Cheap Car Insurance for Drink Drivers

If you have recently been banned from driving after being convicted of a drink driving offence, you may be concerned how this will affect your prospects of being insured. As someone banned from driving, you should still be able to get cover for your car in one form or another.

If you are returning to driving following a ban for drink driving and need cover for your car or van, you may be eligible for Convicted Driver insurance for drink drivers.

Recently Banned from Driving…What Are My Insurance Options?

Following a recent ban from driving, you may still want to keep possession of your vehicle for when your ban is lifted, and during the period you are banned you will want to have your car suitably insured. This can be achieved by taking out an insurance product called Laid-Up insurance. A Laid-up insurance policy is taken out by motorists who don’t use their car regularly such as people with show cars or classic cars, and it can also be used by those who are undertaking repairs on a car that isn’t roadworthy or whilst building a kit car. It can also be used by drivers who aren’t using their car for other reasons, such as they have received a driving ban, as it allows a car or vehicle to be insured against fire and theft if not in use, such as a car that has been declared SORN. However, there are usually some conditions attached to the policy such as how and where the car is stored, so make sure you understand what the conditions are before taking out a policy.

Under the Terms and Conditions of your current policy, you will more than likely be required to inform your current insurer of your driving conviction and the driving ban associated with it. Depending on the company you are insured with, you may have your policy terminated. However, this might not be the case for all providers, and you may be able to downgrade your cover level to a Fire & Theft policy. In circumstances such as receiving a driving ban, it’s always best to check your policy documents and carefully read through the Terms and Conditions to see what your options are and what is required of you.

Cancelling your current policy may be your only option after receiving a drink driving ban, especially if your current provider doesn’t allow you the opportunity to downgrade your cover to one that reflects your current circumstances.

Knowing what to do about your Car insurance if you are expecting to receive a drink driving ban is just the start, and you should seriously be thinking about cover for when you return to driving. If you are offered the chance to participate in a drink driving rehabilitation course under the Driving Standards Agency’s Drink Driving Rehabilitation Scheme, you should seriously consider accepting the offer. Not only can this help you reduce the length of your ban by up to 25%, you could also save money on a Convicted Driver insurance policy when it’s time to return to driving.

Returning from a Driving Ban? Think About Convicted Driver Insurance

When returning from a driving ban for any offence, whether it’s for drink driving or something else, you will notice that your previous or current Car insurance provider has raised your insurance premium. You may also find that getting Car insurance for anywhere near the price you paid before you were banned from driving due to a drink driving conviction, is almost impossible. Having received a drink driving ban, you should expect to be faced with higher premiums if you decide to go through a comparison site for a quote and you’ll probably struggle to find a price that meets your expectations.

Having a driving conviction associated with your driving licence almost always means a higher premium. This is because insurance underwriters now see you as a higher risk – in a similar way they see young drivers as higher risks. This means your best chance of finding a Car insurance quote that you’re happy with is to find a broker that specialises in policies for convicted drivers.

A Convicted Driver insurance policy is specifically designed for motorists with convictions. Whether it’s someone returning from a driving ban for drink driving, any other driving offence or even a non-motoring conviction. The process is relatively simple and almost identical to taking out a policy prior to your drink driving ban. In addition to the usual questions, you will also be asked about your driving conviction, and in the case of drink driving ban, you may be asked whether you have participated in the Drink Driving Rehabilitation Scheme by completing a drink driving rehabilitation course.

Looking For Cheap Car insurance For Drink Drivers?

Every motorist is looking for a way to get the cheapest car insurance quote they can, and it’s no secret that for some UK drivers it can often be a difficult thing to achieve. Drivers in some of the more high risk categories, such as convicted drink drivers, will be well aware of this difficulty.

Insurance premiums for motorists with convictions can often skyrocket, and in some cases insurance companies may flat out deny drink drivers insurance quotes. High insurance premiums can often lead to motorists taking the absolute cheapest deal they can, and like in many other walks of life, the cheapest policy may not the be the best Drink Drivers insurance policy available. When taking out any insurance policy, whether that’s for your car, home or anything else, it’s incredibly important that you make sure you have the best policy for you and your circumstances. If you opt for the cheapest policy, you may find out that it’s not the right policy for you at the time you need it the most! 

Don’t Lie!

The temptation of lying or completely forgoing an insurance policy is a common mistake that some people in the same position as you may choose to make. Don’t! This lapse in judgement may have bigger consequences for your insurance than you already face. With insurance premiums being high for those who have convictions, you may be tempted to lie about it. Not only is this illegal, but if you fail to notify your insurance provider of your conviction and they find out, you may find your insurance policy is cancelled and potentially made void, meaning it never existed in the first place. This can be even more problematic if you were to have any outstanding claims and have to pay them out of your own pocket. 

To drive on a public road, it is a legal requirement for you to have a minimum level of insurance. If you have decided to forgo insurance due to an existing conviction making insurance too expensive, then you may find yourself with far worse financial ramifications. If you are caught without insurance, the police may hand out a minimum fine of £300 and 6 penalty points. If the police deem your case to be more severe, then you could be sent to court where you may receive an unlimited fine or even a disqualification from driving. During this time your vehicle may also be seized by the police – regardless of ownership. 

The easiest way to prevent this from happening is be truthful and upfront about your convictions. In doing so, our specialised sales team can offer advice on how you may potentially lower your premiums, to keep the cost down as much as possible. 

Convicted Driver Insurance Quotes

If you’re looking for Car insurance after a drink driving ban, you’ll be on the hunt for a cheap quote, and your best bet of finding a good Convicted Driver insurance quote is to find a reputable Drink Driving insurance specialist. Some insurance companies won’t cover you at all, while other mainstream car insurance brokers may offer cover but at a very expensive rate, however even then they may not fully understand the Convicted Driver insurance market, and how to get you a cheap insurance quote. You need to make sure the insurance policy offered is right for you and your driving record, and this is why it’s always best to go with a Convicted Driver insurance broker, such as Think Insurance.

Experts For Drink Driving Insurance

Specialist Drink Driving insurance brokers like Think Insurance are often experts when it comes to Convicted Drivers, and have extensive experience at dealing with motorists who are looking for cheap Drink Drive insurance. We deal with convicted drivers every day, so we are well aware of the needs of convicted drivers, unlike many mainstream insurance companies.

When it comes to getting your car serviced or your MOT done, many motorists will go to garages they have used for years, and which they know and trust to give them honest opinions and fair prices. There’s no reason why, when it comes to your insurance, that can’t be the same! At Think Insurance we aim to find you the best quote available from our panel of Drink Drive insurers. We try to make the process as hassle free as possible, so that you can get back on the road. We also aim to make the renewal process just as efficient so there’s no hassle when you come to renew.

Why Choose Think For Convicted Driver Insurance?

If you want a Drink Drive insurance policy that’s tailored for you then get in touch with Think Insurance. We have a team of dedicated professionals who are experts in Convicted Driver insurance, and know how to get you the best Drink Driving insurance quote.

We work with drink drive rehabilitation course providers across the UK, offering their attendees a discount once they’ve completed the course. We can also offer the following features and benefits:

• All convictions considered
• Course completion discounts
• Specialist convicted driver team
• Convicted van drivers covered
• Non-motoring convictions covered
• ‘UK Broker of the Year’ for 3 years running
• Free EU cover up to 30 days
• UK & EU Breakdown cover
• Legal Protection cover available
• No Claims Bonus Protection available
• Flexible payment options

Get a Convicted Driver Insurance Quote with Think

If you’re reading this FAQ, it’s more than likely that this is your first time finding an policy as a convicted driver, which means you may have further questions about taking out a Convicted Driver insurance policy. Our team of experts have spoken to thousands of motorists like you and can guide you on your path to finding a policy that works for you.

To speak to a member of the Think team please call 0800 221 8077 or if you would like to start the quotation process, click the ‘Get a quote’ button below.