When it comes to drink driving or drug driving, it isn’t as straight forward as just being caught under the influence. There are various things to consider, including the conviction type you receive for your offence, which will have an impact on drink and drug car insurance. For drink and drug driving, there are various different conviction codes that you could get.
Codes including DR10, DR20, DR30, DR31 and DR61 are all offences that refer to a drink or drug drinking incident. CD40, CD50, CD60 or CD70 crimes all refer to careless driving involving drugs or alcohol. Specific drug driving endorsement codes include DG10, DG40, DG60, DR80 and DR90.
When it comes to drug driving, it is not just illegal and banned substances that can land you with a conviction and penalty points. Some over the counter and prescription medications can also result in a drug driving conviction if they impair your ability to drive in any way. The government has given some prescription drugs legal limitations, so it is vital that you check with your doctor if you are safe to drive on your medication. Prescription drugs with a limit on include:
If you do receive a conviction for drug or drink driving, the penalties will depend on the severity of the situation. Generally, the penalty will be a minimum of a one-year driving ban, a fine of up to £5,000 and a criminal record. If the case is particularly severe, then you could be given a prison sentence as well. The different convictions you can get will have a different impact on your drink and drug car insurance, and all have a different level of severity.
Any penalty points that you receive as a result of these convictions will stay on your licence for 11 years from your conviction date. For these 11 years, you can expect your insurance premiums to be affected.