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Affordable Premiums For Drink And Drug Insurance
A drink or drug driving conviction can be a complex and stressful event. From knowingly driving under the influence of alcohol or drugs to prescription medication that impairs your ability to drive, there are many incidents that could result in a conviction.
Following a conviction, getting car or van insurance again can be challenging. It is common for insurers to refuse coverage for those with a previous drink or drug driving conviction. For insurers that do provide cover for convicted drivers, the policy premiums can be incredibly expensive.
We understand that navigating a conviction can be complex; that’s why First General focus on making insurance as stress-free as possible for drink and drug convictions. We specialise in convicted driver insurance cover and work with a wide panel of insurers that provides drink and drug insurance policies.
Working with a panel of specific insurers that provide competitive quotes along with our know-how for keeping insurance premium costs down after a conviction can help you receive an affordable quote that gets you safely back behind the wheel again.
First General – first choice for drink and drug insurance
A drink or drug offence can lead to lasting implications. Even if your conviction allows you to drive again, the penalty code will remain on your licence for four years. After a conviction, insurers will consider a convicted driver as high risk, which naturally leads to an increase in premiums. However, this cost can be so high in some cases that being able to drive again feels out of reach.
This is where First General can help. We work hard to find the insurers that offer competitively priced insurance quotes so that those with convictions are able to safely get back on the road again. We believe in fair and honest quotes and work with providers that will take into account spent convictions and risk-lowering solutions that can help to bring the cost down.
Our team help to guide clients in finding ways to lower their insurance premiums. This could include taking out a dashcam insurance policy, where a dashcam is installed in the vehicle to record any incidents and provide vital evidence when needed. A dashcam can help protect vehicles from theft or vandalism, adding peace of mind when leaving your car.
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Other ways to help lower premiums for drink and drug insurance include:
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Undertaking rehabilitation courses that educate drivers about the risk of drink and drugs
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Improve driving skills with training that’s accredited and recognised by insurers
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Reduce your mileage but make sure not to invalidate insurance by driving more miles than stated
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Increase your voluntary excess if you’re financially able to do so
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Choose a vehicle that is in the lowest insurance band
How to find drink and drug car insurance
Many insurers will refuse to insure someone with a drink or drug driving conviction. As a result, when looking for car or van insurance, it is best to focus on specialist drink and drug insurance policies. Insurers who specialise in these policies will understand the different levels of conviction and accurately assess the risk to provide reasonable insurance quotes.
At First General, we take the stress away from searching the market for insurers that offer drink and drug insurance. Our specialist advisors work with a panel of insurers, all of which offer insurance for convicted drivers.
What’s more, we work closely with the providers to compare the market on your behalf and find you the best deal.
Save time, money and stress by trusting First General to search for the best insurance deals on your behalf.
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What drink and drug driving offences can we cover?
It is common to assume that a drink driving offence is simply being caught driving while under the influence. However, drink and drug driving offences can be more complex than this. The different types of offences come under different conviction codes such as DR10, CD50 and DG60.
The conviction codes that are used for a specific drink or drug driving incident include DR10, DR20, DR30, DR31 and DR61.
For offences where drugs or alcohol cause careless driving, the conviction codes include CD40, CD50, CD60 and CD70.
In some cases, where there is a specific drug driving conviction, such as driving with a drug level that exceeds a specified limit, such as for some prescription drugs, then you may receive a conviction code such as DG10, DG40, DG60, DR80 and DR90.
As there are so many different categories of offences, there are many different conviction codes that can be confusing when looking for insurance. First General make finding insurance with a conviction code simple. We’ll take time to understand exactly what you’re looking for and then search a panel of conviction-specific insurers to find you the best value quote.
Simply call our team or fill in our quick quote form, and we’ll search for the most affordable deals around.