DR10 Car Insurance
Car insurance for drink drivers DR10, Drink Driver Insurance
What is DR10 car Insurance?
Updated 27Nov 2021 by Eamonn
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 an alcohol level that is above 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
Multi Quote Time works with QuoteSearcher who provide a simple form which once completed is submitted to a specialist panel of brokers. The panel will be in contact via the telephone to provide you DR10 car insurance quotes.
How much can I drink before exceeding the limit?
The following limits are valid as of May 2021 for any changes please visit gov.uk/driving-limits
|Level of alcohol||England, Wales and Northern Ireland||Scotland|
|Micrograms per 100 millilitres of breath||35||22|
|Milligrammes per 100 millilitres of blood||80||50|
|Milligrammes per 100 millilitres of urine||107||67|
Car insurance for drink drivers DR10
Yes, it is possible to take out a vehicle insurance policy after being 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 the insurance company for 5 years from the date the courts convicted you. Failure to do so will null and void any insurance policy that 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.
Are all DR10 endorsements considered the same by insurance specialists?
No, each one is reviewed individually by the insurance company when a policy quote is requested. During the review, the broker will look at the conviction, including the number of points placed on the person’s driving licence. The points accumulated for just one drink-driving conviction can range from 3 to 11. The 3 point level is the least severe, while 11 is the maximum. The higher the number, the increased level of risk to the broker in providing DR10 car 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.
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 drink driver 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 were convicted.
Will a drink driver rehabilitation course reduce my premium?
For most brokers, this will be viewed as positive and will help lower your drink driver Insurance 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. These paths include, but not limited to teaching, bus driver’s, law enforcement and others.
For those looking for DR10 car 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.
Need help finding DR10 car Insurance?
The best way to find a good deal on drink driver Insurance is to compare the providers of DR10 Car insurance in the UK.
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.