Getting Insurance With a Drink Driving Conviction

Drink driving is a common problem in the UK and although the number of deaths and serious injuries caused by drink driving have reduced significantly over the last few decades, it’s still something that causes a lot of issues for everyone concerned.

Drink driving is usually discouraged because of the harm you could cause to passengers, pedestrians and other road users. True as this is, even if you’re not involved in an accident while drink driving, it could still have serious consequences for your life.

Do you have to declare your conviction to insurance providers?

One of the first things that people who have a drink driving conviction want to know when they’re looking to get car insurance is whether or not they need to declare their conviction. This will depend on whether your conviction is spent or unspent. Under the Rehabilitation of Offenders Act 1974, some convictions must be considered ‘spent’ after a certain period of time. A spent conviction is simply one that you’re no longer obligated to declare.

It’s important to note that even if your conviction is spent, some insurance providers might want to know about it. It’s important to be honest in this case as lying about a conviction could void your policy.

How to save money on car insurance

If you have a drink driving conviction then you certainly want to take any steps you can to lower the cost of insurance. Below are some excellent ways to do this –

  • Shop around – When you’re looking for drink driving car insurance, you certainly don’t want to take out a policy with the first insurance provider you contact. This is because you might well be able to get a better deal elsewhere. There are many excellent insurance comparison services around now that enable you to get quotes from many insurance providers by simply filling out one quote form.
  • Get a basic policy – Another great way you can lower the cost of car insurance with a drink driving conviction is to get a very basic third party only policy. Although third party insurance doesn’t provide protection for your own vehicle, it does make it road legal and is considerably cheaper than a comprehensive policy.
  • Increase excess – You can also lower the cost of car insurance by increasing the excess on the policy. The excess is simply what you would pay towards a claim should you need to make one.