Drink Driving Insurance DR10 - Cheap Car Insurance for Convicted Drivers
Some insurance companies specialise in offering competitive drink driving DR10 insurance policies for those with DR10 drink driving convictions. Providing cheap drink driving DR10 & convicted driver insurance for convicted drivers.
Compare DR10 Convicted Driver Insurance Prices
It pays to shop around for car insurance, especially when you are a drink driver convicted of a motoring offence such as drink driving, DR10. The difference between prices from one insurance company to another can be vast, literally hundreds of pounds!
Convicted driver insurance policies can vary in price depending on how you obtain your quote. If you obtain an insurance quote from an insurance broker or price comparison web site, the price you are quoted will usually be different from the price you are quoted if you obtained a quote from an insurance company directly. It pays to shop around and compare convicted driver insurance quotes.
The insurance comparison engine we use allows convicted drivers to obtain insurance quotes from multiple insurance companies who specialise in providing non-standard, high risk insurance policies for convicted drivers.
Cheap Convicted Drink Driver Insurance Quotes
All drivers who have been convicted of drink driving will encounter significantly higher car insurance prices compared to what they were previously paying. Some insurance companies will not even insure drivers with a drink driving conviction! The bad news is this is unavoidable. The good news is many insurance companies specialise in providing cover for drivers with convictions and it may not actually cost as much as you think to insure a car if you are a convicted drink driver with an endorsement on your driving licence.
Some motor car insurance companies offer specialist convicted drivers insurance policies. These insurance policies will help keep your premiums low despite a drink driving conviction. Many insurance companies also recognise and take into account the completion of The Drink Driving Rehabilitation Course. Completing this course can reduce your premiums even further, along with decreasing the length of your driving ban by up to twenty five percent.
Research has shown that many drink drivers learn from past mistakes and the chances of re-offending are often slim. Only around 12% of offenders are convicted of a second offence within 10 years.
Tips to reduce the cost of your car insurance
As well as attending the drink driving rehabilitation course here are a few more tips to help you decrease your car insurance premiums:
- Buy your insurance online. It may be cheaper to buy your insurance policy online rather than going through a call centre and many companies offer discounts for doing so.
- Accept a higher voluntary excess. Virtually all car insurance companies will require you pay a minimum voluntary excess, this is the amount you pay towards the cost of any claim made on your insurance policy. The higher this is, the less your insurance premium will be.
- Limit the policy to cover to only specific named drivers as opposed to allowing anyone to drive the insured car with your permission.
- Try to lower your annual mileage. The less you drive, the less likely you are to be involved in an accident.
- Increase vehicle security. Motor vehicles available in the UK market are assessed by the insurance industry's research centre Thatcham to establish the level of standard fit security. Owners of vehicles that are fitted with security systems that meet the Thatcham criteria may well benefit from reduced premiums. Older cars may also benefit if subsequently fitted with a security system that meets the criteria.
- Keep your car in a secure location such as a garage or driveway when not in use.
Adding a responsible driver to the policy who has a good clean driving record with no convictions or claims could also help to keep premiums low, especially if the driver in question will drive the car quite a lot in which case it may work out even cheaper if they were on the policy as the main driver.
Another factor to consider is the insurance group rating of your car. All cars are listed under a particular insurance group. The greater the cost of a car to repair and the greater the engine size & speed of a car usually means it will fall into a higher insurance group rating. The higher the insurance group rating, the higher the insurance premium will be. The reverse is also true.
Consider getting a car with a low insurance group rating when you first take to the roads after a driving ban, this will help reduce your premium until your driving record improves again (this will usually be five years after any driving conviction/offence).
Types of car insurance policy
There are two main types of car insurance cover. Fully comprehensive and third party.
Comprehensive car insurance policies usually cover:
- Liabilities for injuries to other people including passengers and liability for damage to other peoples property
- Liability of accidents caused by passengers
- Liability from using a caravan or trailer attached to the car
- Fire damage and/or theft
- Accidental damage to your own car
- Medical expenses incurred due to an accident up to a stated limit
- Loss of or damage to personal effects in the car, up to a stated limit
Third party insurance policies usually cover:
- Liability for injuries to other people including passengers
- Liability for damages to other peoples property
- Liability of accidents caused by passengers
- Liability from using a caravan or trailer attached to the car
Third party fire and theft car insurance policies are generally the same as third party policies but with the added protection of covering the vehicle for fire and theft.
Some insurance companies will not provide comprehensive policies to drivers with a drink driving conviction. Most people will opt to go for third party insurance policies anyway in a bid to keep costs down.
MOTORING OFFENCES (DRIVING CONVICTION CODES)
Drink driving is not the only motoring offence that can increase the cost of insurance premiums. Convicted drivers who have any of the following endorsements on their driving licence could also face increased costs for car insurance:
|Accident Offences (remain on driving licence 4 years from date of offence)|
|AC10||Failing to stop and/or give particulars after an accident||5 - 10 points|
|AC20||Failing to give particulars or report accident within 24 hrs||5 - 10 points|
|AC30||Undefined accident offences||4 - 9 points|
|Disqualified Driver (remain on driving licence 4 years from date of offence)|
|BA10||Driving while disqualified by order of the court||6 points|
|BA30||Attempting to drive while disqualified by order of court||6 points|
|Careless Driving (remain on driving licence 4 years from date of offence)|
|CD10||Driving without due care and attention||3 - 9 points|
|CD20||Driving without reasonable consideration for other road users||3 - 9 points|
|CD30||Driving without due care and attention or without reasonable consideration for other road users||3 - 9 points|
|Careless Driving ([CD40 - 70] remain on driving licence 11 years from date of conviction)|
|CD40||Causing death through careless driving when unfit through drink||3 - 11 points|
|CD50||Causing death by careless driving when unfit through drugs||3 - 11 points|
|CD60||Causing death by careless driving with alcohol level above the limit||3 - 11 points|
|CD70||Causing death by careless driving then failing to supply a specimen for analysis||3 - 11 points|
|Careless Driving ([CD80 - 90] remain on driving licence 4 years from date of conviction)|
|CD80||Causing death by careless, or inconsiderate driving||3 - 11 points|
|CD90||Causing death by driving: unlicensed, disqualified or uninsured drivers||3 - 11 points|
|Construction & Use Offences (remain on driving licence 4 years from date of offence)|
|CU10||Using a vehicle with defective brakes||3 points|
|CU20||Causing or likely to cause danger by reason of use of unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, steering or tyres) in a dangerous condition||3 points|
|CU30||Using a vehicle with defective tyre(s)||3 points|
|CU40||Using a vehicle with defective steering||3 points|
|CU50||Causing or likely to cause danger by reason of load or passengers||3 points|
|CU80||Using a mobile phone while driving a motor vehicle||3 points|
|Reckless/Dangerous Driving (remain on driving licence 4 years from date of conviction)|
|DD10||Causing serious injury by dangerous driving||3 - 11 points|
|DD40||Dangerous driving||3 - 11 points|
|DD60||Manslaughter or culpable homicide while driving a vehicle||3 - 11 points|
|DD80||Causing death by dangerous driving||3 - 11 points|
|DD90||Furious driving||3 - 9 points|
|Drink or Drug Offences (remain on driving licence 11 years from date of conviction)|
|DR10||Driving or attempting to drive with alcohol level above limit||3 - 11 points|
|DR20||Driving or attempting to drive while unfit through drink||3 - 11 points|
|DR30||Driving or attempting to drive then failing to supply a specimen for analysis||3 - 11 points|
|Drink or Drug Offences ([DR40-70 remain on driving licence 4 years from date of offence)|
|DR40||In charge of a vehicle while alcohol level above limit||10 points|
|DR50||In charge of a vehicle while unfit through drink||10 points|
|DR60||Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive||10 points|
|DR70||Failing to provide a preliminary roadside specimen of breath||4 points|
|Drink or Drug Offences ([DR80] remain on driving licence 11 years from date of conviction)|
|DR80||Driving or attempting to drive when unfit through drugs||3 - 11 points|
|Drink or Drug Offences ([DR90] remain on driving licence 4 years from date of offence)|
|DR90||In charge of a vehicle when unfit through drugs||10 points|
|Insurance Offences (remain on driving licence 4 years from date of offence)|
|IN10||Using a vehicle uninsured against third party risks||6 - 8 points|
|Driving Licence Offences (remain on driving licence 4 years from date of offence)|
|LC20||Driving otherwise than in accordance with a licence||3 - 6 points|
|LC30||Driving after making a false declaration about fitness when applying for a licence||3 - 6 points|
|LC40||Driving a vehicle having failed to notify a disability||3 - 6 points|
|LC50||Driving after a licence has been revoked or refused on medical grounds||3 - 6 points|
|Miscellaneous Offences (remain on driving licence 4 years from date of offence)|
|MS10||Leaving a vehicle in a dangerous position||3 points|
|MS20||Unlawful pillion riding||3 points|
|MS30||Play street offences||2 points|
|MS50||Motor racing on the highway||3 - 11 points|
|MS60||Offences not covered by other codes||3 points|
|MS70||Driving with uncorrected defective eyesight||3 points|
|MS80||Refusing to submit to an eyesight test||3 points|
|MS90||Failure to give information as to identity of driver etc.||6 points|
|Motorway Offences (remain on driving licence 4 years from date of offence)|
|MW10||Contravention of special roads regulations (excluding speed limits)||3 points|
|Pedestrian Crossing Offences (remain on driving licence 4 years from date of offence)|
|PC10||Undefined contravention of pedestrian crossing regulations||3 points|
|PC20||Contravention of pedestrian crossing regulations with moving vehicle||3 points|
|PC30||Contravention of pedestrian crossing regulations with stationary vehicle||3 points|
|Speeding Offences (remain on driving licence 4 years from date of offence)|
|SP10||Exceeding goods vehicle speed limits||3 - 6 points|
|SP20||Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)||3 - 6 points|
|SP30||Exceeding statutory speed limit on a public road||3 - 6 points|
|SP40||Exceeding passenger vehicle speed limit||3 - 6 points|
|SP50||Exceeding speed limit on a motorway||3 - 6 points|
|Traffic Direction & Signs (remain on driving licence 4 years from date of offence)|
|TS10||Failing to comply with traffic light signals||3 points|
|TS20||Failing to comply with double white lines||3 points|
|TS30||Failing to comply with 'Stop' sign||3 points|
|TS40||Failing to comply with direction of a constable/warden||3 points|
|TS50||Failing to comply with traffic sign (excluding 'stop' signs, traffic lights or double white lines)||3 points|
|TS60||Failing to comply with a school crossing patrol sign||3 points|
|TS70||Undefined failure to comply with a traffic direction sign||3 points|
|Theft of vehicle (remain on driving licence 4 years from date of offence)|
|UT50||Aggravated taking of a vehicle||3 - 11 points|
|Totting up Ban (remain on driving licence 4 years from date of conviction)|
|TT99||To signify a disqualification under 'totting-up' procedure. If the total of penalty points reaches 12 or more within three years, the driver is liable to be disqualified||Disqualification or additional points for relevant offence|
FSA - Financial Services Authority - The Financial Services Authority regulates the financial services industry in the UK, including motor insurance companies.
Motor Insurers' Bureau - The MIB provides compensation to people who are unable to pursue a valid claim against another driver following a road traffic accident because the other party is either a) not insured b) not known/traceable or c) was insured by an insurance company who is now in liquidation.
Financial Ombudsman - The financial ombudsman were set up by Parliament in order to help settle any complaints or disputes between consumers and businesses that provide financial services (insurance companies) free of charge.
If I have an accident and I was over the drink drive limit will my motor car insurance be invalid and void?
Many people are under the false impression that if they have an accident while over the legal drink drive limit their car insurance policy will become completely invalid and void. This is untrue.
All insurance companies are obligated to cover the costs incurred to any third parties that the insured is liable for under the The Road Traffic Act 1988, regardless of whether the insured was over the legal limit or not.
An insurance policy may have a drink and drugs clause whereby in the event of any claim the insured was convicted of an offence relating to drink or drugs their fully comprehensive status will be invalid (not the entire policy). This means they cant claim for any loss or damage incurred to themselves. However, a third party can still claim off a drink drivers insurance policy for any loss or damage incurred to them. The clause usually also states that the insurance company reserve the right to recover the cost of the settlement of any such claim off the insured. However in practice this right is not always exercised as it is simply not cost effective.
I was disqualified from driving after being convicted of drink driving, will my no claims bonus / discount still be valid?
Whether or not your no claims discount will still be valid depends on the insurance company and how long you were disqualified from driving for.
The majority of insurance companies will accept proof of any no claims discount as long as your previous insurance policy expired less than 2 years ago and your NCB/NCD is less than 2 years old.
Some insurance companies may only accept proof of any no claims discount if it is less than 12 months old and some may accept proof of any no claims discount up to 3 years old.
Will I be able to Find car insurance if I have a drink driving conviction?
Yes. Some insurance companies will not insure drivers who have a drink driving conviction. However a lot of insurance companies do and some insurance companies actually specialise in providing car insurance to people who have been convicted of drink driving and other motoring offences. You can compare insurance quotes for convicted drink drivers here.
Will I have to pay a lot of money to purchase car insurance if I have a drink driving conviction?
Drivers who have been convicted of drink driving and other motoring offences will typically find their insurance premiums will rise. How much money insurance premiums will rise by exactly will depend on numerous factors.
Insurance companies use a method known as 'Risk Selection and Analysis Criteria' in order to help determine exactly how much an insurance policy will cost. This criteria commonly includes:
- The level of cover: Comprehensive, third party fire and theft or third party only. The more an insurance policy covers, the more it will usually cost
- Voluntary restrictions: Insurance premium discounts may be obtained by voluntarily restricting the insurance policy to cover named drivers only such as the insured only or the insured and their spouse only. Insurance premium discounts can also be obtained by voluntarily agreeing to pay the first part of any claim that is made on the policy. This is known as the voluntary excess.
- Address of the insured: Detailed analysis of geographical areas allows insurance companies to take into account the area where the insured party lives and where the vehicle will be kept. Insurance companies will look at the claims frequency, claims type and claims cost within a particular area based on postcode. If a vehicle is kept in an area deemed as high risk this will usually be reflected in the price of any insurance policy taken out in that area. Insurance companies may impose additional requirements if a vehicle is kept in a particularly high risk area. These requirements may consist of additional premiums, additional security on the vehicle, a higher compulsory excess or the removal of theft cover from the vehicle altogether.
- Age of the insured: Young drivers with little driving experience statistically have a greater chance of being involved in an accident resulting in a claim than a more mature driver who is more experienced
- Driving record: A driver who has been involved in no accidents, made no claims and has no motoring convictions will be deemed a lower risk than a driver who has been involved in an accident and/or has one or more motoring convictions. Drivers with less than perfect driving records will typically see an increase in their insurance premiums. Exactly how much increase will depend on the insurance company calculating the premium and the frequency and severity of any claims and/or convictions, the type of conviction will also be taken into account.
- Vehicle details: The insurance group rating of individual vehicles will be taken into account. The insurance group rating of a particular vehicle will depend on factors such as its value, engine size and power (bhp), performance and security. The cost and availability of spare parts and how long it takes to repair will also be taken into account when determining what insurance group a particular vehicle will be. Insurance groups range form 1 - 50, the lower the insurance group a vehicle belongs too, the lower the insurance premium will be. You can find which insurance group a particular vehicle belongs to by its make and model here.
- Vehicle use: There are various ways a vehicle can be used and its usage can affect the price a driver will pay for an insurance policy. There are four common types of use for private vehicles:
- Social domestic and pleasure (SD&P): SD&P can be extended to include commuting to and from a place of work.
- Class 1: This covers personal business use by the insured but does not include commercial travelling and motor trade use.
- Class 2: This level of cover is the same as class 1 but allows other drivers to use the vehicle as well as the insured.
- Class 3: This level of cover is the same as class 2 but it does include using the vehicle for commercial travel.
Other factors that insurance companies can take into account when calculating the cost of insurance are the drivers marital status, occupation, type of driving licence and medical status alongside the distance the vehicle insured will be driven per year (annual mileage).
Drinkdriving.org allows convicted drivers to compare insurance quotes from a panel of non-standard insurance companies who specialise in insuring drivers with convictions.
How long will I have to pay increased car insurance premiums for if I have a drink drive conviction?
A driver will typically see an increase in the cost of insurance for at least 5 years. All insurance companies ask if a driver has any claims, convictions or endorsements in the last five years. A driver can safely answer no to this particular question if their drink drive conviction was more than five years ago and as a result the conviction will not be used when calculating the cost of the insurance policy.
Insurance contracts are issued on the basis of the utmost good faith of all parties involved. As long as neither party misleads the other and answers any and all questions accurately and fully then there will be no risk of the other party avoiding the contract.
Failure to disclose any material facts relating to the risk being proposed can result in any insurance policy taken out being voided by the insurer. A void contract of insurance means no contract of insurance exists at all and no claims will be payable by the insurer.
If any non-disclosure of material facts are classed as fraudulent misrepresentation or concealment, the insurance company may keep the insurance premium and sue for damages.
The duty of disclosure is revived at each renewal date of the insurance policy.