Drink Driving Insurance - DR10
DR10 Convicted Drink Drivers Car Insurance Quotes
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UP TO 22% ONLINE DISCOUNT
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PLUS 100% OFFSET OF YOUR CAR'S EMISSIONS
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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 all convicted drivers.
Compare DR10 Drink Driving 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! We have partnered with several leading convicted drivers insurance companies and brokers to bring you some of the best and cheapest deals possible for convicted driver insurance, deals you wont find anywhere else and prices you will struggle to match.
Drink driving insurance policies can also 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 the insurance company directly.
Cheap Drink Driving insurance quotes
convicted of drink driving?
Tips to reduce insurance cost | Types of insurance available
Other motoring offences that could affect insurance cost
All drivers who have been convicted of drink driving will encounter significantly higher car insurance prices than 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 those with convictions and it may not actually cost as much as you think to insure a car with a drink driving conviction 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:
- Shop around and get car insurance quotes from different insurance companies. We have partnered with several insurance companies who specialise in providing convicted drivers insurance and some who work alongside drink driving rehabilitation course providers. They negotiate prices with some of the biggest names in the insurance business to bring you some of the best prices possible for convicted drivers insurance.
- 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. Our dedicated convicted drivers insurance quoteline is probably one of the few exceptions.
- 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 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 thing 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 and speed of a car usually means it will fall into a higher insurance group rating meaning premiums will rise. 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.
Types of car insurance policy
There are two types of car insurance policies. 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 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.
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MOTORING OFFENCES
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:
| CODE |
DESCRIPTION |
ON LICENSE FOR |
| AC10 |
Failing to stop and/or give particulars after an accident |
4 years |
| AC20 |
Failing to give particulars or report accident within 24 hrs |
4 years |
| AC30 |
Undefined accident offences |
4 years |
| BA10 |
Driving while disqualified by order of the court |
4 years |
| BA30 |
Attempting to drive while disqualified by order of court |
4 years |
| CD10 |
Driving without due care and attention |
4 years |
| CD20 |
Driving without reasonable consideration for other road users |
4 years |
| CD30 |
Driving without due care and attention or without reasonable consideration for other road users |
4 years |
| CD40 |
Causing death through careless driving when unfit through drink |
11 years |
| CD50 |
Causing death by careless driving when unfit through drugs |
11 years |
| CD60 |
Causing death by careless driving with alcohol level above the limit |
11 years |
| CD70 |
Causing death by careless driving then failing to supply a specimen for analysis |
11 years |
| CD80 |
Causing death by careless, or inconsiderate driving |
4 years |
| CD90 |
Causing death by driving: unlicensed, disqualified or uninsured drivers |
4 years |
| CU10 |
Using a vehicle with defective brakes |
4 years |
| 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 |
4 years |
| CU30 |
Using a vehicle with defective tyre(s) |
4 years |
| CU40 |
Using a vehicle with defective steering |
4 years |
| CU50 |
Causing or likely to cause danger by reason of load or passengers |
4 years |
| CU80 |
Using a mobile phone while driving a motor vehicle |
4 years |
| DD40 |
Dangerous driving |
4 years |
| DD60 |
Manslaughter or culpable homicide while driving a vehicle |
4 years |
| DD80 |
Causing death by dangerous driving |
4 years |
| DD90 |
Furious driving |
4 years |
| DR10 |
Driving or attempting to drive with alcohol level above limit |
11 years |
| DR20 |
Driving or attempting to drive while unfit through drink |
11 years |
| DR30 |
Driving or attempting to drive then failing to supply a specimen for analysis |
11 years |
| DR40 |
In charge of a vehicle while alcohol level above limit |
4 years |
| DR50 |
In charge of a vehicle while unfit through drink |
4 years |
| DR60 |
Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive |
4 years |
| DR70 |
Failing to provide specimen for breath test |
4 years |
| DR80 |
Driving or attempting to drive when unfit through drugs |
11 years |
| DR90 |
In charge of a vehicle when unfit through drugs |
4 years |
| IN10 |
Using a vehicle uninsured against third party risks |
4 years |
| LC20 |
Driving otherwise than in accordance with a licence |
4 years |
| LC30 |
Driving after making a false declaration about fitness when applying for a licence |
4 years |
| LC40 |
Driving a vehicle having failed to notify a disability |
4 years |
| LC50 |
Driving after a licence has been revoked or refused on medical grounds |
4 years |
| MS10 |
Leaving a vehicle in a dangerous position |
4 years |
| MS20 |
Unlawful pillion riding |
4 years |
| MS30 |
Play street offences |
4 years |
| MS50 |
Motor racing on the highway |
4 years |
| MS60 |
Offences not covered by other codes |
4 years |
| MS70 |
Driving with uncorrected defective eyesight |
4 years |
| MS80 |
Refusing to submit to an eyesight test |
4 years |
| MS90 |
Failure to give information as to identity of driver etc |
4 years |
| MW10 |
Contravention of special roads regulations (excluding speed limits) |
4 years |
| PC10 |
Undefined contravention of pedestrian crossing regulations |
4 years |
| PC20 |
Contravention of pedestrian crossing regulations with moving vehicle |
4 years |
| PC30 |
Contravention of pedestrian crossing regulations with stationary vehicle |
4 years |
| SP10 |
Exceeding goods vehicle speed limits |
4 years |
| SP20 |
Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles) |
4 years |
| SP30 |
Exceeding statutory speed limit on a public road |
4 years |
| SP40 |
Exceeding passenger vehicle speed limit |
4 years |
| SP50 |
Exceeding speed limit on a motorway |
4 years |
| TS10 |
Failing to comply with traffic light signals |
4 years |
| TS20 |
Failing to comply with double white lines |
4 years |
| TS30 |
Failing to comply with 'Stop' sign |
4 years |
| TS40 |
Failing to comply with direction of a constable/warden |
4 years |
| TS50 |
Failing to comply with traffic sign (excluding 'stop' signs, traffic lights or double white lines) |
4 years |
| TS60 |
Failing to comply with a school crossing patrol sign |
4 years |
| TS70 |
Undefined failure to comply with a traffic direction sign |
4 years |
| 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 |
4 years |
| UT50 |
Aggravated taking of a vehicle |
4 years |
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Useful links:
Association of British Insurers
FSA - Financial Services Authority
If I have and accident and I was over the drink drive limit will my motor car insurance be invalid and void?
Will I be able to get car insurance if I have a drink driving conviction?
Will I have to pay a fortune to get car insurance if i have a drink drive conviction?
How long will I have to pay increased car insurance premiums for if I have a drink drive conviction?
If I have and accident and I was over the drink drive limit will my motor car insurance be invalid and void?
Many people are under the impression that if they have an accident while over the drink drive limit their car insurance policy will be completely invalid and void. This is untrue in most cases. However an insurance policy may have a clause whereby if a person was drink driving their fully comprehensive status will be invalid (not the entire policy). This means they cant claim for any loss or damage incurred to themselves. But a third party can still claim off a drink drivers insurance policy for any loss or damage incurred to them.
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Will I be able to get 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 even specialise in providing car insurance to people who have been convicted for drink driving and other motor offences.
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Will I have to pay a fortune to get car insurance if I have a drink driving conviction?
Obviously your insurance premium will a bit more than it was before you were convicted of drink driving. However some insurance companies specialise in providing competitive rates for those convicted of drink driving, so it may not be as much as you think! You can give our convicted driver insurance quoteline a call on 0800 081 0447 for some of the best prices possible for convicted drivers insurance.
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How long will I have to pay increased car insurance premiums for if I have a drink drive conviction?
All car insurance companies ask if you have any claims, convictions or endorsements in the last five years. You can safely answer no to this question if your drink drive conviction was more than five years ago and your drink drive conviction will not affect your insurance premium if this is the case.
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