DR10 Drink Driver Car Insurance
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Why Compare DR10 Car Insurance Quotes With SimplyQuote?
Finding affordable car insurance can be tough in the best of times, but it’s even tougher when you have a driving licence with a DR10 (or any other drink driving) conviction code.
Fortunately, it’s not the end of the road for you, as car insurance for drink drivers is possible in the UK. While you may have to pay higher premiums, not every insurance provider will charge exorbitant prices, which is why it’s best to do a comparison.
Use SimplyQuote’s 100% free, online comparison tool and compare car insurance quotes from a wide range of leading UK insurance providers. In just a few clicks, you can gain exclusive access to some of the best-priced deals on the market.
Finding car insurance for convicted drivers could not be more simple!
What Do You Need To Get A Quote?
Convicted drink drivers can get a car insurance quote by providing the following info:
- Personal details
- UK location
- Vehicle registration number
- Vehicle information – make, model, size, age
- No claims bonus history
- Unspent drink driving conviction info – DR10, DR20, D40, D50, etc.
Why Do You Need DR10 Car Insurance In The UK?
Anyone driving on UK roads needs car insurance.
It’s a legal requirement to have at least third-party insurance. This ensures you’re protected against any third-party claims brought against you, should you injure someone or damage their property/vehicle while behind the wheel.
Without the right cover, you could face a £300 on-the-spot fine, penalties, additional licence points or possible jail time.
Looking for cheap drink driver insurance? Get your quote today!
Get QuotesHow Long Do You Need To Declare Drink Driving Convictions To UK Insurers?
According to the Rehabilitation of Offenders Act 1974, all unspent convictions must be declared to insurance providers.
Here’s a quick guide on the duration of unspent driving convictions and how long you need to declare them:
| Sentence Type/Length | Over 18 | Under 18 |
|---|---|---|
| Community/youth rehabilitation order | Until the last day of your order | Until the last day of your order |
| One year or less | One year | Six months |
| One to four years | Four years | Two years |
| More than four years | Seven years | 3.5 years |
Drink-driving conviction codes
- DR10: Driving or attempting to drive with an alcohol level above the limit.
- DR20: Driving or attempting to drive while unfit through drink.
- DR30: Driving or attempting to drive and then failing to supply a specimen for analysis.
- DR40: In charge of a vehicle while alcohol level is above the limit.
- DR50: In charge of a vehicle while unfit through drink.
- DR60: In charge of a vehicle and refusing a specimen for analysis.
- DR70: Failing to cooperate with a preliminary roadside test.
Note: Conviction codes DR10 – DR70 stay on your record between four and 11 years.
What Does DR10 Car Insurance Cover?
Car insurance for drink drivers covers everything a normal car insurance policy would, such as:
- Third-party liability
- Vehicle damages (repairs and replacement)
- Personal injuries (and medical bills)
- Legal fees
- Fire damage
- Theft
- Roadside assistance – included in some policies
Are there any exclusions?
- Normal wear and tear
- Malicious/intentional damage to the vehicle
- Personal belongings
- Driving under the influence of drugs/alcohol
- Driving without a licence (or while serving a driving ban)
- Negligence
When won’t you be covered?
- When serving a driving ban.
- Failing to disclose driving convictions.
What Types Of DR10 Car Insurance Are Available In The UK?
Drink driving insurance is essentially just car insurance and there are various options available in the UK. The type you choose will depend on what you’re looking for from your insurance provider and policy.
Here are a few examples:
- Young driver car insurance
- Electric car insurance
- Van insurance
- Multi-car insurance
- Business car insurance
- Convicted drivers’ insurance
- Classic car insurance
- Over 60 insurance
Like any standard car insurance policy, there are different levels of cover you can opt for.
What Levels Of DR10 Car Insurance Can You Get?
There are three levels of car insurance convicted drivers can choose from:
- Third-party only (TPO): This is the most basic level of cover and is the bare minimum requirement stated by UK law. It only covers third-party claims, meaning it covers none of your personal expenses (for the vehicle or medical bills).
- Third, party fire and theft (TPFT): This is a mid-range level of cover which includes basic TPO. It covers the costs of vehicle repairs/replacement if your car is damaged by fire or stolen. It won’t pay out for damages caused by a car accident.
- Fully comprehensive: This is the highest level available. It includes TPO and TPFT and will compensate for vehicle repairs/replacement and personal medical expenses if you’re in a collision. It generally also includes social, domestic and pleasure (SD&P) cover.
Note: Some insurance providers may stipulate which level of cover they are prepared to cover drink drivers with.
What Add-Ons Are Available For DR10 Car Insurance?
Like any standard car insurance policy, there’s a list of optional extras:
- Breakdown cover – may be called roadside assist cover by some insurance providers
- Courtesy car cover or replacement vehicle cover
- Personal belongings cover
- Additional personal accident cover
- Legal expense cover – might be called motor legal cover
- Telematics insurance (i.e. black box insurance)
- EU/international cover
- Windscreen cover
- Child seat cover
- Key/lock cover
How Much Does DR10 Car Insurance Cost?
Based on February 2024 annual pricing, drink driving insurance costs around:
| Conviction Code | Annual Cost (£) |
|---|---|
| DR10 | £1,700 |
| DR20 | £1,738 |
| DR30 | £2,500 |
| DR40 | £1,470 |
| DR50 | £2,254 |
| DR60 | £1,751 |
| DR70 | £5,013 |
What impacts car insurance premiums?
- Age
- Mileage
- UK location
- Type of vehicle driven
- Vehicle security when not in use
- Drink driving conviction code – DR10, DR20, DR50, etc.
Fortunately, there are ways to reduce your car insurance premiums, even with drink driving convictions on your driving record.
How Can You Get Cheaper Car Insurance Rates?
Here are 10 tips to lower your drink-driving car insurance costs:
- Complete a rehabilitation course – this could also reduce your driving ban by 25%.
- Compare insurance quotes from various providers to find the cheapest rate.
- Opt for telematics insurance whereby black boxes monitor how you drive.
- Drive fewer miles (if possible) as less time on the road means you’re lower risk.
- Consider a cheaper car and avoid modifications.
- Opt for a higher voluntary excess to save money in the long term.
- Add a named driver to your policy.
- Pay premiums annually, not monthly.
- Secure your vehicle when not in use – e.g. alarms, immobilisers, locked garage.
- Only select the policy add-ons you need to avoid unnecessary expenses.
Ready to compare cheap car insurance? Use SimplyQuote’s comparison tool today!
How To Compare DR10 Car Insurance Quotes With SimplyQuote
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Frequently Asked Questions
DR10 insurance is car insurance for drink drivers, also known as drink driver insurance. This insurance policy only applies to those who have drink driving offences to their name.
- If you’ve been given a driving ban, you still need third-party insurance for your car unless you officially declare it off the road with a Statutory Off Road Notification (SORN).
- If you file a SORN, you won’t need to pay road tax.
- When your driving ban is over, you’ll need to apply to get your driving licence reissued and get car insurance.
UK drivers caught driving with an alcohol level above the limit can lead to:
- Up to six months in prison (life imprisonment if you kill someone)
- An unlimited fine
- A one-year driving ban (three years if convicted twice in 10 years)
- A court referral to attend a drink driving rehabilitation course
If you are in an accident and have injured someone, your insurance company will generally cover liability costs for third parties. Your insurance policy generally will NOT cover your (the driver’s) personal medical bills or vehicle repair costs, even if you have comprehensive cover.
It’s worth mentioning that it’s not uncommon for insurance providers to pass on third-party liability costs to you.
Yes. Even though a drink driving conviction is a motoring offence, it’s also considered a criminal offence in the UK. Depending on your age and the severity of your offence, it might appear on your Disclosure and Barring Service (DBS) record. See the DBS Checks website for more info.