How Many Types of Drink Driving Offences Are There?

• Driving or attempting to drive whilst above the legal limit: This includes being in control of a vehicle after consuming alcohol beyond the legal threshold.
• Refusing to provide a specimen: Failing to give a breath, blood, or urine sample when requested by the police is an offence in itself, treated as severely as driving whilst impaired.
• Being in charge of a vehicle whilst above the legal limit: Even if not driving, being in the car with the keys whilst over the limit can result in penalties.
• Causing death by careless driving when under the influence: This grave offence combines the impact of drink driving with the tragic outcome of causing death, leading to severe legal and insurance consequences.

What Are the Penalties for Drink Driving Offences?

Penalties vary based on the offence's severity, from fines and driving bans to imprisonment. For insurance, the implications are significant; finding affordable cover becomes more challenging, with premiums often higher and some insurers declining cover altogether.

How Do These Offences Affect Insurance for Motorists with Convictions?

Drink driving convictions signal high risk to insurers. Each type of offence influences insurance differently, with insurers considering factors like the time elapsed since the conviction, the offence's nature, and any steps taken towards rehabilitation.

Can You Find Insurance Cover After a Drink Driving Offence?

Yes, but it may require more effort. Specialist insurers cater to motorists with convictions, understanding that past mistakes don't define the future. Honesty about your history and a proactive approach to finding cover are essential.

How Can Motorists with Convictions Improve Their Insurance Prospects?

• Attend a rehabilitation course: Some insurers offer reduced premiums if you've completed a recognised drink driving rehabilitation course.
• Consider a higher excess: Agreeing to a higher voluntary excess can lower your premium.
• Drive a less powerful vehicle: Opting for a car in a lower insurance group can make insurance more affordable.

What Should You Do If Struggling to Find Cover?

Exploring the market is key; compare quotes from various providers, especially those specialising in insurance for drivers with convictions. Also, consider contacting a broker who can negotiate on your behalf.

Why Is Honesty the Best Policy When Applying for Insurance?

Being upfront about your conviction is vital. Insurers will find out about past offences during their checks, and withholding information can invalidate your cover. Transparency ensures you find a policy that genuinely meets your needs.

Finding suitable insurance after a drink driving offence might seem like a daunting task, but it's far from impossible. With specialist insurers and a variety of tools at your disposal, buying cover is achievable. Remember, taking responsible steps towards rehabilitation and safe driving not only helps in finding better insurance deals but also contributes to safer roads for everyone.

Ready to explore your options? Click here to get started with quotes tailored for drivers with convictions, and find the cover that's right for you.