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Drug DrivingInsurance
Drug Driving Insurance
Convicted of a drug driving offence (DG10, DG40, DR80 or DR90)? We help you find suitable cover through specialist insurers.
Convicted of a drug driving offence (DG10, DG40, DR80 or DR90)? We help you find suitable cover through specialist insurers.
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What is a drug driving conviction?
Drug driving covers four DVLA codes. DG10 (driving with a drug level above the specified limit) and DG40 (in charge of a vehicle with a drug level above the limit) are based on a measured level from a roadside and blood test. DR80 (driving while unfit through drugs) and DR90 (in charge while unfit through drugs) are based on impairment. Driving or attempting to drive, under DG10 or DR80, means an obligatory ban of at least 12 months. Being in charge, under DG40 or DR90, usually means 10 points, though the court can ban you.
“Drug driving limits cover both illegal drugs and certain prescription medicines, a prescription alone isn’t automatically a defence.”
The right cover depends on:
Whether your code is DG10, DG40, DR80 or DR90Your driving history before the convictionHow long ago the conviction happenedHow you use your vehicleWhether you’re still disqualifiedWhether other substances were involved
Important Note
Being prescribed a controlled medication isn’t automatically a defence to a drug driving charge. You may still need to show you were taking it as directed and that your driving wasn’t impaired, always carry evidence of your prescription and discuss any concerns with your GP or a solicitor.
Who needs drug driving insurance?
This type of cover may be suitable at any stage after a DG10, DG40, DR80 or DR90 conviction.
This cover may be suitable for:
Recently Convicted DriversYoung or New Drivers with a ConvictionDrivers Completing a BanDrivers Prescribed Controlled MedicationDrivers Returning After a BanOlder Convictions Still on LicenceDG10, DG40, DR80 or DR90
which is yours?
DG10, DG40, DR80 or DR90
which is yours?
DG10 and DG40 mean a drug level above the specified limit, measured by a roadside and blood test. DR80 and DR90 mean being unfit to drive through drugs, judged on impairment. In each pair, driving means an obligatory ban of at least 12 months, while being in charge usually means 10 points.
DG10 and DG40 mean a drug level above the specified limit, measured by a roadside and blood test. DR80 and DR90 mean being unfit to drive through drugs, judged on impairment. In each pair, driving means an obligatory ban of at least 12 months, while being in charge usually means 10 points.
DG10
Driving or attempting to drive with a drug level above the specified limit.
DG40
In charge of a vehicle, but not driving, with a drug level above the specified limit.
DR80
Driving or attempting to drive while unfit through drugs.
DR90
In charge of a vehicle (not driving) while unfit through drugs.
DR10 or DR20
If your conviction was alcohol-related rather than drugs.
IN10
If you were also convicted of driving uninsured.
TT99
If your points totalled 12 or more, resulting in totting-up.
Not Sure Which Applies?
Check your exact code and points on your DVLA driving record.
What could affect your drug driving insurance?
What could affect your drug driving insurance?
The code, the length of your ban, how recently it ended and whether you have other convictions all shape the price and which insurers will offer you cover.
The code, the length of your ban, how recently it ended and whether you have other convictions all shape the price and which insurers will offer you cover.
What could go wrong and what covers it?
What could go wrong and what covers it?
The situations drivers with a drug driving conviction worry about most are being refused cover, finding an insurer that will quote, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
The situations drivers with a drug driving conviction worry about most are being refused cover, finding an insurer that will quote, 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 DG10, DG40, DR80 or DR90 conviction.
What typically happens
Policy can be voided entirely
Accident after taking drugs
You cause an accident while over the drug driving limit or unfit through drugs.
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 drug-driving conviction.
What typically happens
Treated more seriously, longer disqualification likely
What to consider with drug driving cover
What to consider with drug driving cover
Before you buy cover with a drug driving 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 drug driving 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 conviction, as well as third party options.
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 drug driving insurance?
Drug driving insurance is priced on the offence code, the length of your disqualification, how long ago the conviction happened, any other convictions and the vehicle you need covered.
Whether your code is DG10, DG40, DR80 or DR90
In-charge offences are typically assessed differently to driving offences.
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.
Points or a ban
Insurers will ask whether you received a ban or penalty points.
How you use your vehicle
Personal or work-related driving can be assessed differently.
Drug driving compared to related codes
Drug driving 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 |
|---|---|---|---|
DG10 | Driving with a drug level above the specified limit | 12 month ban minimum | 11 years |
DG40 | In charge with a drug level above the specified limit | 10 points, ban possible | 4 years |
DR80 | Driving while unfit through drugs | 12 month ban minimum | 11 years |
DR90 | In charge while unfit through drugs | 10 points, ban possible | 4 years |
DR10 | Drink driving above the limit | 12 month ban minimum | 11 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 drug driving conviction
Which of the four codes you have, the date, and the length of any 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 drug driving
Drug driving convictions narrow the market sharply. We approach specialists who still quote.
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.
Drug driving insights & guides
Drug driving insights & guides
Practical advice on the four drug driving codes and getting back on the road.
Practical advice on the four drug driving codes and getting back on the road.
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about drug driving insurance and the four drug driving codes.
Find quick answers to common questions about drug driving insurance and the four drug driving codes.
Drug driving covers four DVLA codes. DG10 and DG40 are for a drug level above the specified limit, while driving or while in charge of a vehicle. DR80 and DR90 are for being unfit through drugs, while driving or while in charge. The driving offences mean an obligatory ban of at least 12 months, while the in charge offences usually mean 10 points.
Still have questions?
Our advisers are here to help you find the right solution.
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