guides
Practical advice on DR codes, disclosure and getting back on the road.
Practical advice on DR codes, disclosure and getting back on the road.
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about drink driving insurance and DR codes.
Find quick answers to common questions about drink driving insurance and DR codes.
Thereโs no fixed price, it depends on your specific code, how long ago the conviction was, and your driving history. Costs are typically highest immediately after conviction and can improve over time. Speak to an adviser for a quote based on your situation.