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5 Ridiculous Excuses For Drink Driving
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DR90Insurance
DR90 Insurance
Convicted of being in charge of a vehicle while unfit through drugs? We help you find suitable cover.
Convicted of being in charge of a vehicle while unfit through drugs? We help you find suitable cover.
Enter your vehicle registration
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What is a DR90 conviction?
DR90 is the DVLA endorsement code for being in charge of a vehicle, not driving it, while unfit through drugs. It typically carries 10 penalty points and stays on your licence for 4 years, shorter than the driving equivalent, DR80.
DR90 or DG40? DR90 is for being in charge of a vehicle while impaired by drugs. DG40 is for being in charge with a drug level above the specified limit, and it is the more common of the two. If your licence shows DG40, read our DG40 page instead.
“You don’t have to be driving to be convicted, being in charge of the vehicle while unfit through drugs is enough.”
The right cover depends on:
How long ago your DR90 was recordedYour driving history before the convictionWhether you’re still disqualifiedHow you use your vehicleYour points totalWhether prescription medication was involved
Is DR90 the right code, or something else?
Is DR90 the right code, or something else?
DR90 is one of four drug driving codes. DG10 and DG40 are for a measured drug level above the specified limit, while DR80 and DR90 are for impairment, so make sure you’ve got the right one.
DR90 is one of four drug driving codes. DG10 and DG40 are for a measured drug level above the specified limit, while DR80 and DR90 are for impairment, so make sure you’ve got the right one.
DG40
DR90’s direct equivalent: in charge of a vehicle (not driving) with a measured drug level above the specified limit, rather than impairment.
DG10
Driving with a drug level above the specified limit, based on a measured level rather than impairment.
DR80
Driving or attempting to drive while unfit through drugs.
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.
Not 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 DR90 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 DR90 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 DR90 insurance right for you?
This type of cover may be suitable at any stage after a DR90 conviction.
This cover may be suitable for:
Recently Convicted DriversYoung or New Drivers with a DR90Drivers Completing a BanDrivers Confused With a DR80Drivers Returning After a BanOlder DR90s 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 DR90 conviction, and the cover that responds in each case.
These are the everyday situations we see for drivers with a DR90 conviction, and the cover that responds in each case.
Non-disclosure
You don’t tell a new insurer about your DR90.
What typically happens
Policy can be voided entirely
Confusion with DR80
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 DR90.
What typically happens
Premium increases, 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 DR90 insurance?
DR90 insurance depends on whether you were in charge rather than driving, the penalty given, 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
A higher points total can affect your premium.
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.
DR90 compared to related codes
DR90 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 |
|---|---|---|---|
DR90 | In charge while unfit through drugs | 10 points, ban possible | 4 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 |
DG10 | Driving with a drug level above the specified limit | 12 month ban minimum | 11 years |
DR40 | In charge while over the alcohol limit | 10 points, ban possible | 4 years |
DR50 | In charge, unfit through drink | 10 points, ban possible | 4 years |
DR30 | Refusing a specimen while driving | 12 month ban minimum | 11 years |
TT99 | Totting up, 12+ points in 3 years | 6 month ban minimum | 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 DR90
When you were convicted of being in charge while unfit through drugs, and any ban or points.
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 DR90
Being in charge while unfit through drugs is a specialist risk. We go to 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.
DR90 insights & guides
DR90 insights & guides
Practical advice on DR90 convictions and the difference from driving offences.
Practical advice on DR90 convictions and the difference from driving offences.
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about DR90 insurance and disclosure.
Find quick answers to common questions about DR90 insurance and disclosure.
DR90 means being in charge of a vehicle while unfit through drugs, without driving it. It carries ten points or a discretionary ban and stays on your licence for four years.
Still have questions?
Our advisers are here to help you find the right solution.
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