Drink Driving. Impact of conviction on insurance premiums?

Not me.

A relative foolishly decided to have a drink then drive, resulting in a ban.

They have completed the required course resulting in their driving licence being returned earlier. They have applied for their licence and waiting for it.

However, I am curious about the impact of such a conviction on insurance costs.

Any ideas?

Thanks!

You need to visit DrinkDrivingTrackWorld.

https://www.forum.drinkdriving.org/

i would hazard a guess it would go up significantly to appropriately reflect the much higher risks this driver poses.

DrP

My insurer is at great pains to point out that I’m not covered if under the influence of drink or drugs. If so, they’d be bloody cheeky to charge me more for the few times I’m not off my face.

i would hazard a guess it would go up significantly to appropriately reflect the much higher risks this driver poses.

Dunno… If I get caught I won’t do it anymore 😀 joool neva tekk me alllivfe coppa *hic*

A family member is coming to the end of their drink driving ban. *Apparently* the premiums that are coming back are not appreciably higher than before they got banned. Which was surprising to say the least.

My insurer is at great pains to point out that I’m not covered if under the influence of drink or drugs.

You’re not but third parties you injure will be.

Well, when he gets his license back you can ask him how much his premiums have gone up when he gets back on the road.

Sorry, got no time for drink drivers.

*Apparently* the premiums that are coming back are not appreciably higher than before they got banned. Which was surprising to say the least.

Perhaps (statistically) people convicted of drink driving aren’t likely to re-offend or be more likely to be involved in accidents than people that have never drink driven / been caught for drink driving?

“Perhaps (statistically) people convicted of drink driving aren’t likely to re-offend or be more likely to be involved in accidents than people that have never drink driven / been caught for drink driving?”

I think there is something in that. He was saying if he gets done for even the smallest of infractions ie speeding ticket then it is automatically a multi year ban.

Therefore I would expect him to be a squeeky clean driver for the foreseeable and presumably a lower risk than the rest of us.

I bumped a car in a car park and my premiums went up by nearly £100. I’m no more likely to bump a car in a car park again than I am drink a bottle of vodka and drive through commercial road on a Saturday afternoon. The insurance sharks will put the premiums up purely because they can, so he/she should expect a hike.

I bumped a car in a car park and my premiums went up by nearly £100. I’m no more likely to bump a car in a car park again than I am drink a bottle of vodka and drive through commercial road on a Saturday afternoon.

But you bump a car and you are classed a crap driver who is likely to do it again (so they put your premiums up). You drink drive once and realise what an utter prick you were and never do it again (perhaps because the impact of having a drink driving conviction brings and the potential for an even longer ban if you do it again). Not saying this is why premiums don’t go up much, just suggesting it *may* be a reason for it.

Edit: Also the insurance company doesn’t have a financial impact of your drink driving conviction (unless you are involved in a crash obviously). And I would suggest that you *are* more likely to have another bump in a car park than drink a litre of vodka and get in your car.

Too many variables to give you an answer (area, age, reading, vehicle etc), anything from nothing to lots.

We’ve an insurer on our panel who only quote for naughty drivers, seem reasonably priced. A great deal won’t touch them. Some will charge them a fair whack more.

If you are genially curious, the only way you’ll find out is by asking your pal.

I bumped a car in a car park and my premiums went up by nearly £100. I’m no more likely to bump a car in a car park again than I am drink a bottle of vodka and drive through commercial road on a Saturday afternoon.

But you bumped a car sober – so that’s the best kind of driver you can be expected to be in future. In the OP’s example the driver was drunk at the wheel but hasn’t bumped into anything  – they’re a better driver than you even when they’re drunk. 🙂

they’re a better driver than you even when they’re drunk.

That’s gotta hurt 🙂

Harsh but fair!

Depends how long the ban has been, If theyve had to take a course I suspect its a long one, in which case the “Any accidents claims or convictions in the last 5 years?” question is less relevant as it could almost be spent in the eyes of the insurance.
DD stays on your licence for 11 years though. seen to be a “spent conviction” after 3

Many years ago, Back when I was young and very stupid, I got caught getting in to my car and sitting in the drivers seat after a big night out
I was getting my bag out to walk home, but the police were on a crackdown, I went along with their recomendations and ended up much worse off as a result
30 month ban, community service etc
I should have failed to provide a specimen instead and taken the automatic 18 months ban.

On the plus side, I got to ride my bike everywhere for 2.5 years, I got sober in that time too and havent had a drink since. (24 years now)

Premium will go up, but it may not be as much as you think

Harsh but fair!

Agreed, I’m shit! but surely I’d be bumping cars all the time if it was my poor driving at fault! I’ve done it once in 30+ years! And it was my car’s fault not mine (beepers didn’t work) 😆
I guess it’s a deterioration thing with age. 🙁

surely I’d be bumping cars all the time if it was my poor driving at fault!

You might be an okay driver, just not quite a SurfMatt…

In a former lifetime I had a sum up of points to the point of a ban, my post ban premiums were 3, 4 times higher than before, it took 5 years for these to return to normal levels.

Before the public flaming begins, I learnt many important lessons in the first couple of years after my test. My final points were for 81mph on the M1, so please only judge if you have never done such terrible things yourselves 😉

I had a sum up of points to the point of a ban,

In other words, you continued offending even knowing you were approaching a ban amd knowing that your next speeding conviction would see you off the road you kept speeding? Effectively you declared yourself to be a dangerous driver and, unsurprisingly, your premiums reflected that.

Ex-colleague of mine was banned for 18 months, and – like me – was surprised that it had little effect on his insurance when back driving. We’re talking a few pounds here.

I bumped a car in a car park and my premiums went up by nearly £100. I’m no more likely to bump a car in a car park again than I am drink a bottle of vodka and drive through commercial road on a Saturday afternoon. The insurance sharks will put the premiums up purely because they can.

The only part of this post that is accurate, is the bit about you bumping into another car and your premium rising (possibly)
The rest of it is just not true at all.

You clearly don’t know how insurance premiums are calculated.

you declared yourself to be a dangerous driver and, unsurprisingly, your premiums reflected that.

I’m sure he’s aware of his former live’s criminality and foolishness. 81!M!P!H! nobody goes that slow round here.

Before the public flaming begins, I learnt many important lessons in the first couple of years after my test. My final points were for 81mph on the M1, so please only judge if you have never done such terrible things yourselves 😉

people give themselves so much comfort that ‘everyone else is doing it’

If ‘everyone else is doing it’ then somehow 85% of them manage their whole driving career without getting caught – not once, let alone so many times in succession to get a ban.

Thats why premiums get hiked for people with speeding convictions – they don’t learn from it because they think what they were doing is ‘normal’. Comparatively a ban for drink driving tends to be a massive wake up call – theres pretty significant stigma and inconvenience that comes from it and its likely (unless someone has severe drink problems) to change and improve driver’s future behaviour.

I learnt many important lessons in the first couple of years after my test.

the idea is to do the learning before the test. 🙂

The rest of it is just not true at all.

How very clever you are to think that I am likely to drive through commercial Road necking vodka. Duh.
insurance sharks
Is the true bit.

Quite a lot. My brother got caught, my dad’s premiums on a similar car (in a probably slightly worse area, admittedly) went up to 5 to 10x as much as mine to have him on it when he got his license back.

No.
I said it was incorrect to say that you are

…no more likely to bump a car in a car park again than I am drink a bottle of vodka and drive through commercial road

As you have done the former once before, you are statistically more likely to do it again (than someone who hasn’t.)

That’s why your premiums went up so much.

Don’t drink and drive, you’ll only spill it.

As you have done the former once before, you are statistically more likely to do it again (than someone who hasn’t.)

That’s why your premiums went up so much.

If the carpark bump got you a 2 year ban, and the threat that if you have another carpark bump you’ll be banned for life or maybe even go to prison, would you drive more carefully in carparks?

The insurance sharks will put the premiums up purely because they can, so he/she should expect a hike.

So given that insurance companies must take money from drivers, and use said money to pay for repairs to damages sustained to the vehicles and surroundings caused by said drivers; whist covering their administration fees and then at a minimum break even…

What pricing model would you suggest that is fairer than the current one of a statistical risk based analysis of information on the driver?

Yet insurance premium is *massive* following not having Insurance conviction….

As you have done the former once before, you are statistically more likely to do it again

So, before I hit the car in the car park, I was less likely to hit a car in a car park, than after I’d hit a car in a car park. Even though I did do the former and am extremely unlikely to do the latter.

That’s why your premiums went up so much.

**** me, people talk such bollocks on here.

If you have made a claim for hitting a car in a carpark, you are a higher risk of future claims than someone who has never made a claim before.

It’s not rocket science. It’s statistical analysis.

It’s really simple. They have decades of claims data, and that’s how they calculate the risk.
You’ve made yourself a worse risk by claiming.
It’s not “insurance sharks”
It’s just claims data backing up the fact that bad drivers people who present an increased risk should pay more.

👍

**** me, people talk such bollocks on here

They do aye