Drink Driving Insurance

Could you Save Money when you Compare Drink Driving Insurance Quotes?

  • Cheap Drink Driving Insurance Quotes
  • Flexible & Pay Monthly Schemes

  • Compare Several Specialist UK Brokers

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What is Drink Driving Insurance?

Drink driving insurance is a specialist form of policy that takes into consideration drivers who have a DR code in relation to drink driving offences. Those who have been caught drink driving will have a conviction code such as a DR10 and will have drink driving bans.

If you have a DR conviction code on your licence, it means you will have been caught with over 35 micrograms of alcohol per 100 millilitres of breath.

Policies are versatile but found through more niche insurance providers who are often not on price comparison services.

Compare Drink Drivers Insurance Quotes

We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

Drink Driving Insurance

What our Comparison Expert Says

‘Been caught drink driving? Don’t worry, the specialist brokers we work with are experienced in finding drivers insurance who have been caught over the limit. They will look at your overall driving history and find you a quote that is right for you at the right price!’

How our process works

We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.

What’s Covered By Car Insurance For Drink Drivers?

Your drink driving car insurance quotes and include and insure the same things as standard car insurance.

Can I Get Car Insurance With A Drink Driving Conviction?

There are plenty of options for drink driver insurance, but you should be aware that they may have specific terms, higher premiums and exclusions.

Having a drink driving conviction on your record can impact how simple it is to get insurance on your vehicle, but it doesn’t necessarily make it impossible.

When considering your personal vehicle insurance you should also think about things like HGV insurance, courier insurance and taxi insurance if you drive for work. You will also need to make your employer aware of this if it needs to be specified on the company fleet policy.

Drink Driving in The UK

Drink driving is a huge problem in the UK, with almost a fifth of fatalities on UK roads being caused by people driving under-the-influence.

Despite these worrying statistics and the many Government campaigns educating drivers on the danger of drink driving, 5% of drivers still admit to drink driving at least once. This may sound small but there are 50,000,000 registered drivers in the UK and if 1 in 20 are drink driving, this is a huge problem.

With these statistics in mind, it’s not too surprising that one of the most common hurdles for those struggling to insure their vehicles is having a previous drink driving conviction on their record. This can make it more difficult to correctly insure a vehicle, and often there is a lot of work to be done with an insurance broker or comparison site to find a policy that works.

Understanding The Law For Drink Driving

The law does allow for a small amount of alcohol to be present but it is only a very low level. It is always the safest policy to not drink at all if you intend to drive. However, below are the conviction codes that make up a drink drive conviction.

If you have different codes to those below, you may want to checkout our convicted driver insurance page.

These drink driving convictions codes are:

  • DR10 – Driving or attempting to drive with alcohol above the limit
  • DR20 – Driving or attempting to drive while unfit through drink
  • DR30 – Driving or attempting to drive and refusing or failing to supply a specimen
  • DR40 – In charge of vehicle with an alcohol level above the limit
  • DR50 – In charge of vehicle while unfit through drink or drugs
  • DR60 – Failure to provide a specimen for analysis other than driving
  • DR70 – Failure to provide a specimen for a breath test

How To Reduce Insurance Cost If You Have A Drink Driving Conviction

Being caught drink driving could pose you as a higher risk driver, that said, your driving record generally is still taken into account. Things like your years experience in driving all have an impact.

However, there are a few things you can do to reduce these insurance costs if they are high. Depending on your conviction code, these actions may change which policies are available.

Frequently Asked Questions

A drink driving conviction needs to be declared for 5 full years. After this period, it can be declared as ‘spent’. The conviction will remain on your record for 11 years.

Insurers cannot use a conviction older than 5 years to increase the premiums on your policy. After this 5 year period you will be able to access “normal” insurance policies without the heightened premiums. Insurers may still ask you about your convictions but it cannot be used to increase costs.

You should always read the small print on insurance policies as some insurers may insert clauses to cover themselves in the case of drink drivers who still have recorded convictions.

Drink driver insurance policies are almost always more expensive than standard policies, even more so if you are searching for insurance following a second offence.

The best way to find a policy that is both affordable and provides the cover you need is to look via a broker or comparison site. Your existing insurer may still be willing to insure you but in most cases, premiums will be higher – even double in some scenarios.

Yes. You need to make your insurer aware of any changes. This includes any convictions, bans, penalty points and even minor things like changing address. Failing to inform your insurer of these changes can void your policy and mean you aren’t properly covered should you need it.

Accidents caused by drink driving or whilst under the influence can alter your cover. Some policies state that only third party costs are covered in the event of drink driving. Your policy provider may even try to recoup these costs from you and you could end up footing the bill for your own damages and any caused. This can also include payment for injury.

It is unrealistic for those caught drink driving to expect to get a really cheap policy straight away. Even more so if it is a second offence. What we can do those is compare specialist providers who will work hard to reduce your costs.

We help you find the specialist insurance brokers that you need in order to get sensible insurance premiums.

If you are desperate to get a cheap drink drivers insurance quote. You should take part in rehabilitation courses and working hard to not gain any penalty points. Your registered office will be able to help you find these courses.

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