Drink driver car insurance

If you’ve been convicted of drink driving, you’ll already know that finding affordable drink driving car insurance is incredibly difficult. However, the good news is there are still options out there for you.

What is drink driving?

Drink driving simply means driving a vehicle after drinking alcohol. Alcohol can slow down your body’s responses and reactions, making it less safe to drive and putting both yourself and others at risk of an accident.

Can you get car insurance again after a drink driving conviction?

It is possible to get car insurance for drink drivers, but depending how serious the conviction is you may find it a lot harder. If you’re looking to get car insurance after previously being banned from driving, insurers will view you as higher risk and will be less willing to offer you cover. If an insurer does offer you cover, the amount you pay for it will be much higher.

If you’re struggling to find car insurance, you may need to approach a specialist insurance provider.

How will drink driving affect the cost of car insurance?

How much your car insurance will go up by if you have a drink driving conviction will depend on how serious the conviction is. However, it’s likely that your premiums will at least double.

What are the penalties for being caught drink driving?

The penalties for drink driving will depend on the offence committed:

What are the drink driving statistics in the UK?

According to government data, the number of estimated road deaths caused by drink driving rose by 17% in 2019. Between 240 and 320 people were killed on the road when at least one driver was found to be over the legal blood alcohol limit. This was the highest rate since 2009.

What happens if I don’t declare my conviction to my insurer?

When applying for drink driving car insurance, you must be upfront about any convictions that are “unspent”. If you’re not, you could invalidate your policy and any future claims you make are likely to be rejected.

Once convictions are “spent”, you no longer need to declare them to your insurer. Convictions become spent after a certain length of time and this period will depend on your sentence.

When is a drink driving conviction spent?

A drink driving conviction becomes spent after five years, so you don’t need to declare them to your insurer after this point. However, if your conviction was more serious, points can remain on your licence for as long as 11 years.

How can I lower the cost of my insurance following a drink driving conviction?

• Shop around. The best way to find the right insurance policy for you is to shop around and compare options – never go for the first policy you’re offered, no matter how good you think it is.
• Consider a telematics policy. With a telematics or black box policy, a device monitors your driving habits to calculate your premiums – the more safely you drive, the lower your premiums will be.
• Choose a cheaper car. Trading in your existing car for one in a lower insurance group could help to reduce the amount you pay for car insurance.
• Drive less. The lower your annual mileage, the less likely you are to be involved in an accident and make a claim on your insurance. This can help reduce your premiums.
• Consider a specialist insurer or broker. If you’re struggling to find cover or the cover you are offered is too expensive, approach a specialist insurer or broker to see whether it can offer you a more affordable policy. The charity Unlock can provide you with a list of brokers specialising in convicted driver insurance.

Does drink driving invalidate insurance?

Drink driving won’t usually invalidate your insurance, although this will depend on the policy. However, you may find that it will invalidate any claim you make for injury or damage to you or your car, following an accident. Indeed, some insurers will not pay you any compensation if you’re under the influence of drink or drugs. This could apply even if you’ve only had one drink, so check the small print of your policy carefully.

Any damage or injury you have caused to someone else will be covered under your insurance policy. Insurers are obliged under the Road Traffic Act to pay out to any third party regardless of whether you were drink driving.

Does a drink driving conviction show up on a DBS check?

This will depend on the type of DBS check you get. Standard DBS checks only show unspent convictions, while an enhanced check will show all convictions, including those that are spent and unspent.

Do I have to go through a specialist insurer to get insured following a drink driving conviction?

Not necessarily, but it depends how serious your conviction was. If you were caught attempting to drive a car while over the alcohol limit, you may still be able to get cover through your existing insurer or another standard insurance provider. However, you can expect to pay a lot more for your premiums and you will usually need to pay a much higher voluntary excess (the amount you must pay towards the cost of a claim).

If your conviction was more serious and resulted in imprisonment, you may struggle to find cover with standard insurance providers and you’re more likely to need the help of a specialist provider.

Is drink driving an automatic ban?

If you’re caught drink driving, this carries an obligatory driving disqualification for at least 12 months as laid out by the Road Traffic Offenders Act 1988 section 34 (1).

What code is drink driving?

There are several different codes for drink driving as outlined below:

Can you still drive if charged with drink driving?

If you are caught drink driving, you’ll usually be taken to a police station and detained until you’ve sobered up. If you’re charged with an offence, you may be released on bail and you’ll then need to appear in court a few weeks later.

You’ll be able to drive your car again once you’re under the legal limit and until a driving ban is imposed after your conviction. As soon as your driving ban takes effect you cannot legally drive.

Will taking a drink driving course help reduce my premium?

Taking a Drink Driving Rehabilitation Scheme (DDTS) course can help to reduce both the length of your driving ban and your drink driving insurance costs. Courses last 16 hours and run over three days, spread over three weeks.

The course will help you understand the impact of alcohol use in relation to driving and will look at ways to change your alcohol use in relation to driving. Once you’ve completed the course, you’ll get a certificate of completion and a copy will also be sent to the court that sentenced you. The court will tell the DVLA so that your driving ban is reduced.

Bottom line

Taking out car insurance following a conviction for drink driving is still possible, but you’re likely to pay significantly more for your premiums and face a higher voluntary excess. The more serious the conviction, the higher those premiums will be. In some cases, you may have to turn to a specialist insurer to help you get the cover you require.

Finder survey: Have you ever had points on your driving licence?

Response	55+	45-54	35-44	25-34	16-24
No	67.87%	64.91%	73.31%	72.05%	55.34%
Yes	27.42%	28.07%	17.8%	16.77%	23.3%
Not sure	3.05%	4.09%	6.78%	7.45%	16.5%
Prefer not to say	1.66%	2.92%	2.12%	3.73%	4.85%

Source: Finder survey by Censuswide of 1032 Brits, December 2023

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £524.68

Was this content helpful to you?

Yes No

Thank you for your feedback!

Rachel Wait

linkedin

Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time.

Can a car insurance company drop you? How driving convictions impact car insurance

More guides on Finder

• Can a speed awareness course affect your car insurance?

  Use our guide to find out whether having a speed awareness course can have an impact on your car insurance.

• Voided and cancelled car insurance

  Read our guide to understand why honesty is always the best policy to avoid your car insurance being voided or cancelled.

• Can I hire a car with points on my licence?

  If you have driving points or endorsements on your licence it may be harder to hire a car or in some cases impossible, in our guide we show what the rules mean.

• How driving convictions impact car insurance

  Driving convictions and endorsements can affect the cost of your car insurance. Here we explain how the price can rise, the most common motoring offences, when you need to tell your insurer about a penalty and how long points stays on your licence.

• Can a car insurance company drop you?

  Has your car insurance provider cancelled your policy or refused to renew? Find out why and check out cheap new options.

Feedback

How likely would you be to recommend finder to a friend or colleague?

0

1

2

3

4

5

6

7

8

9

10

Very Unlikely Extremely Likely

Required

Submit

What is your feedback about? What is your feedback about? Site speed Content quality Ease of use Ease of finding information Site appearance Other Required

Please tell us how we can improve Required

Terms and Conditions and Privacy Policy. Submit

Thank you for your feedback.

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

×

Advertiser Disclosure

finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.

Close

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Close

Go to site