How does a drink driving conviction affect my insurance?
Driving convictions are likely to increase the cost of your premium and you might even find it hard to get cover at all.
If you’ve been with the same insurance provider for a while and have historically had a good driving record, then it might be best to stick with them rather than trying to find another. But if you can’t renew your insurance then there are specialist companies that can help you. However, the hard truth is, that whoever insures you, getting cover with a conviction is l to be expensive. If you do go on a drink drive rehabilitation course, then this will be in your favour as some insurance providers see this as a positive thing.
You can help lower the cost of your insurance by doing things like increasing your excess (although make sure you can still afford it). The total excess is a combination of a voluntary and a compulsory. You will probably have a higher compulsory excess with a driving conviction. You could also add an experienced named driver with a spotless driving record to your policy which could possibly lower the cost.
Another way of reducing your premium post-conviction, is to limit your mileage – the fewer miles you do, the lower your premium is likely to be. But be truthful, saying you’ll only do 5,000 miles when you drive for four hours every day will only wind up with your policy being invalidated if caught out or you being charged an additional premium to rate the policy correctly.
Increasing the security of your car could also help with insurance costs – if you can’t park it overnight in a secure garage or driveway then adding an approved security system or immobiliser could help.