Cheap car insurance for convicted drivers - Drink Driving Dr10

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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 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 the insurance company directly. It pays to shop around and compare convicted driver insurance quotes.

Cheap Convicted Driver insurance quotes

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 if you are a convicted driver 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:

• 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 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 (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:

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Useful links:

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 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 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.

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 rarely exercised as it is simply not cost effective.

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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 of drink driving and other motoring 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!

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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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