Drug Driving DG10 Insurance

A DG10 conviction is issued when a driver is found to have operated a vehicle with drug levels in their system that exceed the legal limits. This includes both illegal substances like cannabis and cocaine and some prescription drugs if they impair the ability to drive. The conviction is a serious offense with legal, financial, and social repercussions, especially when it comes to car insurance.

Legal Thresholds for Drugs in Driving

The law sets specific limits for various drugs in the bloodstream, including:

• Cannabis (THC): 2 µg/L.
• Cocaine: 10 µg/L.
• Ketamine: 20 µg/L.
• Prescription Drugs: Limits also apply to legal medications such as diazepam and morphine if they impair driving ability.

Drivers are required to inform their doctor if taking medications that could affect driving ability to avoid inadvertently breaching the law.

Penalties for a DG10 Conviction

• Driving Ban: Minimum 12 months, but can be longer for serious cases.
• Fine: Unlimited, depending on the severity of the offense.
• Prison Sentence: Up to 6 months in extreme cases, such as those involving accidents.
• Criminal Record: Remains on your driving licence for 11 years, visible to insurers and employers.

In addition, a conviction may include a mandatory drug-driving rehabilitation course to reduce the length of the ban.

Who Enforces DG10 Convictions?

The police use roadside drug screening devices and field impairment tests to assess drivers suspected of drug use. If positive, further testing is conducted at the station to confirm drug levels. Refusing to undergo testing can result in an automatic charge of drug-driving.

Insurance Implications of a Drug Driving Conviction

After a DG10 conviction, insurers categorise you as a high-risk driver, leading to significantly higher premiums, often double or triple the standard rate. Some insurers may decline to provide coverage altogether. It is essential to disclose the conviction, as failing to do so can invalidate your policy.

• Specialist Providers: Many drivers with DG10 convictions must turn to insurers specialising in high-risk policies.
• Duration of Impact: Insurers typically consider the conviction relevant for 5 years, though it remains on record for 11 years.

Additional Consequences

• Employment Restrictions: A criminal record can impact career opportunities, especially for roles requiring driving.
• Licence Revocation: You may be required to reapply for a licence and demonstrate fitness to drive, including a medical assessment.
• Public Stigma: Drug-driving carries significant social consequences and may damage personal and professional relationships.

Preventative Measures

To avoid a DG10 conviction:

• Do not drive after using drugs, including prescription medications, without consulting a healthcare professional.
• Arrange alternative transport if unsure of your fitness to drive.
• Educate yourself on the legal limits and effects of both illegal and prescription drugs on driving.