Why do drug driving convictions lead to higher premiums?

From an insurer's perspective, a conviction suggests a higher risk of being involved in an accident. Drug driving, in particular, is viewed as a significant risk because it impairs judgment, reaction times, and overall driving ability. Consequently, insurers adjust premiums upward to account for the increased likelihood of a claim.

How much can a drug driving conviction increase your premiums?

The increase in premiums can be substantial. Whilst the exact figure varies among individuals and insurers, it's not uncommon to see premiums double or even triple. The severity of the offence, the driver's history, and the length of time since the conviction all play a role in determining the exact increase.

What can drivers do to find more affordable cover after a conviction?

• Shop around: Don't settle for the first quote you receive. Different insurers have different policies on covering convicted drivers, and some specialise in high-risk cover.
• Consider a specialist broker: Brokers experienced in finding cover for drivers with convictions can often negotiate better rates on your behalf.
• Opt for a higher excess: Agreeing to pay a higher excess can reduce your premium, but make sure it's an amount you can afford if you need to make a claim.

Can completing a rehabilitation course affect your insurance costs?

Yes, successfully completing a recognized driver rehabilitation course can positively impact your insurance costs. Such courses are designed to educate and reform driving behaviour, and insurers may consider this a mitigating factor when calculating premiums.

How long will a drug driving conviction affect your insurance premiums?

A drug driving conviction typically remains on your driving record for 11 years. However, its impact on your insurance premiums may decrease over time, especially if you maintain a clean driving record post-conviction. After a certain period, usually around five years, insurers may place less weight on the conviction when assessing your risk level.

What other effects does a drug driving conviction have on car insurance?

• Policy limitations: Some insurers may only offer third-party cover instead of comprehensive cover to drivers with a drug driving conviction.
• Exclusions: Certain policy features, like courtesy car cover, may not be available to drivers with convictions.
• Payment options: You might be required to pay your premium in full upfront rather than in monthly instalments.

Are there any steps to take that can help reduce the impact?

Aside from the strategies already mentioned, maintaining a clean driving record going forward is very important. Additionally, making sensible vehicle choices - such as opting for a car that's cheaper to insure - can also help manage insurance costs. Engaging in open and honest communication with insurers or brokers about your circumstances and what you're doing to mitigate further risks can also play a role in buying a more favourable quote.

A drug driving conviction undeniably makes finding affordable car insurance more challenging, but it's not an insurmountable obstacle. With the right approach, patience, and a commitment to safer driving, it's possible to get through the complexities of insuring a convicted driver and find a policy that provides both the cover you need and the chance to rebuild your driving reputation.

And when you're ready to take that next step and explore your options, remember, help is at hand. Click the quote button for convicted driver vehicle insurance quotes, and start the process of finding an insurance solution that understands and accommodates your history, allowing you to move forward on the road ahead.