Can You Get Car Insurance After a Drink Driving Ban?
The honest answer? Yes, you can. But - and this is a big one; it's rarely as straightforward or affordable as it once was. A drink driving conviction puts you into a high-risk category in the eyes of insurers, which means they'll want more money to cover you, if they're willing to at all.
Still, being disqualified doesn't mean you're blacklisted forever. Once your ban is over and your licence is reinstated, there are routes back to getting cover - though it might take some legwork and a thick skin at quote time.
Why It's More Difficult After a Drink Driving Conviction
Insurance companies assess risk. That's their entire business model. And a drink driving offence - usually noted as DR10 on your licence; suggests a heightened risk of accidents, claims, and potentially dangerous driving behaviour.
Because of that, some insurers simply won't offer cover at all. Others will - but expect much higher premiums, limited policy options, and requests for more detailed personal information. Think of it as the insurance version of probation.
What to Expect When Applying for Cover
Here's what typically comes with the territory when trying to get insured post-ban:
- Higher premiums - Sometimes double or even triple the standard rates.
- Fewer providers willing to quote - Many mainstream insurers won't offer policies to convicted drivers.
- Specialist insurers - There are companies that cater specifically to higher-risk drivers.
- Upfront payments - Some may not allow you to pay monthly after a serious conviction.
Just imagine: someone gets their licence back after a 12-month ban. They're excited to start fresh. Then they input their details into a price comparison site and see nothing but blank screens or sky-high numbers. It's disheartening - but it's not the end of the road.
Ways to Reduce the Cost of Cover
Whilst you won't escape the higher premiums entirely, there are things you can do to soften the blow:
- Take a rehabilitation course - The Drink Driving Rehabilitation Scheme (DDRS) is recognised by some insurers and may reduce premiums.
- Drive a lower-risk vehicle - Something in a low insurance group with modest power and low repair costs.
- Limit your mileage - The fewer miles you do, the less risk you pose statistically.
- Add a named driver - Adding an experienced, claim-free driver can reduce the overall risk profile.
- Consider a telematics (black box) policy - Prove your current driving is safe and sensible in real time.
It's all about showing that your past mistake doesn't define your future behaviour.
How Long Will the Conviction Affect Insurance?
That DR10 code stays on your licence for **11 years**, but insurers typically focus on convictions from the past **five years**. After that, you may find quotes gradually becoming more forgiving; assuming your record stays clean in the meantime.
The first year or two after your ban ends will usually be the toughest. But keep things steady and sensible, and you'll work your way back to more reasonable premiums.
Ending on the Right Note:: Redemption Is Possible, With Patience
Being banned for drink driving is a serious matter, and insurers treat it as such. But once you've served your time, completed any required courses, and had your licence returned, you can get insured again.
It may take a few extra steps, and the prices won't be pleasant at first; but there is light at the end of the tunnel.
Click here to compare car insurance quotes tailored for convicted drivers, find cover that gets you back on the road legally and responsibly, no judgement attached.