DR10 Car Insurance
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What is DR10 car Insurance?
For those who do not know the reason for DR10 car insurance that is a good thing. This is the type of insurance necessary for those that have been caught driving while under the influence of alcohol over the legal limit and convicted of drink-driving in a UK court.
DR10 car insurance is difficult to find as many providers refuse to even quote for high risk drivers. We can help by providing you multiple quotes from a select panel of UK convicted car insurance providers
Is it possible to get vehicle insurance with a DR10 endorsement on my driver’s licence?
Yes, it is possible to take out a vehicle insurance policy after a person has been convicted of operating a vehicle with an alcohol level above the legal limit, but there are consequences of having this type of endorsement on your record. The most notable is that vehicle insurance premiums will be higher. The higher costs are due to the assessment by the insurance companies that these drivers are now classified as high risk.
Do I have to declare I have a DR10 endorsement on my licence?
Yes, buy law if you have a DR10 endorsement on your driving licence you must declare it to an insurance company for 5 years from the date the courts convicted you. Failure to do so will null and void any insurance policy you have and no claims will be honoured.
After 5 years from the date of the conviction, not the arrest, the DR10 endorsement no longer has to be declared when taking out a vehicle insurance policy. What has to be understood is that a conviction of drinking and driving offence is a criminal conviction. This conviction will remain on your criminal record for 11 years.
Are all DR10 endorsements considered the same by insurance specialists?
No, each one is reviewed individually by the insurance companies where a policy is being requested. During the review, the agents will look at the conviction including the number of points placed on the person’s driver’s licence. The pointed accumulated for just one drink driving conviction is from 3 to 11. The 3 point level is the least severe that can be tacked onto a person’s licence while 11 is the maximum. The higher the number, the increased level of risk is associated with covering the driver with insurance.
As a point of reference, 12 points on a driving licence disqualifies a driver. This disqualification or driving ban will last for 6 months if 12 points are accumulated in less than 3 years.
Is a DR10 a criminal conviction?
Yes is the answer. The road traffic act of 1988 classes drunk driving as a criminal offence, and you can serve time depending on the severity of the offence.
When does a dr10 become spent?
Whilst a DR10 will remain on your licence for 11 years it is considered spent after 5 years. Spent means that you no longer need to declare it to the insurance company. Please note, some Brokers may ask if you were ever convicted, and you must answer truthfully to these questions, else invalidate your insurance.
How long will a DR10 endorsement remain on my driving record?
The actual DR10 endorsement will remain on your licence for a period of 11 years beginning from the date that you convicted.
Will a drink driver rehabilitation course reduce my premium?
For most brokers this will be viewed as positive and will help lower your premium. This may be offered by the court and if you refuse you can not then take at a later date.
Does a DR10 endorsement affect anything else other than my vehicle insurance rate?
Yes, it can. There are many jobs and careers that can’t be pursued once a criminal conviction is on a person’s record. These paths include but not limited to teaching, bus driver’s law enforcement and many others.
What has to be understood is that when applying for a job, the DR10 must be disclosed for 11 years from the date of the conviction. Failure to do so can lead to dismissal of employment.
To be legal on the road in the UK behind the wheel of a vehicle requires a valid driver’s licence. For those looking for DR10 insurance, the price of operating a vehicle has become more expensive due to the increased risk you pose. The only legal alternative is to take public transportation.
Help finding DR10 Insurance for convicted drivers
Finding cheap DR10 insurance is next to impossible. The best you can do is compare as many providers of DR10 Car insurance and find one that meets your driving requirements and is within your budget.
Take note failure to disclose any and all convictions will invalidate your licence and is in addition put you in breach of the UK law. If stopped you will face a driving ban you will find it next to impossible to get convicted car driving insurance in the future.
DR10 driving Insurance
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