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.
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.
