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Drink Driving InsuranceMichael Tribe


DRINK DRIVING INSURANCE

Could you Save Money when you Compare Drink Driving Insurance Quotes?

 * Cheap Drink Driving Insurance Quotes

 * Flexible & Pay Monthly Schemes

 * Compare Several Specialist UK Brokers

Get a Quick Quote
0330 174 9601



WHAT IS DRINK DRIVING INSURANCE?

Drink driving insurance is a specialist form of policy that takes into
consideration drivers who have a DR code in relation to drink driving offences.
Those who have been caught drink driving will have a conviction code such as a
DR10 and will have drink driving bans.

If you have a DR conviction code on your licence, it means you will have been
caught with over 35 micrograms of alcohol per 100 millilitres of breath.

Policies are versatile but found through more niche insurance providers who are
often not on price comparison services.


COMPARE DRINK DRIVERS INSURANCE QUOTES



We know how difficult comparing policies can be. That’s why our trained team are
here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

Get a Quick Quote
0330 174 9601



What our Comparison Expert Says

‘Been caught drink driving? Don’t worry, the specialist brokers we work with are
experienced in finding drivers insurance who have been caught over the limit.
They will look at your overall driving history and find you a quote that is
right for you at the right price!’

- Michael Tribe


HOW OUR PROCESS WORKS

We’ve worked hard to refine our process and keep it as quick, easy and simple as
possible for our customers.



COMPLETE OUR QUICK QUOTE FORM



Provide us with a small amount of information on our quick and easy form. If you
don’t want to fill out our form, simply give us a call instead and 1 of our
agents will do it for you!

SPECIALIST BROKERS ARE COMPARED



We look at your individual needs and find you brokers who can save you the most
and offer you the best value for money.

YOU RECEIVE DRINK DRIVING INSURANCE QUOTES



You’ll receive multiple quotes tailored specifically to your own insurance
needs.

YOU SAVE MONEY



Once you have all the quotes you’d like, you pick the right policy for you at
the best price.


Get a Quick Quote


WHAT’S COVERED BY CAR INSURANCE FOR DRINK DRIVERS?

Your drink driving car insurance quotes and include and insure the same things
as standard car insurance.


WINDSCREEN COVER



If your windscreen receives a chip or requires complete replacement. Windscreen
cover is there to cover the cost of such repairs.


BREAKDOWN & RECOVER



Should you breakdown at the side of the road, you will need a plan to get going
again. Having breakdown and recovery insurance can better insure that you keep
moving when you need it most.


COURTESY CAR COVER



Courtesy car cover is there to provide you with an alternative vehicle in the
event yours is not useable.


NO CLAIMS DISCOUNT COVER



Even though you will have a major conviction on your drivers licence, if you did
not have a crash, you will still have a no claims record that you may wish to
protect.


MOTOR LEGAL PROTECTION



Motor legal protection is an insurance cover that pays for your legal fees in
the event you are involved in a claim and it goes to court.


WRONG FUEL COVER



No one intentionally puts the wrong fuel in their car. If they do though, wrong
fuel cover is there to help recover you and sort the problem out.




CAN I GET CAR INSURANCE WITH A DRINK DRIVING CONVICTION?

There are plenty of options for drink driver insurance, but you should be aware
that they may have specific terms, higher premiums and exclusions.

Having a drink driving conviction on your record can impact how simple it is to
get insurance on your vehicle, but it doesn’t necessarily make it impossible.

When considering your personal vehicle insurance you should also think about
things like HGV insurance, courier insurance and taxi insurance if you drive for
work. You will also need to make your employer aware of this if it needs to be
specified on the company fleet policy.


DRINK DRIVING IN THE UK

Drink driving is a huge problem in the UK, with almost a fifth of fatalities on
UK roads being caused by people driving under-the-influence.

Despite these worrying statistics and the many Government campaigns educating
drivers on the danger of drink driving, 5% of drivers still admit to drink
driving at least once. This may sound small but there are 50,000,000 registered
drivers in the UK and if 1 in 20 are drink driving, this is a huge problem.

With these statistics in mind, it’s not too surprising that one of the most
common hurdles for those struggling to insure their vehicles is having a
previous drink driving conviction on their record. This can make it more
difficult to correctly insure a vehicle, and often there is a lot of work to be
done with an insurance broker or comparison site to find a policy that works.


UNDERSTANDING THE LAW FOR DRINK DRIVING

The law does allow for a small amount of alcohol to be present but it is only a
very low level. It is always the safest policy to not drink at all if you intend
to drive. However, below are the conviction codes that make up a drink drive
conviction.

If you have different codes to those below, you may want to checkout our
convicted driver insurance page.

These drink driving convictions codes are:

 * DR10 – Driving or attempting to drive with alcohol above the limit
 * DR20 – Driving or attempting to drive while unfit through drink
 * DR30 – Driving or attempting to drive and refusing or failing to supply a
   specimen
 * DR40 – In charge of vehicle with an alcohol level above the limit
 * DR50 – In charge of vehicle while unfit through drink or drugs
 * DR60 – Failure to provide a specimen for analysis other than driving
 * DR70 – Failure to provide a specimen for a breath test


HOW TO REDUCE INSURANCE COST IF YOU HAVE A DRINK DRIVING CONVICTION

Being caught drink driving could pose you as a higher risk driver, that said,
your driving record generally is still taken into account. Things like your
years experience in driving all have an impact.

However, there are a few things you can do to reduce these insurance costs if
they are high. Depending on your conviction code, these actions may change which
policies are available.


ATTEND A DRINK DRIVING REHABILITATION COURSE



For convictions over 12 months, the court can offer an opportunity to take a
course. These courses are designed to educate drivers convicted of drink driving
with the aim of them avoiding future offences. There is a cost for this course
that is usually in the region of £250. These courses can reduce the length of
your ban and lower the cost of future insurance policies.


INCREASE YOUR EXCESS


Increasing your voluntary excess can help to lower premiums. You should be
careful that this excess remains affordable otherwise you could face difficulty
if you ever need to make a claim.


FIT A BLACK BOX



A telematics box or black box is popular for younger drivers who often face
higher premiums. These boxes allow insurers to set curfews, monitor speeds and
driving in general. This data is sent back to the insurer and can reduce the
cost of premiums if the driving is found to be safe. The same rules can apply to
those convicted of drink driving.


CONSIDER VEHICLE OPTIONS



Some vehicles will sit in lower insurance bands than others. Having a drink
driving conviction can impact how affordable these policies are if they sit in
higher bands. Choosing a car in a lower band, opting for a model with better
security features, or even reducing your annual mileage can make a big
difference to the premium you pay for drink driver insurance.


COMPARE INSURANCE BROKERS



It can be hard to identify which insurers are best without seeking out
specialists. You can easily compare drink driving insurance policies or speak to
a broker who can help you understand your options.




FREQUENTLY ASKED QUESTIONS


HOW LONG DO I NEED TO DECLARE A DRINK DRIVING CONVICTION FOR?

A drink driving conviction needs to be declared for 5 full years. After this
period, it can be declared as ‘spent’. The conviction will remain on your record
for 11 years.



Insurers cannot use a conviction older than 5 years to increase the premiums on
your policy. After this 5 year period you will be able to access “normal”
insurance policies without the heightened premiums. Insurers may still ask you
about your convictions but it cannot be used to increase costs.

You should always read the small print on insurance policies as some insurers
may insert clauses to cover themselves in the case of drink drivers who still
have recorded convictions.


HOW DOES A DRINK DRIVING CONVICTION IMPACT COST?

Drink driver insurance policies are almost always more expensive than standard
policies, even more so if you are searching for insurance following a second
offence.

The best way to find a policy that is both affordable and provides the cover you
need is to look via a broker or comparison site. Your existing insurer may still
be willing to insure you but in most cases, premiums will be higher – even
double in some scenarios.


DO I NEED TO TELL MY INSURER ABOUT A DRINK DRIVING CONVICTION?

Yes. You need to make your insurer aware of any changes. This includes any
convictions, bans, penalty points and even minor things like changing address.
Failing to inform your insurer of these changes can void your policy and mean
you aren’t properly covered should you need it.


DOES DRINK DRIVING MAKE MY INSURANCE INVALID?

Accidents caused by drink driving or whilst under the influence can alter your
cover. Some policies state that only third party costs are covered in the event
of drink driving. Your policy provider may even try to recoup these costs from
you and you could end up footing the bill for your own damages and any caused.
This can also include payment for injury.


CAN I GET CHEAP DRINK DRIVERS INSURANCE?

It is unrealistic for those caught drink driving to expect to get a really cheap
policy straight away. Even more so if it is a second offence. What we can do
those is compare specialist providers who will work hard to reduce your costs.

We help you find the specialist insurance brokers that you need in order to get
sensible insurance premiums.

If you are desperate to get a cheap drink drivers insurance quote. You should
take part in rehabilitation courses and working hard to not gain any penalty
points. Your registered office will be able to help you find these courses.


RELATED INSURANCE

Drink Driving

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Banned Driver

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Convicted Van

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DR10

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DG10

Go to page

TT99

Go to page
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Last reviewed: 16/01/2024

Reviewed by: Michael Tribe

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