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5 Ridiculous Excuses For Drink Driving
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DR20Insurance
DR20 Insurance
Convicted of driving while unfit through drink? We help you find suitable cover through specialist insurers.
Convicted of driving while unfit through drink? We help you find suitable cover through specialist insurers.
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What is a DR20 conviction?
DR20 is the DVLA endorsement code for driving, or attempting to drive, while unfit through drink, based on impairment rather than a specific breath, blood or urine reading. It carries an obligatory driving ban of at least 12 months and stays on your licence for 11 years.
“DR20 is about being unfit to drive through drink, which can apply even without a precise reading over the limit.”
The right cover depends on:
How long ago your DR20 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 DR20 the right code, or something else?
Is DR20 the right code, or something else?
DR20 means driving while unfit through drink, judged on impairment rather than a measured reading over the limit, so make sure you’ve got the right code.
DR20 means driving while unfit through drink, judged on impairment rather than a measured reading over the limit, so make sure you’ve got the right code.
DR10
Driving with alcohol above the limit, based on a specimen actually provided.
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.
DR80
The drug-driving equivalent, driving while unfit through drugs.
IN10
A separate code for driving uninsured, sometimes issued alongside a DR20.
RecommendedNot Sure Which Applies?
Check your exact code and points on your DVLA driving record.
What could go wrong and what covers it?
What could go wrong and what covers it?
The situations drivers with a DR20 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 DR20 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.
Is DR20 insurance right for you?
This type of cover may be suitable at any stage after a DR20 conviction.
This cover may be suitable for:
Recently Convicted DriversYoung or New Drivers with a DR20Drivers Completing a BanDrivers Completing a CourseDrivers Returning After a BanOlder DR20s Still on LicenceReal-world scenarios. Real-world cover
Real-world scenarios. Real-world cover
These are the everyday situations we see for drivers with a DR20 conviction, and the cover that responds in each case.
These are the everyday situations we see for drivers with a DR20 conviction, and the cover that responds in each case.
Non-disclosure
You don’t tell a new insurer about your DR20.
What typically happens
Policy can be voided entirely
Accident while impaired
You cause an accident while unfit to drive.
What you should do
Third party paid, cost reclaimed from you
Renewal after conviction
Your policy is due for renewal after your DR20.
What typically happens
Premium increases, specialist insurer may be needed
Multiple Convictions
You receive a second drink-driving related conviction.
What typically happens
Treated more seriously, cover may be harder to find
What affects the cost of DR20 insurance?
DR20 insurance depends on the length of your disqualification, the reading recorded, how recently the conviction happened, your age 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.
DR20 compared to related codes
DR20 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 |
|---|---|---|---|
DR20 | Driving while unfit through drink | 12 month ban minimum | 11 years |
DR10 | Driving with alcohol above the legal limit | 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 |
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 | 6-8 | 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 DR20
When it happened, the circumstances, 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 DR20
Driving while unfit through drink is treated as seriously as a DR10. We approach specialists who quote for it.
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.
DR20 insights & guides
DR20 insights & guides
Practical advice on DR20 convictions, disclosure and getting back on the road.
Practical advice on DR20 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 DR20 insurance and disclosure.
Find quick answers to common questions about DR20 insurance and disclosure.
DR20 is the DVLA endorsement code for driving while unfit through drink, based on impairment rather than a specific reading. 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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