#DG10 insurance

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Helping you get back on the road

 Driving is an experience many of us enjoy, but with it comes many necessary laws and practices that we must strictly adhere to all times. We may (on occasion) be tempted to break one or two of them, but to do so would be to risk not only your personal safety, but those of everyone else on the road. If you ever do break the rules, you’ll be committing a driving offence which will result in some form of punishment.

Many offences such as; speeding, dangerous and erratic driving, and driving under the influence, can pose a significant risk to other motorists, and the punishments for these are often more severe, potentially leading to fines, penalty points or even a complete driving ban.

                             DG10, GR10, IN10, TT99 Insurance

 Every offence has been designated with a specific code, and each code issues between 1 to 11 penalty points. As you might expect, the more serious the offence, the more points issued. For each offence you commit the appropriate code is placed on your driving licence, along with any penalty points. These codes stay on your driving record for between four to eleven years, depending on the offence. At any point that a license accrues 12 points, the license holder is banned from driving (until such a time that the penalty points have been served and are taken off).

 Of the many penalty codes given for offences, some of the more common are; a DG10, DR10, IN10, and a TT99. Motorists with these offences that try to obtain insurance can find it a real challenge as insurers now deem them to be ‘high risk’ customers.

G10 insurance - A DG10 endorsement code is usually placed on a driving record for the offence of driving (or attempting to drive), with a drug level above the specified limit. Penalty points of between 3-11 are then applied, which will remain on a driving license for 11 years (from the date of conviction). If you have a DG10 code on your license, you can expect DG10 insurance premiums to be higher. An insurance provider will make an assessment based on age, experience, convictions, geographical location, and any other relevant factors, before offering you DG10 insurance. It is important to note that if you have a DG10 conviction, you must then have specific DG10 insurance. Purchasing DG10 insurance potentially carries with it an increase in premium prices of up to 78%. Some providers may even reject your application entirely.

 DR10 insurance - A DR10 code is applied for the act of driving (or attempting to drive), with an alcohol level above the legal limit. Penalty points of between 3-11 are then applied, which will remain on a driving license for 11 years (from the date of conviction). DR10 insurance is mandatory if you have been convicted of driving under influence of alcohol. If you are given a DR10 conviction your premiums for DR10 insurance will be higher than they are with standard insurance. However, there are ways you can keep your premiums as low as possible, for example by shopping around with various providers, opting for a higher excess amount, installing equipment that logs driving behaviour, and by not installing modifications to your vehicle.

 IN10 insurance - An IN10 endorsement code is usually issued for the offence of driving an uninsured vehicle. Penalty points of between 6-8 are then applied, which will remain on a driving license for 4 years (from the date of conviction). Although you may not necessarily be driving dangerously, the act of driving without insurance deems you as a ‘high risk’ customer by insurance providers. As with the other penalty codes listed above, you’ll need specific insurance for the offence committed. In this case you would require IN10 insurance.

 TT99 insurance - A TT99 endorsement code (also known as a ‘totting-up ban’), is usually issued to a driver

that has incurred 12 points or more on their license over a period of three years. The driver may have also been disqualified from driving. This endorsement code stays on your records for 4 years from the date of conviction. Failure to inform insurance providers about any convictions that you have received is considered an illegal act. It will invalidate your car insurance and, if caught, you could end up with a driving ban. If you are looking for TT99 insurance at affordable prices, you should have a look at all the available different options on the market to you, so that you can find the best deal.

 Try Compare is here for you and can do much of the hard work on your behalf. We offer DG10 insurance, DR10 insurance, IN10 insurance and TT99 insurance at the best prices to you. We work with some of the top insurance brokers in the UK who can help you find quotes that are best suited to your particular circumstances.

 Contact us today to get yourself back on the road, legally and cost-effectively.

Source: https://insurance-companies-in-the-uk.blogspot.com/2020/08/helping-you-get-back-on-road.html

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What Do Drugs Do To Your Driving?

All drivers must surely be aware by now that drug driving is just as dangerous as drink driving and as such carries equally harsh penalties for those who are caught. There is still a substantial hard core of drivers who think they can get away with it. They convince themselves that there’s nothing wrong in what they are doing. However once you have a conviction for drug driving you’ll find that you need to look into obtaining drug driving insurance in order to continue driving legally. Read on to find out exactly what effect taking drugs has on your driving.

What do substances do to your brain?

Unlike alcohol different drugs have differing effects on the body and on the brain. Marijuana has the effect of slowing down your reaction time and coordination skills as well as skewing your ability to judge time and distance. Drugs like cocaine and methamphetamine on the other hand can cause you to become more aggressive and reckless and more likely to become involved in ‘road rage’ situations. Certain over the counter medications like antihistamines can cause drowsiness and slower reaction times whilst opiate-based prescription painkillers like Cocodamol or Tramadol can have the same effect. Combined with alcohol as drugs so often are it’s obvious that the results can be devastating for you, your passengers and anyone unfortunate enough to get in your way.

And what does it do to your driving

Any kind of drug that causes changes in the brain, or mind-altering effects, will change how you view your surroundings, how you react to any hazards you encounter, and ultimately how you drive. Studies have shown that when you take marijuana or sedative type drugs like benzodiazepines your perception of the road around you slows down and you are more likely to be seen weaving all over the road. Users of cocaine or ‘speed’ are more likely to drive at excessive speeds. Either way, this kind of driving is guaranteed to draw the attention of any passing road traffic police and more likely than not result in you getting a DG10 endorsement on your driving license.

If you are an occasional drug user, on medication for example, the wisest thing is to take steps to avoid driving whilst under the influence. Arrange for taxis and rides home with a designated driver from parties and nights out. That way you’ll avoid the possibility of crashing and you’ll save your driving license. If you are unlucky enough to have a DG10 conviction then speak to someone about arranging DG10 insurance cover.

The post What Do Drugs Do To Your Driving? appeared first on convictioninsure.co.uk.

from convictioninsure.co.uk https://www.convictioninsure.co.uk/what-do-drugs-do-to-your-driving

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Try comparing quotes with Try Compare

Drivers convicted of driving (or attempting to drive) under the influence of drugs / alcohol, or above the specified limit, will receive a DG10 or DR10 endorsement on their driving licence. To insure a driver with a DG10 or DR10 endorsement poses a larger risk to an insurance company. Some may entirely refuse to issue quotes to such drivers, whilst others may provide specific DG10 insurance or DR10 insurance but with a significant increase in premium cost (potentially as much as 78% more). For drivers with such convictions, It can be a real challenge to find affordable car insurance. 

Obviously driving under the influence of drugs is a very dangerous activity, not only for the driver but also for any passengers and other road users. The punishment for doing so and being convicted of such an offence can result in a DG10 endorsement being held on your licence for four years from the date of conviction. Depending on the circumstances of the offence, there could also be an additional 3-11 penalty points added to the licence. 

Similarly, the penalty for driving (or attempting to drive) over the legal alcohol limit can lead to a DR10 endorsement on your licence for 11 years from the date of conviction. A driver may then face an additional 3-11 penalty points added to their licence, based upon circumstances at the time of offence. When a licence accrues more than 12 points within a period of three years, the driver is then automatically banned from driving. 

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At Try Compare, we provide competitive quotes that include both DG10 insurance and DR10 insurance policies. Our quotes are tailored to your specific details, circumstance and situation. It is generally assumed that finding DG10 insurance or DR10 insurance policies will be more difficult than insurance policies without endorsements. With Try Compare we’ll quote you affordable DG10 insurance and DR10 insurance, quickly and easily. You will likely be surprised at how many insurers can offer you a competitive premium quote through us. 

As with DG10 and DR10 endorsements, we also have specialist car insurance named TT99 insurance, for drivers who have had a previous driving ban. A TT99 offence code is applied to the license of a driver who reaches 12 or more penalty points within three years. In the case of a new driver, this is reduced to six or more penalty points within two years of passing their test. Once a TT99 endorsement is applied, the driver must then reapply for a new licence. 

Finding TT99 insurance after being subject to a driving ban can be difficult and very expensive. Being banned from driving is a serious punishment and insurers will classify such a driver as high risk. In turn insurance companies will either expect you to pay a significantly higher premium, or refuse you cover altogether.

Sources: https://insurance-companies-in-the-uk.blogspot.com/2020/06/try-comparing-quotes-with-try-compare.html

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How Long Does a Conviction Stay on my Driving Record?

For those who fall foul of the law and suddenly find themselves with a conviction and endorsement of any kind on their driving license it can come as quite a shock when you find out just how long some stay on your record.

An endorsement starts from either the date you committed the offence or the date you were convicted of the offence and can stay on your driving license for 4 or 11 years depending on what you were convicted of.

Examples of offence codes and their endorsement periods

If you receive a DD40, DD60 or DD80 endorsement on your license, which depicts an offence of reckless or dangerous driving and if it results in you being disqualified from driving, this will stay on your license for 4 years from the date of conviction. Other offences include:

BA10, BA30 – disqualification

SP10, SP20, SP30, SP40, SP50 – speeding

IN10 – driving without insurance

AC10, AC20, AC30 – accident offences

CD10, CD20, CD30, CD40, CD50, CD60, CD70, CD80, CD90 – careless driving

All of the above and others including license offences, motorway offences and theft/unauthorised taking offences all attract endorsements which will stay on your license for 4 years.

Serious infringements

More serious offences such as drink driving attract anything between 3 – 11 points on your license and the endorsement codes DR10, DR20, DR30, DR31 and DR61 will stay on your license for 11 years. Codes DR40 and DR90 will stay on for 4 years. Drug driving offence codes DG10, DG60 and DG80 will also stay on for 11 years whilst DG40 will remain on for 4 years. The offences of causing death by dangerous driving while under the influence of drink or drugs – CD40, CD50, CD60 – or causing death by dangerous driving and failing to provide a sample for analysis – CD70 – also stays on for 11 years.

If you receive a driving ban for any offence or you have 12 or more penalty points on your license this can last anything from 6 to 24 months or up to 3 years for drink driving (if you are convicted twice within 3 years).

The consequences of having endorsements on your driving record can have far-reaching effects, not least the damage it will do to your motor insurance premiums which will likely increase by a significant amount and some insurers may refuse to insure you.

Luckily a specialist in convicted driver car insurance will be able to help should you find yourself in this unfortunate position.

The post How Long Does a Conviction Stay on my Driving Record? appeared first on convictioninsure.co.uk.

from convictioninsure.co.uk https://www.convictioninsure.co.uk/how-long-does-a-conviction-stay-on-my-driving-record