What is Drink Drivers Insurance?
Drink Driving Insurance is a specialist form of insurance that takes into consideration drivers who have a DR code in relation to drink driving offences.
Not every drink driver is a bad driver, as such, we work with specialist drink driver insurance brokers who have access to some of the most competitive DR30 and DR10 Insurance policies in order to help you find a policy that is right for you, at the right price.
With the help of our expert broker panel, we can help find cover for all the DR conviction codes. Our advisors are knowledgable and accept the fact we all make mistakes, working with your to find a policy right for you.
Looking for Car Insurance with Convictions for Drink Driving?
If you have been caught driving whilst under the influence of alcohol, it is almost certain you will have received a large financial penalty, driving ban, a DR conviction code and an increase in your drink drivers policy.
Having a DR conviction is considered a major driving conviction and as such, a lot of car insurance brokers will not offer you a premium. Here at Total, we have handpicked and chosen to work with some of the best in finding car insurance after disqualification.
Why use Total Insurance?
We work with specialist convicted driver insurers and DR brokers who have a wealth of experience in dealing with DR10, DR30, DR40, DR50, DR60 and DR70 conviction codes along with higher risk codes.
They have refined their policies to help you reduce yours costs. Quite often, with their experience, they can beat the big price comparison aggregators.
Our advisors accept we all make mistakes and do not judge our applicants and work with you in finding and comparing car insurance for drink drivers.
It can be extremely hard find insurance with a DR conviction, but we are able to help.
Conviction Codes Explained
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
Legal Alcohol Limits for Driving
– 35 microgrammes of alcohol per 100 millilitres of breath
– 80 milligrammes of alcohol in 100 millilitres of blood
– 107 milligrammes of alcohol per 100 millilitres of urine
Cheap Drink Driver Insurance
It is unrealistic for convicted drink drivers to expect to be able to get a cheap policy straight away after a drink driving ban especially if the drink has had multiple drink driving bans.
However, working with the brokers that we work with, we certainly can help you find a competitive policy that our competitors would be unlikely to beat.
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 driving insurance quote, we would suggest taking part in rehabilitation courses and working hard to not gain any penalty points.
Reducing your premium cost further
In order to help bring down the cost of your drink drivers insurance further, you may want to consider the following options.
Limit the policy cover. You may wish to opt for insuring named drivers only as opposed to anyone. You may wish to opt for Third Party Fire and Theft as opposed to Fully Comprehensive but we strongly recommend against that and most insurance companies only offer fully comp cover.
Keep your car in a secure location. If you are able to lock your car in a garage, under CCTV cameras or safe location, this will help.
Opt for a Higher excess. The excess is the amount you pay in order to claim on your policy. By increasing this, you could decrease your premium. Remember though, should you need to claim, your ability to do so where you are at fault will be more in this instance.
Lower your Annual Mileage. By lowering your annual mileage inline with what you are likely to do, you can reduce the cost of your insurance cover because you be classed as less of a risk. It is however important not to underinsure!
How long do I have to declare a DR Conviction?
You are required by law to declare your conviction for a term of 5 years from the date of conviction.
Once you have passed 5 years, this conviction will be declared as ‘spent’ in accordance with the Rehabilitation of Offenders Act 1974.
Any insurance company that holds a conviction against your policy in order to increase premium past 5 years is actually in breach of their own statutory obligation.
After your drink driving conviction is spent, you would be able to use and obtain sensibly priced insurance via normal aggregators.