Convicted Driver Insurance

For drink driving insurance and cover when you have other motoring or criminal convictions, call our specialist car insurance team on 0330 024 0093.*

It can be tricky getting affordable car insurance for drink driving convictions, or if you have lost your licence through other motoring offences. We’re here to help.

Our specialist motor broking team can offer advice and arrange insurance for convicted drivers, as well as cover for motorists issued with penalty points or returning to the road following a driving ban.*

We may also be able to help if you are struggling because of an insurance or licence offence or have a criminal conviction.

Give us a call if you need assistance with any of the following :

  • Speeding bans
  • Drink driver car insurance, including convictions for

– Driving or attempting to drive with alcohol above the  limit (drink driving conviction code DR10)

– Driving or attempting to drive whilst unfit through drink (DR20)

– Driving or attempting to drive then failing to supply a specimen for analysis (DR30)

– In charge of a vehicle with an alcohol level above the limit (DR40)

– In charge of vehicle while unfit through drink or drugs (DR50)

  • Drug driving car insurance

– Driving or attempting to drive with drug level above the specified limit (DG10)

– In charge of a vehicle while drug level above specified limit (DG40)

– Driving or attempting to drive when unfit through drugs  (DR80)

– In charge of a vehicle when unfit through drugs (DR90)

  • Totting up ban insurance
  • Driving without due care convictions
  • Multiple motor convictions
  • Criminal convictions

* Availability of quotes and cover subject to underwriting criteria and underwriters’ terms and conditions. Some insurers may refuse cover for certain offences and convictions.

Principal Insurance arranges convicted car drivers insurance subject to availability through our motor insurers panel. Please ask if you would like details of the panel. 


Car off the the road? Click here for details of specialist SORN car insurance.


Additional cover options – Pick and choose your cover options to get the exact level of protection that you want, with an extensive range to protect you and your vehicle. Options include Breakdown & Accident Assistance, Motor Legal Protection, Excess Protection and Key Care.


DRIVING IN THE EU IF THERE IS A “NO DEAL” BREXIT: Please click here for advice on the documents you may need to travel in the EU after Brexit (date to be confirmed).


CHEAP CONVICTED DRIVER INSURANCE?

Is there any such thing as cheap convicted driver insurance?

Let’s put our cards on the table here.

If you’ve been found guilty of a serious motoring offence such as drink, drug, careless or dangerous driving, then you can expect your premium to be loaded. Some insurers may not even offer you a quote.

If you’re honest you’ll understand why – and that, in addition to any court or licence penalties, this is the price you pay for your past mistakes.

Here at Principal we recognise that many drivers can learn from those mistakes. We treat every driver as an individual. We are always happy to talk through your circumstances and options with you so we can find the best available deal offered through our specialist panel of motor insurers.

We can also discuss how you might minimise your convicted car driver insurance quote. Here it’s important to remember that your conviction is only part of the mix. Insurers will take into account a range of factors when calculating your quote. These will include your age, driving experience, vehicle, occupation and address.

It might be that you can take action to reduce your car insurance quote.

Secure parking

If you are able to park your car in a garage or private drive, rather than on the public road outside your home, this may reduce your premium.

Telematics

Another potential money-saver is to have a ‘black box’ fitted to your car. This telematics device will monitor how you drive and the miles you do. Your insurer will then be able to see how carefully and attentively you drive.

Change your vehicle

If you’re really struggling you might want to consider changing your car. It’s a simple equation: vehicles in higher insurance groups attract higher premiums.

High performance cars, with their powerful acceleration and superior top speeds, will be found among the top end of the 50 car insurance groups. Trading down for a more modest motor could help.

Agree a voluntary excess

Some insurers may reduce your premium if you agree to pay a higher excess. The excess is the amount you must pay towards the cost of any claim you make on your policy.

Rehabilitation courses

If you have a drink-driving conviction, some insurers may look more kindly upon you if you have subsequently completed a drink-driving rehabilitation course.

Reduce your mileage

If you drive fewer miles, then you will lower your overall risk.

FOR A GREAT QUOTE call 0330 024 0093

For the best quote chat to our friendly and informed UK-based call centre team

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