The Cheapest Car Insurance with DR10 Conviction

Having a DR10 conviction can make it tough to find cheap car insurance. But don’t worry; you’re not alone. Each month, more than 9,300 people come to us for advice on this exact issue. We know it can be scary to think that you might not be able to afford car insurance or even worse, that you may not be able to get insurance at all.

In this article, we’ll share valuable information to help you understand and find solutions. We’ll cover:

• What a DR10 conviction is.
• How it can lead to a driving ban.
• How it can affect your car insurance costs.
• Tips to find cheaper car insurance even with a DR10 conviction.
• Why it’s important to inform your insurance company about your conviction.

We understand your worries. We’re here to guide you through your insurance journey, even after a DR10 conviction. This article aims to give you the confidence to find the right insurance deal for you.

Let’s get started and discuss your options.

What is a DR10 code?

A motorist who is guilty of a DR10 offence has driven or attempted to drive while above the legal alcohol limit. 

Source: https://forums.moneysavingexpert.com/discussion/6232205/drink-driving-car-insurance 

Do you get disqualified for drunk driving?

Yes, there is a mandatory driving ban if you drive a vehicle with alcohol levels above the legal limit. The length of your ban is determined by how much you were over the legal limit. 

The driving ban lasts a minimum of three years if you were previously convicted of drunk driving in the last 10 years. The ban can be reduced by taking a course. 

Can I still get my car insured?

Yes, you can still get insurance with a DR10 conviction but the cost of your insurance will be more expensive. 

Be aware that you will need to continue having insurance during your driving ban if the vehicle is parked on a public road. And a driving ban will usually null and void existing insurance for yourself and any other named drivers. 

» TAKE ACTION NOW: Find the best insurance for drivers with points

What is the penalty?

The consequences of getting convicted of a DR10 offence are summarised in the table below:

Conviction code	Offence	Penalty points	Duration conviction remains on your licence
DR10	Attempting to drive or driving with an alcohol level above the legal limit	3-11 penalty points	11 years from the date of the driving conviction

How much more expensive will it be?

Admiral states that the cost of vehicle insurance increases by 75% on average when you have at least six penalty points added to your licence. But you might still be able to find affordable car insurance. 

How can I make the costs cheaper?

To make your insurance cheaper with a DR10, it’s best to get support from a vehicle insurance broker, preferably one that has a track record of helping convicted drivers get insured via high-risk policies. 

These companies and services may be able to unlock insurance policies not easily found online, or even exclusive deals through the broker. 

You should also consider the vehicle you will drive in the future and how changing might reduce your insurance. More on this later. 

Search for Policies

There are some car insurance companies offering cheaper car insurance to convicted drivers through policies specifically marketed to them, namely “convicted driver insurance” or “car insurance with DR10”. 

You may want to search for these policies instead of focusing on the mainstream insurance market. 

Combine niche searches like this with the use of comparison websites to save time, but don’t feel like you have to choose insurance through a third party as it could make it more expensive. 

How long does it affect insurance?

Although the conviction remains on your driving licence for eleven years, you only need to declare the driving conviction for five years from the date of conviction. 

Car insurance companies cannot increase your car insurance premiums for convictions that were made over five years ago. Even if they ask, you don’t have to tell them about convictions from more than five years ago.

So, if five years have passed, you can search for standard car insurance policies rather than DR10 car insurance or drunk driving car insurance only. 

What is the least expensive car to insure after a ban?

Another way to reduce the cost of your insurance after a DR10 or any other driving conviction is to start driving a vehicle that is typically cheaper to insure. 

Some vehicles that are often cheaper to insure are:

1. Renault Clio
2. Ford Fiesta
3. Mazda-CX5
4. Skoda Yeti
5. Kia Rio

Quick recap

The best ways to get cheap insurance after a drink driving ban are to:

1. Search drink driving insurance or convicted driver insurance 
2. Use a broker who specialises in helping convicted drivers
3. Consider using and insuring a vehicle that is typically cheaper to insure