Drink Drive Specialist Insurers

Facing a drink driving conviction is a serious matter with significant repercussions, including finding car insurance. The challenge might seem daunting, but there are paths through which drivers can navigate this difficult period, including specialist insurers, gadgets to monitor alcohol intake, and rehabilitation courses. Let???s explore the options available to help drink drivers buy insurance and possibly reduce their premiums.

Are there insurers specialising in policies for drink drivers?

Yes, specialist insurers cater specifically to motorists with convictions, including drink driving offences. These providers understand that everyone deserves a second chance and offer cover that acknowledges the increased risk without making insurance unattainable. Finding these insurers might require a bit more effort, but they offer a lifeline to those who might otherwise struggle to obtain insurance.

Alcohol meters or breathalyser interlocks are devices installed in a vehicle that require the driver to take a breath test before the car starts. Some insurers view the willingness to install such a device as a positive step towards responsible driving, potentially leading to reduced premiums. It???s a way for drivers to prove their commitment to staying sober on the road. However, it???s worth noting that the acceptance and impact of these devices can vary between insurance providers.

What rehabilitation courses are available?

Rehabilitation courses for drink drivers are designed to educate offenders about the dangers of drink driving and to reduce the likelihood of reoffending. The most recognised course is the Drink Drive Rehabilitation Scheme (DDRS), which, upon completion, can also lead to a reduction in the disqualification period. Insurers often look favourably on drivers who have taken the initiative to complete such a course, recognising their efforts to reform their driving habits.

How do drink drivers find these insurers and resources?

Finding insurers and resources that cater to drink drivers involves a bit of research:

• Specialist brokers: Brokers who specialise in high-risk insurance can be invaluable. They have the expertise and contacts to find insurers willing to provide cover for drink drivers.
• Online forums and support groups: These can be great places to share experiences and tips on finding insurance and dealing with the consequences of a conviction.
• Direct inquiries: Contacting insurers directly to discuss your situation can sometimes lead to tailored advice and options you might not find elsewhere.

Regarding gadgets like alcohol meters and rehabilitation courses, a good starting point is the sentencing court, which can provide information on approved courses. Additionally, some insurance providers may offer recommendations or partnerships with course providers.

What are the insurance and legal consequences of convictions?

Drink driving convictions carry several insurance and legal consequences:

• Increased premiums: Insurers consider convicted drivers to be high-risk, often resulting in higher insurance costs.
• Restrictions: Some insurers may not offer cover to drivers with recent drink driving convictions, or they may impose certain restrictions on policies.
• Legal penalties: Besides the immediate penalties such as fines, disqualification, and potentially imprisonment, a conviction can affect your ability to drive for work and impact your personal life.

Despite these difficulties, completing rehabilitation courses and demonstrating a commitment to change can positively influence insurers and help mitigate some of the insurance-related consequences.

Can completing a course or using a gadget guarantee lower premiums?

While there are no guarantees, taking proactive steps such as completing a DDRS course or volunteering to use an alcohol meter can positively influence how insurers view your risk level. These actions demonstrate a commitment to safe driving and a lower likelihood of reoffending, which can lead to more favourable insurance terms.

Securing insurance after a drink driving conviction is undoubtedly more challenging, but it???s not impossible. By exploring specialist insurers, considering the use of alcohol meters, and completing rehabilitation courses, drivers can find viable paths to obtaining cover. The key is to show a genuine commitment to changing driving behaviours and understanding the responsibilities of being on the road.

Are you looking for insurance options after a drink driving conviction? Click the quote button for convicted driver vehicle insurance quotes and start your journey towards finding a policy that understands your needs and supports your path to safer driving.