Is there any insurance policy related to drunken driving? Sure there is! Sounds odd, isn’t it? Drink driving insurance is available in the UK, although it may not be the cheapest. Let’s get to know more about drink drivers insurance.
What is insurance for drink driving?
It is a specialized policy that takes into account people with a history of DR code due to drunken driving offenses in the past. It isn’t that there aren’t policies available for such people, but the right ones are found through more niche insurance providers, which are generally not available on price comparison services. Drink driving insurance is a reality!
How are drink drive penalties imposed?
A penalty is applied for drunken driving whenever someone under the influence of alcohol is found driving over the legal limit. In such situations, the driver loses their license, and a fine is imposed on them. Drink drivers insurance is for such drivers who have a record with such fines and suspensions.
What are the legal Alcohol Limits for Driving in the UK?
- 35 microgrammes of alcohol / 100 milliliters of breath
- 80 milligrams of alcohol / 100 milliliters of blood
- 107 milligrams of alcohol / 100 milliliters of urine
How long do I need to declare a DR Conviction?
By law, a person is mandated to declare their conviction for 5 years from the date of conviction. After surpassing this limit, their conviction will be reported as ‘spend’ as per the Rehabilitation of Offenders Act 1974.
If an insurance company that has a conviction against the policy to increase premium past 5 years is breaching their statutory obligation. After ‘spent’ is declared, you will obtain sensible and decent-priced drink driving insurance from general policy providers.
How can I get a drink driving conviction?
By any chance, if you have been caught with a drink driving offense, you would have received a huge financial penalty along with a driving ban, and a DR conviction code. This will surely increase the charge of your drink drivers policy. Because of this DR, many car insurance brokers won’t offer you a premium, since it is considered a major offense. But, companies like Total Insurance works with the best brokers and handpicks the one that is ready to offer insurance for drink driving at an affordable price.
The role of comparing policy platforms in getting a drink driving insurance
Compare policy platforms like Total Insurance UK are leading sites that provide drink drivers insurance with the help of leading brokers, along with the most affordable rates possible. While you look for insurance for drink driving, the general price comparison services may not give you the cheapest option possible.
Total Insurance UK brand believes that all drink drivers aren’t bad drivers. Many of them end up getting a ban due to their simple mistakes that happened by chance. The specialists working with these platforms understand the concern and start working for you without judging you for anything. That’s why even though there aren’t cheap policies available for drink drivers insurance, but the knowledge they have garnered through years of experience helps you get the best price.
The benefits of using compare services such as Total Insurance UK.
- Drink Driving Insurance at affordable prices.
- Pay as per your comfort: choose a monthly, quarterly, yearly payment plan.
- Quick to fill and easy to understand form.
One can access multiple options through the quick and easy form. It asks for a few essential details about you, your needs, and your expectation from the policy. After that, the team of specialists working for brands like total insurance finds brokers who will give you the cheapest quote that suits your needs. This helps you save a lot of time and effort on finding the right policy and broker for you. You save a lot of money by avoiding unnecessary cover and picking only the needed cover for you at the cheapest price.
Can I Get Cheap insurance for drink driving?
One may find it silly that those with drink driving offenses will get a cheap policy right away. Moreover, if it is a second offense, one can’t expect it at all. That’s why compare specialist companies work with experts who try to reduce the cost as much as possible. Specialist policy brokers are at your service if you need sensible insurance premiums. If you can’t afford a costly drink drivers insurance, then you must take part in rehabilitation courses and work hard to not get any penalty points. Talk to your registered office to find such courses.
How to reduce the cost of your policy and present the best case possible
Although our specialists will work hard to get you an affordable policy, they on their own can’t make it possible for you if your track record doesn’t show a glimmer of hope. Therefore, try these methods to improve your record, so that in the future you get cheaper insurance for drink driving.
- Keep the car in a secured location: If you lock your car in a garage, under CCTV cameras, or in any safe location for the matter, you have a better chance at landing a cheaper policy. This shows that you are worried about your vehicle and its safety.
- Lower the annual mileage: If you lower down the annual mileage in line with your likely limit, you can make your drink driving insurance cheaper. It is because you will be classified as less at risk. But, do not end up getting underinsured!
- Choose a higher excess: An ‘excess’ is the sum you pay to get a claim for your policy. If you raise this, you lower your premium. However, if you ever had to claim this amount, you can do this if you are at a fault.
Have a limit on the policy cover: You may want to pick the insuring named drivers only instead of just anyone. You may also want to pick a third-party fire & theft policy as against a comprehensive cover. We strongly argue against it, and the most insurance company will offer only fully comprehensive cover.
