Understanding Driving Conviction Codes: DR10, IN10, TT99

Dealing with a driving conviction can be daunting, especially with all of the codes in use making things feel that much more complicated. Nevertheless, they are important, with codes like DR10, IN10, and TT99 directly influencing your insurance premiums and driving record.

Understanding driving conviction codes can help you find suitable insurance cover. Here’s a straightforward guide to some of the most common conviction codes and their implications:

What Are Driving Conviction Codes?

Driving conviction codes are shorthand labels used to classify motoring offences. Each code represents a specific offence, ranging from drink-driving to insurance violations. These codes stay on your driving record for a set period and significantly impact your ability to secure affordable insurance.

Below we explain some of the most common driving conviction codes and what they mean:

What Does DR10 Mean?

The DR10 code is assigned to ‘drink drivers’ – drivers caught driving (or attempting to drive) with an alcohol level above the legal limit. It is a serious offence that results in driving disqualification and subsequently, higher insurance premiums when a ban ends.

Key Details of a DR10 Conviction:

• • Remains on your record for 11 years.
  • Carries a minimum driving ban of 12 months.
  • Significantly increases insurance costs.

What Is IN10?

IN10 refers to driving without valid insurance. This offence is often unintentional, stemming from lapses in cover, but it can also involve knowingly driving uninsured.

Key Details of an IN10 Conviction:

• • Remains on your record for 4 years.
  • Penalties include a £300 fine and 6 to 8 penalty points.
  • Makes securing affordable insurance more difficult.

Understanding TT99

The TT99 code is issued when a driver accumulates 12 or more penalty points within three years, typically leading to a driving ban under the “totting-up” system.

Key Details of a TT99 Conviction:

• • Stays on your record for 4 years.
  • Results in licence disqualification and higher insurance premiums.
  • Marks you as “high-risk” to insurers.

Other Common Conviction Codes

• • DR20: Driving under the influence of drugs.
  • CD10: Careless driving.
  • SP30: Speeding on a public road.
  • DG10: Driving under the influence of alcohol or drugs, causing death.

How Conviction Codes Affect Your Insurance

Insurance premiums are calculated by how much of a ‘risk’ the individual applying for cover is. Providers view drivers with conviction codes on their driving licence as high risk, resulting in higher premiums or restrictions. Convictions like DR10 and TT99 can make insurance costly, but not all providers handle convictions in the same way.

Driving conviction codes like DR10, IN10, and TT99 may seem intimidating, but understanding them is a crucial step towards moving forward. Recognising their impact on your record and insurance can help you make informed decisions.

More Information

Still haven’t found the information you’re looking for? Check out the UK Government’s full list of endorsement codes and penalty points, for full, comprehensive and up-to-date list of codes and penalty points.