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5 Ridiculous Excuses For Drink Driving
It’s summer, and that means lots of BBQs, beach parties and festivals. It also means that thousands of people will risk driving home when they’ve had…
DR10Insurance
DR10 Insurance
Convicted of driving with alcohol above the legal limit? We help you find suitable cover through specialist insurers.
Convicted of driving with alcohol above the legal limit? We help you find suitable cover through specialist insurers.
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What is a DR10 conviction?
DR10 is the DVLA endorsement code for driving, or attempting to drive, with an alcohol level above the legal limit. It’s the most common drink-driving conviction and carries an obligatory driving ban of at least 12 months, staying on your licence for 11 years.
“Insurers can usually only see and ask about a DR10 for the first 5 years, even though it stays on your licence for 11.”
The right cover depends on:
How long ago your DR10 was recordedYour driving history before the convictionWhether you’re still disqualifiedHow you use your vehicleThe length of your banWhether you’ve completed a course
Is DR10 the right code, or something else?
Is DR10 the right code, or something else?
DR10 means driving or attempting to drive while over the legal alcohol limit. If you were in charge of the vehicle but not driving, or refused to give a sample, a different code applies.
DR10 means driving or attempting to drive while over the legal alcohol limit. If you were in charge of the vehicle but not driving, or refused to give a sample, a different code applies.
DR20
Driving while unfit through drink, rather than over a set alcohol limit.
DR30
Failing or refusing to provide a specimen for analysis.
DR40 & DR50
“In charge” of a vehicle, rather than driving it, while over the limit.
DG10 & DG40
The drug driving equivalents of DR10 and DR40: a measured drug level above the specified limit.
DR80 & DR90
The drug codes for driving (DR80) or being in charge (DR90) while unfit through drugs, based on impairment rather than a measured level.
IN10
A separate code for driving uninsured, sometimes issued alongside a DR10.
Not Sure Which Applies?
Check your exact code and points on your DVLA driving record.
What could affect your DR10 insurance?
What could affect your DR10 insurance?
Insurers look at more than the code itself, the reading recorded, how long you were disqualified, whether you took a rehabilitation course and how you have driven since.
Insurers look at more than the code itself, the reading recorded, how long you were disqualified, whether you took a rehabilitation course and how you have driven since.
What could go wrong and what covers it?
What could go wrong and what covers it?
The situations drivers with a DR10 conviction worry about most are being refused cover, paying far more than before, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
The situations drivers with a DR10 conviction worry about most are being refused cover, paying far more than before, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
Non-disclosure
You don't tell your insurer about your DR10 conviction.
What typically happens
Policy can be voided entirely
Accident while over the limit
You cause an accident while over the 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
Second conviction
You receive a second drink-driving conviction within 10 years.
What typically happens
Minimum 3-year disqualification
What to consider with DR10 cover
What to consider with DR10 cover
Before you buy cover with a DR10 conviction, check how the insurer treats the reading, the ban length and the date of conviction, and whether the policy includes the driving you actually do.
Before you buy cover with a DR10 conviction, check how the insurer treats the reading, the ban length and the date of conviction, and whether the policy includes the driving you actually do.
Comprehensive vs Third Party
Comprehensive cover is available after a DR10, though it may cost more than third party.
Named Driver Policies
Cover for a specific named driver with the conviction on their licence.
Breakdown Cover
Optional roadside assistance and recovery if your vehicle breaks down.
Legal Expenses
Optional support with legal costs if you’re involved in a future incident.
Windscreen Cover
Optional help with the cost of windscreen repair or replacement.
What affects the cost of DR10 insurance?
DR10 insurance has no set price. It depends on the reading at the time, the length of your disqualification, how recently the conviction happened, your age and experience, 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
The length of your ban and when it ends are taken into account.
Level of cover chosen
Third party, third party fire & theft or comprehensive cover all affect price differently.
Whether you’ve had other convictions
Multiple convictions can make cover harder and more expensive to arrange.
How you use your vehicle
Personal or work-related driving can be assessed differently.
DR10 compared to related codes
DR10 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 |
|---|---|---|---|
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 points, ban possible | 4 years |
DR80 | Driving unfit through drugs | 12 month ban minimum | 11 years |
DG10 | Driving with a drug level above the specified limit | 12 month ban minimum | 11 years |
IN10 | Using a vehicle uninsured | 6 to 8 points | 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.
1
Tell us about your DR10
The reading recorded, the date, and the length of your ban.
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 DR10
A DR10 stays on your licence for 11 years and many mainstream insurers decline it. Specialists don’t.
4
Insured when your ban ends
We arrange cover to start the day you’re legally allowed 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.
DR10 insights & guides
DR10 insights & guides
Practical advice on DR10 convictions, disclosure and getting back on the road.
Practical advice on DR10 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 DR10 insurance and disclosure.
Find quick answers to common questions about DR10 insurance and disclosure.
DR10 is the DVLA endorsement code for driving, or attempting to drive, with an alcohol level above the legal limit. It carries an obligatory ban of at least 12 months and stays on your licence for 11 years.
Still have questions?
Our advisers are here to help you find the right solution.
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