Insurance for Drink Drivers
If you have a conviction for drink driving, you will likely find it more difficult and expensive to find an insurance quote, however it is not impossible. By using online comparison sites such as Price Point Compare, you can find the best priced and most suitable drink driver insurance quotes for your requirements.
Find the most competitive drink driver quotes
Be prepared for these convicted drink driver insurance quotes to be more expensive compared to quotes for drivers with no convictions; this is to compensate for the higher risk to the insurer.
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There are numerous different drink driving conviction codes, which all have different penalty points and effects on your drink driver insurance policy quote. Whilst DR10 is the most common drink driver conviction, you can search for insurance quotes for all of the different drink driver conviction codes.
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Driving or attempting to drive with alcohol level above limit
Driving or attempting to drive while unfit through drink
Driving or attempting to drive then failing to supply a specimen for analysis
Driving or attempting to drive then refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity
In charge of a vehicle while alcohol level above limit
In charge of a vehicle while unfit through drink
Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive
Failing to co-operate with a preliminary test
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A drink driving offence will stay on your driving record for 11 years from the date of conviction, not the date of the incident. You will need to tell your insurer about the drink driver conviction for five years after the conviction, after the five years the conviction is considered spent.
Current drink drive alcohol limits in the UK
The drink driving laws are different in Scotland compared to in England, Wales and Northern Ireland. In Scotland, the legal limit is 50 milligrammes of alcohol per 100 millilitres of blood, 22 micrograms of alcohol per 100 millilitres of breath and 67 milligrammes per 100 millilitres of urine. For the rest of the UK, the legal limit is 80 milligrams of alcohol for every 100 millilitres of blood, 35 micrograms per 100 millilitres of breath, or 107 milligrammes per 100 millilitres of urine.
Failure to comply with these requirements can lead to up to six months’ imprisonment and/or a penalty fine of up to £5000, plus a disqualification from driving of at least 12 months for the first offence.
How to get cheaper car insurance after a drink driving conviction
Insurers view drink drivers as a high risk category to insure, and therefore the increased premiums are designed to reflect this fact. Whilst this is true for all insurers, there is a significant variance in the cost of drink driver insurance quotes across insurers, so it is important to shop around when trying to find the cheapest insurance quote for drink drivers. As well as shopping around, there are other tips you can follow to maximise your chances of receiving the best cheap insurance for drink drivers quote. These include but are not limited to:
Low Insurance Group Vehicles
Choose a car in a low insurance group, such as a small car with a small capacity engine. There are fifty insurance groups, the lower the group, the lower the insurance quote.
Park in a private place
Where you park your car overnight will determine the cost of your drink driver insurance quote. Parking your car in a private garage or driveway will reduce the risk of it being stolen, vandalised or hit by a passing vehicle, so the quotes are typically lower.
Named Drivers
Adding an experienced driver with a clean driving licence as a named driver can help you to lower your drink driver insurance quote, especially if you are a young driver. This is because the named driver will be driving the car on occasion rather than yourself, offering a lower risk to the insurer in theory.
Black Box
By choosing a policy with a black box, you can help to offset some of the risk to the insurer as you can provide more information about your driving habits. Black box insurance, also known as telematics insurance, requires a device to be installed in your car that tracks and monitors your driving.