Between the years 2005-2015 statistics show that a total of 613,090 people were charged for drink driving offences, with around 97% of those charged being subsequently convicted. Every year an average of 666 people are killed with 3,551 seriously injured in drink driving related accidents. These figures demonstrate how dangerous (and potentially devastating) driving under the influence of alcohol or illegal drugs really is. It impacts individuals on a personal level, and not only the person directly driving the vehicle that caused the accident, but also other people in their life and those of any 3rd party.
Taking aside the personal consequences that may result, from a legal perspective there may be implications for a convicted driver for years to come. As an example, an individual with penalty points or endorsement codes added to their driving licence can expect to see their car insurance premiums skyrocket. In such a scenario drink driving insurance,car insurance with convictions or car insurance with points can be difficult to obtain.
Some of the consequences of drink driving;
- A criminal record
- A driving ban for up to a year
- Substantial fines of up to £5000
- A DR10 endorsement on your licence
In addition to the above, there is also the penalty of paying high insurance premiums fordrink driving insurance to worry about. Often insurance companies will refuse to provide drink driving insurancecover for convicted drivers, seeing them as high risk. If they do provide any cover then you can expect a premium hike by 115% per year.
Similarly, obtaining car insurance with convictions is restrictive and expensive – even if a conviction has nothing to do with driving. Finding insurance for a driver with any kind of criminal conviction is difficult and will very likely result in a higher insurance premium. The reason for this being that it’s statistically proven that people with convictions are more likely to be involved in an accident, and then in turn to make claims on their insurance policy. When applying for car insurance, the insurer will need to be informed of any convictions currently on your licence. However, you are not forced to declare any “spent” criminal convictions – these are convictions that can be ignored after a certain period of time by an insurer. Failure to provide any “unspent” convictions accurately and in full can invalidate your policy and be classed as fraudulent, resulting in future claims being refused and potentially criminal prosecution. Try Compare can help you find car insurance with convictions of any kind, unlike many other providers who only offer cover for specific convictions. All the policies that we source are very competitively priced.
Accumulating points on your driving record is certainly not something to aim for. If you are convicted of a motoring offence, the court can punish you with penalty points on your licence, as well as a fine, and having more than 12 points within three years can get you disqualified from driving altogether. It is always best practice to compare car insurance quotes to ensure you get the best deal for car insurance with points.
Try Compare can help you find cover with the help of specialist insurance brokers, doing the hard work for you. Whether it is drink driving insurance,car insurance with convictions or car insurance with points, contact us today for your FREE quote:www.trycompare.co.uk.
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