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Drinking alcohol in excess of the drink-drive limit is proven to be very dangerous, and drink driving has slowly become socially unacceptable in the UK. Drink driving is considered to be a major motoring offence by authorities and could result in severe penalties on your licence. Having any convictions (such as a DR10) will have a negative impact on your insurance costs, with many insurers refusing to provide any cover at all. With DR10 insurance a 50-year-old driver can expect to have his annual insurance premiums raised to around 121% of what it would be without a conviction. DR10 insurance for young drivers can also have a significant increase in the annual premium price; around 53% more than non-conviction insurance. Insurance companies aren’t just financially penalising drivers for the sake of it, they weigh up the risk factors of a convicted driver and come to the conclusion that they are currently more likely to be involved in an incident. Those that insurers consider to be high risk individuals will ultimately have to pay extra for their associated risk. In time as these risks reduce, so too will insurance costs.
The perceived extra risk by insurers is backed up by hard data. Department of Transport figures state that 6% of all road casualties and 14% of all road deaths can be attributed to drink driving. Around 3000 people are killed or injured fatally every year due to drink and drive collisions. To make sure motorists understand the seriousness of this offence, the punishment for a drink driving conviction may not only be a penalty applied to a driving license, but also a hefty fine of up to £5000, a potential 12-month driving ban and in some cases prison time.
It is imperative that your insurer is fully aware of any convictions (such as drink driving) that you might have. Your insurer can be of great help to you in the event of an accident, however, if it transpires that you have not divulged all the information that you should have, any claim may be rejected outright and your policy made invalid. Any insurance company will refuse to honour a claim in the case of non-disclosure of convictions.