Drink/drug driving conviction insurance help
Drivers convicted of drink or drug driving are guaranteed to see a costly rise in their car insurance premiums. But those who take certain practical steps can see these premiums fall again. Read on to find out more.
If you have a conviction for drink or drug-related driving you are likely to see your car insurance premiums as much as double. And if you lost your no claims discount (NCD) too, it could be much worse.
What practical steps can you take to reduce those high premiums?
Why insurers penalise drink and drug driving
Let’s first explain why insurers increase premiums so much for drink and driving convictions. After all, you can get an SP30 for speeding and it not affect your insurance premium – but even the lowest drink or drug driving conviction will have a big impact. Why is that?
In simple terms, insurers don’t like drunks or drug takers. Outside of motor insurance, being drunk or under the influence of drugs would exclude you from making a claim.
When insurers offer travel insurance or cover against you having a personal accident, for example, drink and drugs aren’t covered. Insurers impose exclusions so they do not have to pay out if your loss or injury was because you were drunk or under the influence of drugs.
But insurers have to pay out for third-party damage by law on motor policies regardless of the cause. Drivers under the influence of drink or drugs cause damage and injure or even kill people. Insurers – like the public – don’t like that.
The Road Traffic Act 1930
Since the Road Traffic Act of 1930 motor insurance has been compulsory. The law sets down how motor insurance must protect the innocent victim of motoring offences without it costing the government a penny.
That makes motor insurance the only type of cover for which insurers cannot get out of paying claims when the insured person was drunk or taking drugs.
So if insurers know you get drunk and drive, or that you take drugs and drive, they don’t trust you. Most don’t want you as their customer.
The latest figures show that fewer people died on British roads in 2015 as a result of drink driving than in any year since records began. But in 2016, more than 460,000 people undertook breath tests, with almost 59,000 testing positively or refusing a test.
Impact on premiums
From an insurance perspective a drink or drug-driving conviction always impacts on insurance. You must tell insurers of your conviction for five years minimum. But the points on your licence might last longer, and that impact will last for years.
While speeding points lapse after three years, the shortest time a drink or drug conviction will stay on your licence is four years (a DR40 for failing to provide a specimen or breath test). Many – most – last 11 years.
For that time, some insurers will not insure you at all. Some insurers will price their quotes so that they effectively refuse to insure you.
However, some specialist packages do exist to provide cover, but they are expensive. You have far fewer choices. That means the premiums will be significantly higher. If you crashed while under the influence too, you will have lost your no claims discount (NCD), making it even worse.
Who is most likely to drink and drive?
According to MoneySuperMarket analysis of car insurance quotes, the manual building trades dominate those with convictions. Mature students are the other main culprits. The top 10 occupations for drink driving offences so far in 2018 were:
Mature student - living at home
If you do drink or take drugs and drive and have not yet been caught, it might be time to think again. In June 2018, the government announced £350,000 for a competition to get companies to bring a new mobile breathalyser to market.
This will mean the police will no longer need to take suspects to a police station but will be able to rely on the mobile unit. The Department for Transport (DfT) expects many more breath tests to be carried out as a result.
Roads Minister Jesse Norman said: “This new mobile breathalyser technology will enable the police to enforce the alcohol limit more rigorously on those who still choose to drive after drinking, putting others at risk.”
What can you do to help?
If you are convicted and banned for a year or more, the first thing to do is to take the Drink Driving Rehabilitation Scheme (DDRS) course. These last 16 hours and run over three days, normally over three weeks. You’ll be with others with similar convictions. The court will give you details.
The course focuses on helping you understand the impact of alcohol on driving and then moves on to trying to change your alcohol use in relation to driving. The syllabus is published by the DfT. You’ll need to already accept you want to change behaviour before being accepted on a course.
Taking this may reduce the length of your ban and help with insurance costs. There is a trial to see if drug rehabilitation training can operate in a similar way.
Practical steps to reduce insurance premiums
The other things you could consider to reduce your premium include:
Downgrade to a cheaper-to-insure car
Restrict your mileage
Get ‘black box’ telematics insurance, which will charge you more for driving at night or when you drive erratically
Improve the security on your car, including garaging it
These may help reduce the impact on your car insurance premiums, but your premium will still rise.
Drinking or drug taking and then getting behind the wheel puts you in the fast lane to higher car insurance premiums.
You can see drink and drug driving conviction rates across the UK from MoneySuperMarket’s own research and find the conviction rates for your area.