At some point or other, most of us have received a speeding ticket or picked up points somewhere along the line. We never intentionally aim to get the points but they are often part in parcel of driving. What affect do they really have on our insurance though?Continue reading
Just last month, the UK emerged from its lockdown restrictions, with a date known by everyone as ‘Freedom Day’. For many of us, the 19th of July signalled a time for us to see friends and family, relax and enjoy the summer, with pubs, restaurants and bars all open to the public.Continue reading
Motorhomes travelling to the popular county of Gwynedd in Wales could be facing a change in rules and parking spots. A surge in visitors to the county, which includes the popular Snowdonia National Park, has forced the local council to consider new measures for its motorhome visitors.Continue reading
Most people assume that a criminal conviction for a motoring offence will affect a driver’s insurance options. Clearly, a motorist that has committed and been convicted of a driving offence represents a greater risk to an insurance company and, at the very least, they will have to pay higher premiums to get insured. But many people are surprised to learn that a criminal conviction for a non-motoring offence will also impact their ability to get car insurance.Continue reading
The number of drink and drug driving conditions on UK roads has continued to fall, with the COVID-19 related lockdowns over the last 12 months believed to be responsible. With pubs, bars and restaurants closed repeatedly and many of us travelling less, it comes as no surprise that the number of people offending has dropped.
A decline in drink-related driving offences for most of the UK
According to MoneySuperMarket.com, research shows that conviction rates for drink driving offences have continued their downward trajectory. The research shows a year-on-year decline, with 0.86 drivers per 1000 in 2019 reporting offences and 0.79 per 1000 drivers in 2020 reporting offences.
However, drug-related driving offences have continued to increase, with the data showing that from 2018 until 2020, convictions for drug driving rose from 0.11 per 1000 drivers to 0.17 per 1000. The pandemic and the associated restrictions which forced many of us to stay at home are an obvious explanation for the drop in drink driving offences, however, the increase in drug driving offences is clearly an area that causes concern.
Three areas of the UK record an increase in drink driving
Despite the huge fall in traffic in 2020 and the overall decrease in drink and drug driving offences, three UK police force areas actually recorded an increase in drink and drug driving. According to This Is Money, police forces in Wiltshire, Humberside and the City of London recorded more offences in 2020 than 2019.
In fact, the Humberside Police recorded a 131 per cent increase year-on-year, with 104 drink or drug-related offences in 2020 compared to 45 in 2019. These increases are concerning given the significant drop in traffic due to lockdown restrictions, with 80 per cent lower traffic volumes reported across the country.
Will the overall downward trajectory of drink driving offences continue?
As the restrictions begin to ease, it is important to remain vigilant when driving, as it can be hard to know whether you have stepped over the legal drinking limit to drive. We are all looking forward to pubs reopening, but if you are in doubt about whether you are over the limit, do not risk it.
Drink and drug driving will put yourself and others at risk, not to mention high fines, driving bans and the increased cost of car insurance. In fact, according to I Am Road Smart, the personal financial cost of a drink driving offence could be in the region of £70,000.
This figure takes into account legal fees, fines, car insurance premiums, new transport costs and even the potential loss of salary following a conviction. These figures are based on an average salary, so in reality, the personal financial impact on you could be much higher, not to mention the danger involved to you and others.
The development of anti-drink driving technology
CarWow, the car buying comparison site, carried out research with 2000 people relating to their thoughts on reducing drink driving offences. The survey found that 38% thought that anti-drink driving technology should be installed in all cars, with a variety of systems already in development.
A great example is the Alcoclock, which is an in-car breathalyser that links to your car’s ignition. If the device reads that you are above the drink and drive limit, you will not be able to start your car. It is predicted that Tesla will be the most likely manufacturer to introduce the first drink driving technology, although Volvo is well underway with its developments.
The Volvo system uses sensors and cameras to monitor your driving ability. If the car picks up that you are not driving safely, it will take control and move you to a safe stop at the edge of the road. The technology required to monitor alcohol levels has been around for many years, however, it is reliant on consumers and lawmakers agreeing to its implementation.
What are the laws on drink driving?
The amount of alcohol it takes to be above the limit to drive after having a drink will vary between individuals, with factors such as age, weight, gender, metabolism, fatigue, and hydration all varying individual limits. This is why so many campaigns focus on never driving after a drink, as it can be so difficult to know the line.
In terms of the amount of alcohol you can have in your system, the limits vary between Scotland and the rest of the UK:
1) Breath – In a standard breathalyser test, you must have a reading of below 35 micrograms per 100 millilitres of breath or 22 micrograms per 100 millilitres of breath in Scotland.
2) Blood – In a blood test, you must have a reading of below 80 micrograms per 100 millilitres of blood or 50 micrograms per 100 millilitres of blood in Scotland.
3) Urine – In a urine test, you must have a reading of below 107 micrograms per 100 millilitres of urine or 67 micrograms per 100 millilitres of urine in Scotland.
It is a common misconception that you can only be convicted for drink driving if you are actually driving a vehicle. However, under the Road Traffic Act 1988, the law extends to those carrying car keys or even just retrieving belongings from a parked vehicle. The best advice is to leave your car keys at home and steer clear of your vehicle completely if you are drinking.
Competitive insurance for those with drink driving convictions
It is positive to see the ongoing fall in drink and drug driving offences, however, there are still many people across the country who require competitive drink drive car insurance following a conviction. We have partnered with leading UK brokers so that you can find the best quotes, whether you have a driving conviction, a criminal conviction, or points on your licence.
The cost of insurance will increase for those with convictions, however, there are companies available that offer competitive prices based on your claim’s history. Whether you have recently had a driving ban lifted or are looking for a quote following a fine, we will help you find the best policy. To find out more, please contact our team today.
Drivers who have been caught drink driving will be required to complete a Carbohydrate Deficient Transferrin examination, also known as a CDT. The blood sample you provide will be passed to an independent lab who will then pass the results to the DVLA.Continue reading
You’ve made a mistake and you’re trying to move on with your life. Then it comes to obtaining car insurance and you find it’s a struggle as you’re a convicted driver. It can be a difficult situation but one that can be made easier by taking the right steps.Continue reading
When applying for insurance, it can be very tempting to go for the cheapest possible option and remove all additional optional cover. This however can be quite risky in the event you have to make a claim.Continue reading
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After being convicted of drink driving, drivers will receive a ban. Once this ban is over, most people will want to get behind the wheel again. That means they will need to be insured.Continue reading
Speeding convictions are one of those this that at some point, the vast majority of road users get caught for. But what affect does a speeding conviction really have on your driving licence?Continue reading
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We have all been there, do we get those brake pads or go out for the day or skip the car service this year. Well, this approach could cost you more should your car fail at its annual MOT.Continue reading
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If you have had your car seized under a S165A Traffic Act where an officer had reasonable grounds to suspect the car was uninsured or not being driven in accordance with your driving licence, then there are a few steps you need to take to gain it back.Continue reading