Car insurance quotes after drink driving

Insurance companies don’t just randomly decide the amount you pay for your car to be insured. Highly paid specialists called actuaries make complicated statistical calculations based on many variables such as where you live, how old you are, the type of car you have and so on. That way they can take an educated and fairly accurate guess at the odds of you having an accident. When you are caught for drink driving you eliminate a huge amount of that statistical error as the company now knows that with your drink driving, car insurance will now become a huge risk for them.

There are obvious risks with drink driving which could result in you writing off your car or someone else’s vehicle, injuring yourself or your loved ones, or even killing them or some other road users.

Many companies will simply not undertake drink driving car insurance risks; once you are convicted, they don’t want your business at any price. The companies which will be willing to take the risk will penalise you to a huge degree. You may find that your insurance quote jumps up 3 or even 4 times what it was before you were convicted for drink driving, car insurance companies know that you may be a serious risk and the likelihood of getting into another accident or possibly killing other people is greater with you.

Many drivers will try to avoid the huge increase in their car insurance quotes by not declaring the drink driving conviction they have, however that’s a bad idea, you will be paying your premium for no cover at all. As soon as you have an accident and make a claim the company will make enquiries and discover the conviction for drink driving which you did not disclose and are then well within their rights to not pay out for any claim you make, that is, invalidate your claim.

The best way to avoid pricing yourself out of the car insurance market is to avoid drinking when you have to drive. Many people who are caught are not ‘blind drunk’ they are simply a little over the limit. Possibly, in their minds not a risk to other road users, but the courts will still find them guilty and with any kind of drink driving records, car insurance companies react very badly and start thinking in terms of ‘telephone number’ annual premiums.

How can I get cheaper car insurance if I’m convicted of drink driving?

After you receive a conviction for drink driving, car insurance companies will, as we said above, be very harsh. However, all may not be lost and it could be that you have not actually priced yourself out of the car insurance market yet. You will need to spend a considerable amount of time and effort to get your premium down to a rate that is at least manageable, even it is still expensive.

There are now specialist online companies which can help with drink drivers car insurance and can offer assistance in working with insurers to negotiate a better deal for you. This is not an easy way to ‘get off’ with your drink driving and car insurers may put restrictions on your driving and on the policy itself but at least you will have legal car insurance that can help you put your mistake behind you.