Your money: Mine's a huge premium
Insurers find it hard to forgive drink-drivers, writes Nic Cicutti
Sunday 15 December 1996
Home Office statistics show that last year more than 700,000 drivers were breath-tested. About 13 per cent - some 90,000 motorists - gave positive tests or refused to take a test. In either case, the effect is the loss of a licence.
A significant proportion of drivers who test positive are stopped over the Christmas season, a time when barely a day passes without most of us being able to find yet another excuse for a drink.
Last week, insurers warned drivers that the consequence of being over the limit is not only a lost licence and a heavy fine, and possibly a prison sentence. Once the driving ban is served, drink-drivers find that the cost of their insurance cover rockets for several years.
Research by Insurance Advice, a freephone telephone service, shows that a drink-driving conviction adds at least 50 per cent to the cost of car insurance. A second conviction raises this by 200 per cent.
The firm's car insurance arm, Motor Advice, contacted 22 firms, asking them to quote for a 35-year-old man, living in Guildford, driving a Ford Mondeo with a maximum no-claims bonus. Without a protected bonus, the best premium came from Preferred Direct, a broking operation, which charged pounds 162.42. For policies with protected no-claims bonuses, Norwich Union Direct and Guardian Direct quoted between pounds 186 and pounds 190 a year. After one drink-drive conviction, 15 of the companies refused to provide a quote, with the best quote from Dial Direct - without no-claims protection - rising to pounds 280.75.
James Wootten, of Motor Advice, points out: "This is pretty good business for insurance companies since many authorities believe that a person with one drink-drive conviction is very unlikely to re-offend. In fact, their chances of drink-driving again are less than for someone who has never been convicted."
Motor Advice asked for quotes for the same driver, this time after two convictions - in 1991 and 1993 - and a three-year ban.
"By this time it became pretty difficult to find insurance at all," Mr Wootten says. "In this case, only two of the telephone direct companies were prepared to offer a policy. It also becomes expensive. All no-claims discounts are lost because the driver has not been insured for at least two years."
The best quote - of pounds 807 - came from HSBC Select, a specialist broker. Other companies who were prepared to insure this driver quoted up to pounds 535 more than this figure.
Contacts: Insurance Advice: 0500 647005. Freephone cab service, connected to local taxi company: 0800 654321.
No drink-drive convictions
(protected no-claims bonus)
NU Direct pounds 185.99
Preferred Direct pounds 186.65
Guardian Direct pounds 190.09
Touchline pounds 219.00
GA Direct pounds 227.52
One conviction *
(protected no-claims bonus)
Privilege pounds 291.00 (includes pounds 300 excess)
HSBC Select pounds 372.77
Premium Search pounds 373.00
Touchline pounds 377.00
AA pounds 400.30
HSBC Select pounds 807.00
Privilege pounds 905.00 (includes pounds 600 excess)
Auto Elite pounds 967.00
Premium Search pounds 971.00
AA pounds 1,344.80
Driver, 35, max no-claims, lives in Guildford, drives Ford Mondeo, garaged and immobilised. One conviction: in Dec 1995. Two convictions: Dec 1991 and Nov 1993
Source: Motor Advice
- 1 Drugs Live cannabis trial: Hash is less harmful than any other drug, expert claims
- 2 Have sex with your iPad thanks to the new sex toy no-one asked for
- 3 The 'sex selfie stick' lets you FaceTime the inside of a vagina
- 4 Adam Levine's biggest fan had a panic attack upon meeting him, so the singer laid down on the floor to get a photo with him
- 5 Why you're almost certainly more like your father than your mother
Out-of-touch MPs ‘don’t get it’, says ex-Civil Service chief
Mark Zuckerberg: Facebook CEO's one simple test for who to hire
Bali nine: Welcome to 'Execution Island' – the Indonesian holiday resort where foreigners are sent to die
'A girl is more responsible for rape than a boy': The statement that shocked the world... except India
The 'sex selfie stick' lets you FaceTime the inside of a vagina
Durham Free School: 'Creationism taught at' free school facing closure
Nearly 100,000 of Britain's poorest children go hungry after parents' benefits are cut
Ukip would cut billions from Scottish budget to fund English tax cuts
End of the licence fee: BBC to back radical overhaul of how it is funded
Ukraine crisis: Top Chinese diplomat backs Putin and says West should 'abandon zero-sum mentality'
Boris Nemtsov shot dead: Outspoken Putin critic who had expressed fears for his life is killed near the Kremlin
iJobs Money & Business
£8 per hour: Recruitment Genius: This Pension Specialist was established early...
£30 - 35k + Bonus & Benefits: Guru Careers: We are seeking an Executive Assist...
£25000 - £30000 per annum + benefits: Ashdown Group: A global leader operating...
Voluntary post, reasonable expenses reimbursed: Reach Volunteering: Would you ...