At City Insurance we provide competitive insurance for drivers recently involved in accidents or with motoring or criminal convictions.
Cover we provide cover for includes; drink driving, drug driving, driving without insurance, speeding bans, plus much more. Whatever your driving history, we are confident of finding you a competitive quote.
Any drink driving conviction can be covered and we will use our years of experience to tailor your policy to reduce your costs.
Below is a guide explaining the most common offences.
Common Drink Driving Offences
The following drink driving offences relate to drink driving offences in England and Wales. If you are convicted of the following offences, points will stay on your licence for 11 years. In most cases you will receive a fine and driving licence disqualification for a minimum of 1 year.
| Code | Offence | Penalty Points |
| DR10 | Driving or attempting to drive with alcohol level above limit | 3-11 |
| DR20 | Driving or attempting to drive while unfit through drink | 3-11 |
| DR30 | Driving or attempting to drive then failing to supply a specimen for analysis | 3-11 |
If you are convicted of a DR40 or DR50, it could stay on your licence for up to 4 years. If you avoid a driving van, you will be given 10 points on your licence instead. Alongside either, you can expect a fine, up to 3 month imprisonment, or a community order.
A DR60 conviction could also result in either a ban or 10 points on your licence. If you are convicted of a DR70 offence then you will face a fine of up to £1,000 and will incur 4 points on your driving licence.
| Code | Offence | Penalty Points |
| DR40 | In charge of a vehicle while alcohol level above limit | 10 |
| DR50 | In charge of a vehicle while unfit through drink | 10 |
| DR60 | Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive | 10 |
| DR70 | Failing to provide a specimen for breath test | 4 |
Common Speeding Offences
| Code | Offence | Penalty Points |
| SP10 | Exceeding goods vehicle speed limits | 3-6 |
| SP20 | Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles) | 3-6 |
| SP30 | Exceeding statutory speed limit on a public road | 3-6 |
| SP40 | Exceeding passenger vehicle speed limit | 3-6 |
| SP50 | Exceeding speed limit on a motorway | 3-6 |
Common Drug Driving Offences
The following drug driving offences relate to drug driving offences in England and Wales. In 2015 new laws were introduced and some offences now result in a prison sentence.
The below table provides an overview of the most common offences we cover.
| Code | Offence | Penalty Points |
| DG10 | Driving or attempting to drive with drug level above the specified limit | 3-11 |
| DG60 | Causing death by careless driving with drug level above the limit | 3-11 |
| DG80 | Driving or attempting to drive when unfit through drugs | 3-11 |
| DG40 | In charge of a vehicle while drug level above specified limit | 10 |
| DG90 | In charge of a vehicle when unfit through drugs | 10 |
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