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If you've been convicted of drink driving in the past, you already know how hard it is to get car insurance that doesn't cost a motza. We get it.
But before you lose hope, know that getting cover is possible. Keep reading to find out how.
You can still get insurance if you've been convicted of drink driving, it's just a bit harder to get covered. Here are some quick tips that may increase your chances of finding an insurer that will cover you:
Many insurers will cover you if you have only a single DUI on your record. With a little digging around, even those with multiple suspensions will be able to find someone to cover them.
Insurers will ask you about your history when you apply for a quote - usually asking you to report only those offences that have occurred within a certain time frame (anywhere from 2-5 years).
They typically handle past offences one of three ways:
However, unless you’ve got a string of serious drink-driving convictions, you should still be able to find an insurer willing to provide cover. Not all insurers assess convicted drivers the same way, and a 2016 investigation by NewsCorp showed that one of Australia’s largest insurance providers does not place any significant premium increases on people convicted of driving under the influence of drugs or alcohol.
What does this mean for you? Well, if you’re looking for DUI car insurance in Australia, you’ll need to shop around for the best value for money.
The effect a drink-driving conviction has on your car insurance premium varies between insurers. It could lead to:
There are a number of steps you can take to increase your chances of getting cover in place if you have been convicted of drink driving.
By taking the time to compare your options and shop around, you should be able to find the most cost-effective option for your vehicle.
There’s plenty more you can do to help reduce the impact an Australian DUI conviction will have on your car insurance premiums. You can:
There are plenty of other simple things you can do to lower your car insurance premiums. Our guide to cheap* car insurance can help you find more affordable cover.
If you get behind the wheel of your car when you’re over the legal blood-alcohol limit of 0.05 (or 0 for L- and P-platers), your car insurance won’t cover you for any resulting claims. However, your cover could also be affected even if you’re under the legal limit – if you’re under the influence of alcohol or it is affecting your judgement, your insurer may refuse any claims.
The same goes if you hit the road while under the influence of any drug, while refusing to undergo an alcohol or drug test will also void your insurance.
With this in mind, if you’ve had anything to drink or you’re under the influence of any drug, stay safe and stay off the road.
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if a person has had a drug driving offence and has got a 3 month suspension how can they get full comprehensive insurance they have had no luck so I said I would try and help cheers Eileen
Hi Eileen,
Thanks for your question.
Yes, it may be difficult to get insurance after suspension of the license due to a drug driving offense. Though there are still insurers who would offer insurance, more likely they would charge higher premiums or impose additional excess. If in case you’d like to check the brands that offer comprehensive car insurance policies, it would be best to speak to the insurer directly to discuss quotes and the level of insurance options.
Before applying, please ensure that you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.
Hope this helps.
Cheers,
May