Finding Car Insurance after a Drink / Drug Driving Ban
After receiving a driving ban in relation to a drink driving (or drug driving) offence, you may find that finding an insurance broker becomes extremely difficult and the online aggregators won’t offer you any policies OR they are extremely expensive.
Having said that, finding a policy such as a DR10 Insurance Policy is not impossible and we work with a number of leading convicted insurance brokers who will be able to find you Cheap DR Insurance.
The Driving Offences
Driving offences all have different codes that they relate to. These will be put on your licence held by the DVLA and will be made available to both police and insurance companies should they run a check on you so it is essential that you declare them when required.
Those who have a licence with DR10, DR20, DR30, DR31, DR61, or DR80 as a conviction code, will have at some point been caught driving whilst under the influence of drugs.
Offence codes such as CD40, CD50, CD60 or a CD70 relate to those caught carelessly driving whilst under the influence of drugs or alcohol.
In all the cases above, the conviction code will remain on your licence for 11 years from the date of the original conviction. Unfortunately, it is also true that all the time these points remain on your licence, you can expect to pay a higher premium.
Improve your chances of a competitive policy
Having major convictions on a driver’s licence can cause you a problem for a long time, especially within the first 6 years. One of the best ways to improve your risk profile in the eyes of an insurer is to attend a rehabilitation course. There are many rehabilitation courses that are desired to educate and rehabilitate drivers who have been caught driving under the influence. Once completing such courses, they can help you gain a discount on your insurance premium.
There are also standard options you can apply to your policy such as reducing the number of miles you drive, keeping your car secure overnight as well as building up a new driving history without new convictions or accidents. If you can quickly prove you will not reoffend, then your insurance has a better chance of dropping.
Tailoring your policy
If you are quite a young driver, then adding an older experienced driver can have some positive benefits to you premium on the basis they to also have a clean record.
If you raise your excess (this is the total amount of money you pay towards any claims you may have to make), you can also bring your premium down considerably. Raising your excess may offset the additional cost of your conviction or at least bring your policy premium into an affordable price bracket.
Buying a cheaper and less high-powered car can also be a way to bring down your premium. High powered cars can bring greater risks to the insurer, by opting for something less expensive and less power performance based, you can reduce your premium considerably.
If you remain unsure, be sure to contact our drink driving insurance team.