Car Insurance After Drink Drive Conviction
Car Insurance After Drink Drive Conviction
Introduction
Drink driving is a serious offence and a conviction can have serious consequences on your everyday life, including making it much harder to get car insurance. If you’ve been convicted of drink driving, you’ll need to find a specialist provider who can provide a policy that meets your needs. This article will explore how you can get car insurance with a drink drive conviction, as well as the implications of having one on your record.
What is a Drink Drive Conviction?
A drink drive conviction occurs when you are caught driving after consuming alcohol above the legal limit. In the UK, the legal limit for alcohol consumption is 80mg alcohol per 100ml of blood or 35mg per 100ml of breath. If you are convicted of drink driving, you will face a fine, a driving ban, and potentially a custodial sentence. A conviction can remain on your record for up to 11 years.
How Does a Drink Drive Conviction Affect Car Insurance?
Having a drink drive conviction on your record can make it much harder to get car insurance. This is because insurers view drink driving as a major risk and will be less likely to offer you a policy. If you do manage to find a provider that will insure you, you can expect a significantly higher premium than someone without a conviction.
Finding Car Insurance After a Drink Drive Conviction
If you’ve been convicted of drink driving, you will need to find a specialist insurance provider. These providers understand the risks associated with drink driving and are more likely to offer you a policy. You can find these providers by searching online for “drink drive car insurance”. You may also be able to find a provider through a broker or comparison website.
Things to Consider When Taking Out Car Insurance
When taking out car insurance after a drink drive conviction, there are a few things you should consider. Firstly, make sure you shop around and compare policies from a range of providers. Different companies may offer different levels of coverage, so make sure you find the policy that best meets your needs. Secondly, make sure you pay your premiums on time, as failure to do so could result in your policy being cancelled.
Conclusion
Getting car insurance after a drink drive conviction can be difficult, but it is possible. You will need to find a specialist provider who understands the risks associated with drink driving and is willing to insure you. Make sure you shop around and compare policies from a range of providers, and make sure you pay your premiums on time. By following these steps, you should be able to find the right car insurance policy for you.