Drink Driver Insurance

Looking for affordable insurance with a drink driving conviction?

• Insurance for drink drivers who were previously banned
• All drink driving convictions covered (DR10, DR20, DR30, DR40, DR50, DR60 & DR70)
• All levels of cover including third party, third party fire & theft and fully comprehensive
• Affordable insurance policies for drink drivers with flexible payment options
• Multiple quotes from several leading drink driving insurance companies

Insurance with a drink driving conviction

It can be difficult to find cheap car insurance with a drink driving conviction. Comparing quotes can help you find insurance with a drink driving conviction that wont break the bank.

Insurers class drink drivers as a high risk to insure and increase premiums to reflect this fact. However, the cost of insurance can vary greatly between different insurance companies.

You can save money by shopping around and obtaining quotes from different insurance providers, to find the best deal. Why pay more than you need to?

Compare drink driving insurance quotes

Fill out a short insurance quote form and you will receive quotes from specialist insurance companies who provide affordable insurance cover to drivers who have previously been banned from driving for committing offences such as drink driving.

Not all insurance companies appear on big brand comparison sites and many insurance companies often prefer to insure drivers with clean driving records, increasing the premiums for drivers with convictions considerably.

Find affordable insurance cover

Insurance companies that specialise in covering drivers with convictions can spread the higher risk across all policyholders with convictions, allowing them to offer more affordable policies to drivers with criminal or motoring convictions.

You will receive quotations from multiple insurers including those that specialise in covering drivers with convictions. These insurers can provide options that best meet your requirements. By submitting your details, you will be able to receive and compare a number of quotes to find the policy that suits you.

How long do I have to declare a drink driving conviction to insurers?

Usually, 5 years. After five years a drink driving endorsement will be classed as 'spent' under the Rehabilitation of Offenders Act 1974.

In rare cases, you may have to declare it longer than 5 years if you received a prison sentence of more than four years or you were disqualified from driving for more than 5 years.

The time period before a conviction is classed as 'spent' depends on the sentence and/or disposal imposed rather than the offence committed.

All rehabilitation periods are halved if under 18 years old when convicted.

Most convictions for driving with excess alcohol result in a fine, a driving disqualification of between 12 months and 3 years, and a driving licence endorsement.

The sentence or disposal with the longest rehabilitation period determines how long you must declare your convictions before they become spent.

While driving disqualifications become spent at the end of the disqualification period and fines after one year, any driving licence endorsement received for the same offence does not become spent for 5 years running from the date of conviction.

How much does insurance cost with a drink driving conviction?

The exact cost will vary greatly between different insurance companies and brokers. The cost will also depend on the level of cover required & your unique personal circumstances.

Convicted drink drivers are likely to see an increased cost for insurance for a period of five years following a drink driving conviction. You should shop around and get drink driving insurance quotes from different sources in order to find the best price.

Tips to reduce the cost of car insurance after a drink driving conviction

Many insurance companies recognise and take into account the completion of The Drink Driving Rehabilitation Course.

Complete the drink driving rehabilitation course; completing the course could see a reduction in insurance premiums and will decrease the length of your driving ban by up to twenty five percent.

As well as attending the drink driving rehabilitation course here are a few more tips to help you decrease your car insurance premiums:

• Compare quotes. It pays to shop around and compare quotes from different insurance companies.
• 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.
• 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)

Car insurance cover for all drink driving convictions

You can find competitively priced insurance cover for all drink-driving related convictions, including being in charge of a vehicle while over the legal limit, failure to provide a specimen for analysis, and driving while over the legal limit.

If you have any endorsements on your driving licence, including those listed below, you can get insurance quotes and find appropriate cover for your vehicle at a price that suits you.

Is you car insurance valid if you drink & drive?

All insurance policies include specific events, circumstances, or situations where cover is not provided for certain losses, damage, or liabilities.

These exclusions are typically outlined in the policy wording, often under sections titled 'General Exceptions' or 'Significant Exclusions'.

Driving under the influence of alcohol or drugs is a common exclusion in motor insurance policies. However, the presence of such an exclusion does not permit an insurer to simply void the policy entirely and treat the driver as though no insurance existed at the time of the incident.

Section 148 of The Road Traffic Act 1988 provides that certain insurance policy exclusions, including those relating to the age or physical or mental condition of a person driving the vehicle, are ineffective in relation to third-party liabilities that must be covered under Section 145 of The Road Traffic Act 1988.

In practical terms, this means that even where a policyholder has fully comprehensive cover, certain exclusions may still prevent the insurer from covering damage to the policyholder’s own vehicle or losses. In such circumstances, the policy may effectively operate as third-party cover only, as insurers remain legally required to meet third-party liabilities.

In these cases, insurers may seek to recover from the policyholder any sums paid to third parties. This may arise where the insurer was required by law to satisfy the claim, even though the loss would not otherwise have been covered under the policy, or where the policy contains an express right of recovery.

For this reason, it is advisable to read the terms and conditions of an insurance policy carefully, as doing so empowers policyholders with a clear understanding of the scope of cover and any applicable limitations or exclusions.