Insurance after a Drink Driving Conviction
Drink driving is a high risk, zero reward activity; a single bad decision that can have irreparable consequences. Being caught driving under the influence has severe reprimands ranging from 12 month driving bans and fines to prison time in some instances.
Many insurers are hesitant to provide cover to drivers who have had DR10, DR20 or DR30 driving bans. Plus, those that don’t rule you out are often quick to inflate your premiums.
Ask the Drink Drive Insurance Specialists
Keith Michaels are different. We are convicted car insurance and drink drive conviction specialists and are highly regarded for finding the best policy that suits your circumstances. We save you money, even if you have been convicted of driving under the influence, thanks to our industry leading schemes.
DR10 Car Insurance
We have a team in place that is trained specifically in dealing with drink driver car insurance. We are confident that when it comes to convictions like DR10 we will find the most competitive specialist insurer for you.
Though we can arrange insurance for those who have other drink-driving endorsements, the DR10 conviction is the most common type of drink driver conviction. This is given to those driving or attempting to drive with a blood-alcohol level above the legal limit. We deal with clients looking for DR10 car insurance every day and pride ourselves on our ability to offer fair rates.
Cheaper Drink Driver Insurance with specialist discounts
We appreciate the importance of being fair. A drink driving conviction is disruptive many years down the line, having potential implications for both your personal life and employment prospects.
We appreciate that the majority of those who are convicted wish to draw a line under their past indiscretions and become safer drivers. We are highly supportive of these efforts, offering discounts to convicted drink drivers that attend rehabilitation courses.
Any Drink Drive Conviction Covered
As well-established providers of drink driver insurance; we are highly adept at tailoring your policy to your requirements and are highly efficient at mitigating the escalating cost of a driving conviction.
Talk to us if you have any of the following drink driving conviction codes:
| DR70 | Failing to provide a specimen for breath test |
| DR60 | Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive |
| DR50 | In charge of a vehicle while unfit through drink |
| DR40 | In charge of a vehicle while alcohol level above limit |
| DR61 | Refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity in circumstances other than driving or attempting to drive |
| DR31 | Driving or attempting to drive then refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity |
| DR30 | Driving or attempting to drive then failing to supply a specimen for analysis |
| DR20 | Driving or attempting to drive while unfit through drink |
| DR10 | Driving or attempting to drive with alcohol level above limit |
or call us on 0208 329 1150
The Keith Michaels Difference
- 30 years’ experience
- Every customer is treated as an individual, not a policy number
- We are a UK-based office, not a call centre
- We are completely independent from any insurance company
- All policies are looked at on their own merits to find you the best policy available
Why Choose Keith Michaels?
Scheme Details
We have specific insurance schemes designed exclusively for drink drivers and car owners.
This scheme is for drivers aged 25 years and older.
Discounts For
- Completing driver awareness and rehabilitation courses
- Previous NCB reinstated if available
Benefits
- Priority claims management
- Monthly direct debit for all clients
- Staff have over 30 years’ drink driver insurance experience
Get in Touch for your Drink Driver Car Insurance Quote Today
or call us on 0208 329 1150
Drink Driving & Insurance FAQs
Do I need to tell my car insurance provider that I’ve had a drink driving conviction?
Yes, if you do not declare driving convictions or penalty points to your insurer, you will risk invalidating your insurance.
How much is car insurance after a drink driving ban?
Some insurers charge high premiums or even refuse to insure drivers who have had a drink driving ban. At Keith Michaels, we help get you back on the road at a fair price by working on a case-by-case basis. We do not discriminate against previous convictions.
What is the legal limit for alcohol in England, Wales & Northern Ireland?
• 35 micrograms of alcohol per 100 millilitres of breath
• 80 milligrams of alcohol in 100 millilitres of blood
• 107 milligrams of alcohol per 100 millilitres of urine
What are the penalties of being caught drink driving?
Being in charge of a vehicle* while above the legal limit or unfit through drink
– 3 months’ imprisonment
– up to £2,500 fine
– a possible driving ban
* in most cases this relates to people who may be inside their car but not driving it. If you are over the limit and in your car to go to sleep or retrieve belongings, you could be charged.
Driving or attempting to drive while above the legal limit or unfit through drink
– 6 months’ imprisonment
– an unlimited fine
– a driving ban for at least 1 year (3 years if convicted twice in 10 years)
Refusing to provide a specimen of breath, blood or urine for analysis
– 6 months’ imprisonment
– an unlimited fine
– a ban from driving for at least 1 year
Causing death by careless driving when under the influence of drink
– 14 years’ imprisonment
– an unlimited fine
– a ban from driving for at least 2 years
– an extended driving test before your licence is returned
Driving or attempting to drive while above the legal limit or unfit through drink
– 6 months’ imprisonment
– an unlimited fine
– a driving ban for at least 1 year (3 years if convicted twice in 10 years)
Refusing to provide a specimen of breath, blood or urine for analysis
– 6 months’ imprisonment
– an unlimited fine
– a ban from driving for at least 1 year
Causing death by careless driving when under the influence of drink
– 14 years’ imprisonment
– an unlimited fine
– a ban from driving for at least 2 years
– an extended driving test before your licence is returned
Find out more information here.
When is a drink driving conviction spent?
Drink driving convictions become spent 5 years after the date of conviction. Once a drink driving conviction is spent, it’s treated as though it never happened and you don’t have to declare it on visa applications, job applications or when you renew car insurance.
How can I lower the cost of my drink driving insurance?
It is important to understand that insurance companies see someone with a drink driving conviction as being at higher risk of claiming on their insurance. This is why insuring someone with a drink driving conviction costs so much more. With that in mind, here are some tips on how to get the best value insurance for you.
• The first step is to use a provider like Keith Michaels – Specialist insurers have experience handling clients with drink driving convictions and they can find you the best deal.
• Accept a higher voluntary excess – When insurance companies know you are willing to pay more if you claim, they know you are less likely to claim at all.
• Drive less – If you have lower annual millage you will look like less of a risk to insurers.
• Keep your car safe – Store your car in a locked garage or even in your driveway when you are not using it. Cars parked on the road are more likely to be damaged and claimed on insurance.
• Look online – Insurers may have online deals or discounts.
• Take a drink driving rehabilitation course – Keith Michaels actually offers a 50% discount for people convicted of drink driving who complete one of these courses.
