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DG40Insurance
DG40 Insurance
Convicted of being in charge of a vehicle with a drug level above the legal limit? If you are still driving, we find specialist insurers who will quote for cover now.
Convicted of being in charge of a vehicle with a drug level above the legal limit? If you are still driving, we find specialist insurers who will quote for cover now.
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What is a DG40 conviction?
DG40 is the DVLA endorsement code for being in charge of a vehicle, but not driving or attempting to drive it, with a drug level above the specified limit. Because you were not driving, a ban is at the court’s discretion. If the court does not disqualify you, it must give you 10 penalty points. A DG40 stays on your licence for 4 years from the date of the offence, or from the date of conviction if you were banned.
“You don’t have to be driving to be convicted, being in charge of the vehicle with a drug level above the limit is enough.”
The right cover depends on:
How long ago your DG40 was recordedYour driving history before the convictionWhether you were given points or a banHow you use your vehicleYour points totalWhether prescription medication was involved
Is DG40 the right code, or something else?
Is DG40 the right code, or something else?
DG40 is one of four drug driving codes, so make sure you’ve got the right one.
DG40 is one of four drug driving codes, so make sure you’ve got the right one.
DG10
Driving or attempting to drive with a drug level above the specified limit.
DR90
In charge of a vehicle while unfit through drugs, judged on impairment rather than a measured limit.
DR40 or DR50
The alcohol equivalent, in charge while over the limit or unfit through drink.
IN10
If you were also convicted of driving uninsured.
TT99
If your points totalled 12 or more, resulting in totting-up.
Banned Driver
If your conviction resulted in disqualification.
What could go wrong and what covers it?
What could go wrong and what covers it?
The situations drivers with a DG40 conviction worry about most are being refused cover, finding an insurer that will quote while the conviction is recent, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
The situations drivers with a DG40 conviction worry about most are being refused cover, finding an insurer that will quote while the conviction is recent, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
Is DG40 insurance right for you?
This type of cover may be suitable at any stage after a DG40 conviction, including while you are still driving with 10 points.
This cover may be suitable for:
Recently Convicted DriversYoung or New Drivers with a DG40Drivers Still on the Road With 10 PointsDrivers Charged With DG10, Convicted of DG40Drivers Returning After a BanOlder DG40s 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 DG40 conviction, and the cover that responds in each case.
These are the everyday situations we see for drivers with a DG40 conviction, and the cover that responds in each case.
Non-disclosure
You don’t tell a new insurer about your DG40.
What typically happens
Policy can be voided entirely
Confusion with DG10
You’re unsure whether you were driving or just in charge.
What you should do
Check your exact code with the DVLA before applying
Renewal after conviction
Your policy is due for renewal after your DG40.
What typically happens
A specialist insurer may be needed
Prescription medication disputes
You’re prescribed medication that led to a positive test.
What typically happens
Being prescribed isn’t automatically a defence
What affects the cost of DG40 insurance?
Insurers look at whether you were given points or a ban, how recently the conviction happened and the rest of your driving history.
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.
Number of points received
Insurers will ask whether you received 10 points or a ban.
Level of cover chosen
Insurers will ask whether you want third party, third party fire and theft or comprehensive cover.
Whether you’ve had other convictions
Multiple convictions can make cover harder to arrange.
How you use your vehicle
Personal or work-related driving can be assessed differently.
DG40 compared to related codes
DG40 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 |
|---|---|---|---|
DG40 | In charge with a drug level above the specified limit | 10 points, ban possible | 4 years |
DG10 | Driving with a drug level above the specified limit | 12 month ban minimum | 11 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 DG40
When you were convicted of being in charge over the drug driving limit, and whether you received points or a 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 DG40
A drug conviction narrows the market, even without a ban. We go to the specialist insurers who quote for it.
4
Choose your cover
We explain your options in plain terms and set up the right policy.
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.
DG40 insights & guides
DG40 insights & guides
Practical advice on DG40 convictions and the difference from driving offences.
Practical advice on DG40 convictions and the difference from driving offences.
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about DG40 insurance and disclosure.
Find quick answers to common questions about DG40 insurance and disclosure.
DG40 is the DVLA endorsement code for being in charge of a vehicle, but not driving it, with a drug level above the specified limit. The court may ban you, but if it does not, it must give you 10 points. It stays on your licence for 4 years.
Still have questions?
Our advisers are here to help you find the right solution.
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