Drug Driving Insurance
Car insurance after drug driving convictions?
Are you struggling to find insurance after receiving a drug driving conviction?
Insurance Revolution can help you with that. There are many insurers who will refuse to cover someone with convictions, but we believe in second chances and we are happy to provide drug driving insurance at affordable rates. We understand you have already paid the price for your mistake and we do not think you should continue to be punished by being offered extortionate quotes for your car insurance, this is why we are happy to provide fair and competitive drug driving insurance quotes, to help get you back on the road.
What type of drug driving convictions could our policies cover?
We can provide insurance that covers an array of different drug driving convictions. No matter which conviction you have on your licence, we can cover you correctly. There are multiple different drug driving offences you could receive, we can provide policies for the following drug related offences;
|CD50||Policies for those who have caused death by careless driving when unfit through drugs|
|DG10||We can provide cover for you after driving or attempting to drive with drug level above specified limit|
|DG40||Insurance for those who have been in charge of vehicle while drug level above specified limit|
|DG60||Policies for people who have caused death by careless driving with drug level above the limit|
|DR80||We can cover you after driving or attempting to drive when unfit through drugs|
|DR90||Policies for those who have been in charge of a vehicle when unfit through drugs|
|MR29||Insurance after driving a vehicle while under the influence of alcohol or other substance affecting or diminishing the mental and physical abilities of a driver|
Drug driving convictions with prescription drugs
Most drug driving convictions occur due to people driving or attempting to drive after taking illegal drugs. However you can also receive the same conviction, and a ban for driving under the influence of prescription drugs. You may struggle to find insurance in the same way after being convicted of driving under the influence of prescription drugs, but we can find a policy for you. It is an offence to get behind the wheel if your ability to drive is imparied by prescription drugs. Certain drugs being taken can cause an issue when driving and you should check with your doctor whether you should drive if you are prescribed any of the following drugs;
Morphine or opiate and opioid based drugs. (eg, Codeine or Fentanyl)
You can still drive if you are prescribed these drugs, as long as you are taking the correct directions from your doctor or the drugs are not affecting your driving ability. If you have been convicted of driving over the limit on prescribed drugs, you have come to the right place.
Drug driving convictions with illicit drugs
Thousands of people are convicted yearly for drug driving offences after taking illegal drugs and getting behind the wheel. It can then be a struggle to find insurance, but at Insurance Revolution we understand people make mistakes and we want to help you get back on the road by covering you correctly and offering affordable drug driving insurance quotes.
In 2012 a new approach in regards to drug driving was introduced by the government. This ‘zero tolerance’ approach to drugs was set at a limit where claims of ‘accidental exposure’ to an illicit drug could be ruled out. Most convictions regarding drug driving are through taking illegal drugs rather than ones that are prescribed. If you are found driving or attempting to drive with drugs found in your system above the limits in the table below, you could be handed a drug driving conviction;
|Illegal Drug||Limit - Micrograms per litre of blood (Zero tolerance approach)|
|Lysergic Acid Diethylamide (Acid)||1|
How does drug driving convictions affect car insurance premiums?
Unfortunately having drug driving convictions can affect your premiums negatively. Insurers will generate prices based on risk, they will determine the likelihood of a claim occurring and if you have a history of drug driving offences you will be deemed a higher risk and therefore will see your car insurance premiums increase. Some insurers will not quote at all as the risk will be too high for them. As we are drug driving insurance specialists, we are happy to not only provide you with a quote but we can offer you a fair and competitive quote. You will not always need a specialist insurer as eventually convictions are removed from your driving record, but in the meantime we are here to help you.
How long do you have to declare drug driving convictions?
Typically you would have to declare your convictions to insurers for 5 years. Some convictions can stay on your licence for 4 years and some for 11. If you have a conviction on your licence that is over 5 years old you would still need to inform your insurer but it should not affect the price once it is over 5 years old, although some insurers still may not want to take on the risk so you may still need to speak to a specialist insurer. Once convictions have run their course they will be removed from your licence and you will have a clean record again.
|Conviction||Penalty Points Received||How long will conviction stay on your licence|
We can get you drug driving insurance quote
If you have a motoring conviction for drug driving or any other reason, please give us a call and speak to one of our knowledgeable sales staff. We will be able to get you back on the road without paying unreasonable prices. Alternatively you can click the ‘Get a Quote’ button on this page, fill out the online form and we will give you a call.