Are You Insured If You Drink Drive?

We noted before that insurance companies will cover the expense of your DUI because it is considered an accident: you didn’t mean to cause a collision while inebriated.

However, setting fire to your automobile is considered an intentional act, and your car insurance would not cover it.

That’s why some insurance companies would try to dismiss your drunk-driving accident by saying it was premeditated. If the insurance company can show that your accident was deliberate, they will not have to pay for it.

In order to deny your claim, your insurance company may allege that you chose to drink and drive on purpose. You made the conscious decision to drink and drive while inebriated. You consciously enhanced your danger of being involved in an accident, even though you didn’t cause it.

Your insurance claim may be denied if the insurance company can prove that your acts were deliberate.

Yes, your insurance company will usually fund your claim following a drunk driving accident, but this isn’t always the case.

If your insurance company has refused your claim due to the intentional drunk driving accident, you should speak with a lawyer. Even if the collision was caused when you were driving while inebriated, a qualified vehicle insurance lawyer can ensure that your insurance company pays up.

Is your insurance void if you drink drive?

It depends on the circumstances. It won’t necessarily render your policy void. However, if you have an accident while inebriated, your insurance company may refuse to pay for any injuries you have or vehicle repairs.

Your insurance company is required to cover the expenses of third-party claims, but they may try to recoup these costs from you. Check your policy to find exactly what you’re covered for and what you’re not.

Can you claim insurance if drunk driving?

According to lawyers, motor insurance policies clearly indicate that it is up to the insurers to decide whether a claimant who had consumed alcohol prior to driving should be allowed to file a claim.

However, they believe that such a broad exclusion is illogical, given that the legal limit for drunk driving is already the most stringent.

Mr Satwant Singh, who has handled numerous motor vehicle accident cases, said it was “very unreasonable to enforce such requirements that fundamentally contradict Singaporean regulations.”

Mr Sunil Sudheesan, another lawyer, said: “Insurance firms prefer to insure only individuals who do not consume alcohol. They want to deliver the message that you should not drink and drive.”

According to the attorneys, consumers who purchase insurance should carefully examine the policy’s terms and conditions.

Customers should “always be cognizant of the tiny print” before purchasing any coverage, according to Mr Goh E Pei of legal firm Ang & Partners, which specializes in shipping and insurance.

“When purchasing insurance, they should consider the scenarios in which the insurance company may reject or repudiate their claims. It’s critical that consumers understand what they can and cannot do in order for their claims to be honored.”

Alcohol’s impact on a person’s body might vary dramatically based on aspects such as gender and size.

According to Dr. Desmond Wai, a liver and gastrointestinal diseases expert with a clinic at Mount Elizabeth Novena Specialist Centre, peak alcohol levels occur between 30 and 60 minutes after ingestion.

According to him, studies have shown that even one can of alcohol can impair a person’s ability to drive.

“However, there is a wide range of impairment among various persons with the same alcohol dose, making it difficult to anticipate,” he noted.

Dr. Wai went on to say that if you’re going to drink, even if it’s just a little bit, you shouldn’t drive at all.

The doctor went on to say that if a person is found to have alcohol in his blood and is engaged in an accident, the accident may be blamed on his alcohol consumption.

Do I have to tell insurance about drink driving?

With a drink-driving conviction, you can get insurance, but your premiums will skyrocket, for example, if you were given a driving suspension or if a sample you submitted for alcohol analysis revealed you were over the limit.

There are specialist insurers that provide car insurance for people with drink driving convictions, but because this insurance is likely to be more expensive than standard car insurance, it’s a good idea to seek free advice from an insurance broker on the cheapest specialist insurance you can get with a drink driving conviction.

Let’s get right to it and see if you can get insurance with a DUI conviction and how it will effect the cost of your insurance.

How will a drink driving conviction affect my car insurance costs?

If you are convicted of drunk driving, the court may ‘endorse’ your license, which means you may face a driving suspension, depending on the severity of your offense.

This will almost certainly raise the cost of your insurance and keep you off the road for the duration of your suspension.

After a drink-driving conviction, your premiums will likely increase, and you may be required to pay a higher excess.

In car insurance, an excess is the amount you agree to pay toward claim costs. You’ll already have a mandatory excess, which is the amount you must pay if you file a claim, and a ‘excess’ is any amount you agree to pay in addition to your mandatory excess.

Because you’re committing to pay more if you get into an accident, offering a higher excess can lower your insurance prices.

Drink-driving convictions have an impact on more than just insurance rates. If you are convicted of drunk driving, you may face additional expenses such as legal fees (a drink driving conviction now carries an unlimited penalty), the loss of your employment (especially if it entailed driving), and the cost of alternative transportation.

According to IAM Roadsmart, you can expect to pay £2,000 in taxis or public transportation during a driving ban, and a potential loss in earnings of £38,000 over 15 months if you’re unemployed following a drink driving conviction, on top of legal fees ranging from £5000 to £11,000 (if you get a drink driving conviction after a not guilty plea, you’ll face fees at the higher end of the scale).

Will my car insurance cover a drink driving accident?

If you have an accident while driving over the legal limit, the Road Traffic Act requires your insurer to cover any costs associated with third-party claims (for example, anyone whose car you hit while drink driving).

However, if you were driving over the legal limit, your insurer’s policy would normally state that you are responsible for any costs paid as a result of third-party claims. This means they’ll try to recoup the charges from you in most cases.

Your insurer may also offer a coverage that excludes any damage to your vehicle if you were driving while inebriated or under the influence of drugs or alcohol. If you were with Admiral and got into an accident while under the influence of alcohol or drugs, for example, Admiral’s policy1 states:

“If an accident occurs while you or any other person entitled to drive… has been convicted of an offence involving drink or drugs, or was driving under the influence of drink or drugs, no coverage under the policy will be provided, and instead, our liability will be limited to meeting our obligations under the Road Traffic Act.” We reserve the right to recover from you or the driver all money paid (including all legal costs) of any claim originating from the accident, whether in settlement or under a judgment.”

As a result, not only will you be unlikely to be able to claim for any damages caused by your own vehicle in a drunk driving accident, but you’ll also be responsible for any legal fees and repairs claimed by third parties.

Will I lose my current car insurance after a drink driving conviction?

If you’re convicted of a drink-driving offense, you won’t necessarily lose your present auto insurance; but, your insurance rate is likely to skyrocket. In this scenario, shopping around and checking different auto insurance companies to see if you can get a better deal on insurance after a DUI conviction is a good idea.

While many insurers may refuse to cover a prohibited driver, excluded driver insurance will cover the car but not the individual. Even if you can’t drive it, this at least safeguards it from threats like theft and vandalism. Other named drivers can also drive the vehicle while you’re serving a ban if you have excluded driver insurance.

How can I find the cheapest insurance after a drink driving conviction?

After a drink driving conviction, a short google search will bring up millions of vehicle insurance websites guaranteeing you the cheapest insurance possible. Many of these are specialist drink-driving auto insurance firms, which would, understandably, charge you more prices if you have a DR10 or any other conviction on your record.

Using a free insurance broker is the greatest method to navigate between all of these different insurance providers and discover the lowest and most comprehensive coverage after a drink driving conviction for you. According to a Money Supermarket study, getting an insurance quotation online when you have two or more drink driving convictions only yields 61 to 70 results, less than the 70 to 80 you may expect if you have no convictions. You’ll only get 6 to 10 results if you’ve committed four or more offenses.

If you have a drink driving conviction, insurance brokers can present you with a wider selection of possibilities than insurance comparison websites, which will provide you with generalized rates because they won’t know all of your data.

Because insurance brokers have preexisting contacts with insurance firms, they will be able to obtain offers that aren’t advertised by the companies. While internet insurance quotations are usually based on a computer algorithm, insurance brokers will work with insurance companies to develop a custom policy and rate, which often results in lower insurance costs.

Brokers can analyze your specific situation to identify the best coverage for you, and they are more likely to negotiate cheaper prices from insurance companies because insurance companies know that clients who go through brokers file fewer claims, which saves them money.

How to reduce your insurance after a drink driving conviction

After a DUI conviction, there are several options for lowering your insurance premiums. Let’s have a look at them right now.

Take the Drink Driving Rehabilitation course

If you want to save money on your insurance, taking the Drink Driving Rehabilitation course after a DUI conviction is an excellent option. Most insurance companies recognize The Drink Driving Rehabilitation Course as proof that you’ve worked to overcome the difficulties that lead you to drive while intoxicated in the first place, and as a consequence, your insurance premiums are likely to be reduced. These classes can minimize the period of a driver’s license suspension by up to 25%, lowering your insurance premiums.

Pay a higher voluntary excess

Paying a larger voluntary excess, which means you agree to pay a higher portion of any costs you would otherwise claim from your insurer, may help you save money on vehicle insurance after a DUI conviction. This is because the amount you’re ready to pay in the case of a car accident or incident lowers the amount your insurer has to pay out, allowing them to offer you lower monthly premiums.

If you want to pay a greater excess, make sure you can afford it if you ever need to make a claim. If you have money saved up, put some aside in case you need to pay an excess, and you’ll be able to get lower premiums with the assurance that you’ll be able to cover your excess if you need to file a claim.

Change cars to one in a lower insurance group

The insurance group rating on your automobile is also likely to affect the cost of your insurance, and changing your insurance group rating is an excellent method to save money after a DUI conviction. All cars are assigned to one of 50 insurance groups, and the closer they are to group 1, the less expensive they are to insure. Cars are ranked based on two factors: their likelihood of causing any harm and the amount of damage they are likely to inflict in the case of an accident or incident. So, if you drive a car like the Citreon C1 Vibe or the Ford Car Plus, both of which are classified as Insurance Group 1, you may be able to save money on your insurance after a DUI. However, because each insurer rates automobiles differently, make sure you check with your insurer to see which category a car belongs to before you go out and buy it in the hopes of saving money on insurance. You can be quite certain that your average little 1.01 to 1.61 hatchbacks will be lower rated (as long as they aren’t high-performance hot hatches like the Vauxhall Corsa VXR or the Volkswagen Golf / Polo Sports).

Shop around

Even if you’ve been convicted of drunk driving, you have options when it comes to vehicle insurance. If your insurance rates have increased as a result of a drunk driving incident, it’s worth browsing around to see if you can get a better price. While price comparison websites can be useful for getting a fast look at potential insurance possibilities, hiring an insurance broker who can apply their experience to your specific situation and possibly find you better car insurance offers that aren’t publicized is the best option.

Lower your annual mileage

Another strategy to cut your insurance after a DUI conviction is to try to drive less and report a lower mileage to your insurance company. While you shouldn’t take your foot off the gas pedal too much (driving less than 1000 or 2000 miles per year, for example, implies to your insurer that you aren’t gaining enough experience on the road and may raise your insurance), achieving a sweet spot of around 5000 miles is a smart idea. If you drive less, your insurer will consider you to be less of a danger of accidents, and your insurance premiums may be reduced.

Limit your policy

Limiting your insurance coverage to cover only specific specified drivers, depending on your age, can help you save money on your insurance. If you’re a teenage driver with a drink-driving conviction, adding a parent as a named driver can assist lower your premiums by putting a more experienced driver on the risk.

Do I have to tell my insurer about a drink driving conviction?

A drink-driving conviction that is ‘unspent,’ that is, one that occurred within the last five years, must always be disclosed to an insurer. Although it may be tempting to buy lower insurance without reporting any points you’ve received as a result of drinking and driving, most auto insurers will be able to check your driving license data – including points – through The Driver and Vehicles Licensing Agency (DVLA). Your insurance policy will be void if they discover you lied. This can result in a policy being terminated or voided, which can lead to higher premiums because they must also be declared.

During the course of your insurance policy, you must inform your insurer of any penalty points and disqualifications incurred for drink driving (or any other traffic infraction for that matter). If your insurance provider discovers that you haven’t revealed points on your driver’s license, your coverage will be voided, and you risk being prosecuted and having your vehicle destroyed.

A DR10 endorsement will remain on your driver’s license for 11 years. You do not have to report any motoring convictions to your insurance carrier after 5 years from the date of conviction, regardless of how long they have been on your license.

As a result of a spent DR10 conviction, your insurer is not authorized to raise your insurance rate. According to a High Court judgement from 2002, it is illegal for insurers to inquire about any expended penalty points on your license and adjust your premiums accordingly. However, you must tell the truth if they ask if you have any penalty points owing to a drink-driving conviction, or you may be denied an insurance coverage with that provider.

Make sure you get free advice from an insurance broker on whether you should approach specialised insurers who deal with convicted drunk drivers.

Any endorsements you’ve received as a result of a DR10 will be removed off your license entirely after 11 years, so if your drink-driving conviction occurred more than 11 years ago, your insurance is unlikely to be affected. (After 5 years, these convictions are no longer applicable.)

Unless you declare your car to be ‘off the road,’ you will be required to pay for auto insurance if you have received a driving ban as a result of a drink-driving conviction.

If you’ve been prohibited from driving for a period of time, you can apply to the DVLA for a Statutory Off The Road (SORN) notification. This means you won’t have to pay road tax or insurance on your automobile because it’s officially off the road. You’ll have to reapply for your driver’s license and either hunt for new insurance or see if your former auto insurance company will cover you again once your driving ban is lifted.

We hope you found our article on whether you can get auto insurance with a drink driving conviction to be informative. Although drunk driving is a serious offense, you do have a few alternatives for getting vehicle insurance and cutting the cost of car insurance as much as possible after a conviction.

Does car insurance cover drink driving accidents UK?

If an accident occurs while you or anyone else authorized to drive under your current Certificate of Motor Insurance:

  • Is discovered to be over the legal drinking age in the country where the occurrence occurs.
  • Is it permissible to drive while under the influence of alcohol, narcotics, or other substances, whether prescribed or not?
  • Without a valid reason, refuses to deliver a sample of breath, blood, or urine when requested.

How long does drink driving affect your insurance?

For the next five years after a drink-driving conviction, drink-driving convictions are likely to result in higher insurance premiums. In order to discover the greatest price, you need shop about and seek quotations from other providers.

The precise cost will range significantly between insurance companies and brokers. The price will also be determined by the level of coverage needed as well as your specific circumstances.

Is drink driving criminal conviction?

Is drinking and driving a crime? Yes, under Section 5(a) of the Road Traffic Act 1988, drink driving is a criminal offense. Driving over the legal limit can result in a criminal record, a driver’s license suspension, an endless fine, and, in the most serious circumstances, a prison sentence!

What sentence will I get for drink driving?

Drink-driving convictions normally result in automatic ban from driving for at least 12 months, although this can be much longer depending on the reading and/or whether there are aggravating factors such as the way of driving or whether an accident occurred. You may be sentenced to prison depending on the severity of the case and your driving record, while most first-time offenders will get a monetary penalty. If you get two drink-drive convictions in a ten-year period, you will be barred from driving for at least three years and your chances of earning a prison sentence will increase.

We understand that a driving prohibition may prevent you from working, dropping your children off at school, or transporting elderly relatives to and from hospital appointments.

A conviction for driving while intoxicated and failing to give a specimen will result in a minimum 12-month license suspension, an endorsement on your license, and a penalty ranging from a fine to a period of jail in more serious cases. A term of ineligibility might have a significant influence on your life. You may not be able to continue working, drop the kids off at school, or transport elderly relatives if you have a driving ban. It’s possible that you’re not the only one who’s been affected.

We don’t believe in people admitting responsibility for something they didn’t do simply because it seemed easier at the time, and the ramifications of any prohibition are so serious that we can’t overlook the prospect of a legal challenge to the ban.

You may have a plausible defense if you were not the driver of the vehicle and the cops followed the proper procedure.

When am I guilty of drink driving?

You are over the legal limit if you are caught driving with a breath alcohol concentration of more than 35. In most cases, you will be required to produce two breath samples in the police station, and if your maximum result is 40, you will not face charges.

Previously, if your breath reading was between 40 and 50, you would be asked to produce a blood or urine sample; however, this is no longer the case.

But I was only re-parking my car in a safe place

It makes no difference; the law is stringent, and you are guilty of an offense if you drive on a public road when over the legal limit ( see below for shortness driven )

But I’m not guilty because I only had one drink

It makes no difference if your breath reading shows you are over the legal limit; you are guilty nonetheless. (spiked drinks are listed below)

Special reasons for not disqualifying

There are times when, even if you are guilty of drunk driving under the law, there are’special reasons’ why you should not be barred from driving.

  • Re-parking the automobile on a calm road over a distance of less than 400 yards is an example of a short distance driven.
  • Spiked drinks, which means a friend put alcohol in your drink and you didn’t realize you were over the limit.
  • Medication, i.e. you were on medication that had an impact on your blood alcohol level.

If you try to argue any of these points, you will still have to plead guilty to driving under the influence of alcohol before a Magistrates’ Court, but we will inform the court that you have special circumstances that prevent you from being disqualified. The case will then be rescheduled for another day so that the court can hear the evidence that we’ll need to support your case. Medical records or statements from witnesses you want to call may be included in this evidence.

What happens if you get in an accident while drunk UK?

Being in command of a vehicle while inebriated or ineligible due to alcohol. You could be sentenced to 3 months in prison. A fine of up to £2,500 may be imposed.

How long does DR10 affect insurance?

A DR10 endorsement, on the other hand, will remain on your driver’s license for 11 years from the date you were convicted of the offense. If you have a second drink-driving offense within ten years, you will be classified as a high-risk offender and will be barred for at least three years.

While a DR10 endorsement will be on your driver’s license for 11 years, you only have to tell insurance companies about it for the first 5 years after your conviction.

This is because, under the Rehabilitation of Offenders Act 1974, your DR10 conviction will be considered “spent” after five years.

When receiving bids and purchasing vehicle insurance, spent convictions are not required to be disclosed to insurance companies.

Firms who rely on endorsements linked to past convictions to disadvantage a motorist are breaking the law.

Does fully comprehensive cover me to drive other cars?

DOC (Driving Other Cars) insurance isn’t typically included in a completely comprehensive coverage. You’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy, unless your policy indicates otherwise.