Driving under the influence – How does it affect your car insurance?
Driving while under the influence, such as exceeding the alcohol limit or taking drugs or medications that impair your driving ability, is a sure-fire way to land yourself with a hefty DUI conviction. While you may have been thinking it’s all fun and games to be driving while intoxicated, you are putting yourself, and others, at risk of possible injury or even death. These rash decisions are not taken lightly and will often lead to a heavy fine that could exceed £5,000, suspension/revoking of your licence, or even jail time. If you find yourself faced with these charges you will need to find a DUI attorney. Your penalty is then determined by the magistrates who will assess both your case and the severity of the offence/situation that transpired.
54,000 people were convicted of a DUI offence between 2005 and 2015 in the UK alone. For those convicted, 76% were issued with a fine, 3% with a suspension, and all defendants are left with the future financial impact on the cost of their insurance policy. If you have been unlucky enough to have had an accident while under the influence, then you are possibly looking at another pay-out as your current insurer will likely have policies and conditions in place on what they will and will not cover; ‘Accidental’ car accidents are a common occurrence and usually covered, while drunk driving damage is not considered to be done accidently, and therefore any damage to your own property/vehicle is exempt from any claim pay-out.
Can I still get Insurance?
In short, yes. A DUI does not prevent your eligibility for insurance cover. It does, however, increase the cost and conditions laid out by the insurance provider substantially. A DUI is proof to an insurer that you have a history of being an unsafe or unreliable driver, and while you may have improved or changed your approach to driving following a conviction, ban or rehabilitation course, you are still considered more of a risk for a future claim on your policy.
Following a DUI conviction, some insurers won’t offer your cover at all. Fortunately, not all insurance providers consider offenders the same way, and each policy is taken on a case-by-case basis and assessed individually. This means that these specialist insurers don’t take a ‘one-size-fits-all’ approach and will help you to search for the best option available to match your circumstances.
How does this affect my insurance?
After you are sentenced with your penalty and, if necessary, have met the requirements to drive again you will have the challenging task of finding an insurance provider that will be able to meet your needs.
Firstly, you will need to be upfront and honest with the insurer on your convictions for them to be able to guarantee you the best offer available. The severity of your conviction can impact how long your DUI affects your premiums, and how long it stays on your licence, and this can differ from broker-to-broker.
Each insurance company handles DUI policies differently, but regardless, you should expect the costs of your insurance to be increased a significant amount. UK road users found that their insurance costs increased by a minimum of £1,000 following a DUI conviction. This is due to their insurance company not wanting to take the financial risks with drivers that are proven to be less safe on the road.
If you are in the market for Convicted Driver Insurance you should seek out a broker that has specialist policies that can cater to your needs. These policies will highlight all the details for eligibility and also provide any necessary requirements or conditions you need to meet, before you can get a quote.
Where do I get Convicted Drivers Insurance to DUI?
In the UK, there are a number of specialist insurance providers who can cater to your needs following a DUI conviction. These companies can provide you with detailed information on their website about their policies and also provide quotes and services via the phone to ensure that you are supplied with all the necessary guidance to make an informed decision.
Any insurance provider that offers a Convicted Driver insurance policy will have information located on their website. Be sure to check if they can cater to your specific DUI conviction before you spend time looking for insurance quotes.