Insurance With Drug Driving Convictions

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There are many convictions that can affect your car insurance premiums, one of which is driving under the influence of illegal drugs. If you are caught in control of a vehicle whilst under the influence of illegal substances, it can make finding cover in the future incredibly difficult, and some insurers will not be willing to cover anyone with a DR8 conviction.

It is estimated that the average insurance premiums will increase by around 78% after a conviction. Although a drug driving conviction makes it more difficult to find insurance it is by no means impossible. There are insurance providers out there that are willing to help you get behind the wheel once again and to help you put your mistakes in the past.

It is also important that drivers know that it isn’t just illegal drugs that can see you landed with a drug driving conviction, driving whilst taking certain prescribed medications can also affect your driving. Therefore you should always check with your doctor whether the drugs you are prescribed will hinder your driving ability.

Drug Driving Penalties

The punishments for being caught driving under the influence of drugs vary; you can receive a minimum 1-year driving ban, a fine of up to £5,000, a criminal record and even a prison sentence if you cause injury or death through drug driving.

If you have a drug-driving penalty in the UK you have to declare it to your current insurer or announce it to an insurance company when searching for a quote. If you don’t, your cover will be void, meaning you could be driving without valid insurance.

What type of insurance cover can you get with a drug driving conviction?

The insurance on offer will vary from provider to provider but by comparing insurance for convicted drivers you can find fully comprehensive, Third Party, Fire and Theft and Third Party Only policies.


Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.