{"id":893,"date":"2020-08-29T14:09:33","date_gmt":"2020-08-29T13:09:33","guid":{"rendered":"https:\/\/www.drinkdriving.org\/info\/?p=893"},"modified":"2025-11-18T18:56:39","modified_gmt":"2025-11-18T18:56:39","slug":"is-your-insurance-invalid-if-you-drink-drive","status":"publish","type":"post","link":"https:\/\/www.drinkdriving.org\/info\/is-your-insurance-invalid-if-you-drink-drive\/","title":{"rendered":"Is your car insurance invalid if you drink & drive?"},"content":{"rendered":"\n<\/path><\/symbol><\/path><\/symbol><\/path><\/symbol><\/path><\/symbol><\/path><\/path><\/path><\/symbol><\/defs><\/svg>\n
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Compare Convicted Driver Insurance<\/strong><\/h1>\n\t
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OR CALL<\/div>\n\n\t\t<\/use><\/svg> 0800 081 0447<\/a><\/div>\n\n\t\t
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\"Road<\/p>\n

If you have an accident while driving above the legal limit,  your insurer is obligated under the Road Traffic Act<\/a> to pay out for the costs of claims by third parties.<\/p>\n

Be warned though, many insurance companies will then attempt to recover these costs from the policy holder<\/a>.<\/strong><\/p>\n

You generally wont be able to claim for any injuries you suffer or repairs to your own vehicle.<\/p>\n

This means if you have fully comprehensive insurance cover & you are involved in an accident while over the legal limit, your fully comprehensive insurance policy will effectively be downgraded to third party cover only.<\/p>\n

What your insurance policy does and does not cover will be laid out in your insurance policy document.<\/p>\n

Anything your insurance policy does not cover will usually be under ‘general exceptions’<\/em> or ‘significant exclusions’<\/em>.<\/p>\n

General Exceptions \/ Significant Exclusions<\/h2>\n

Drink driving may not be the only exclusion on your policy.<\/p>\n

Driving while unfit through drink or drugs & failing to provide a specimen for analysis is also likely to be excluded.<\/p>\n

The following is an example of an alcohol & drugs exclusion clause on an insurance policy document.<\/p>\n

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Alcohol & Drugs<\/strong><\/p>\n

You\u2019re not fully covered if an accident happens while you or anyone entitled to drive under your current Certificate of Motor Insurance:<\/p>\n