How long do I have to declare drink driving to insurance?Last modified:
The quick answer is 5 years.
A drink driving conviction or DR10 endorsement will remain on your driving licence for 11 years from the date of conviction.
However, these points are considered ‘spent’ under the Rehabilitation of Offenders Act 1974 after 5 years.
Here’s where it gets complicated…
Insurance providers are not allowed to make policy decisions based on “spent” convictions.
If they ask you if you have any “endorsements” on your licence in the previous 11 years and make any decisions, such as raising your premiums based on “spent” convictions, this is seen as unlawful by a High Court ruling in 2002 and you could make a legitimate complaint against them.
That said, it’s a slippery slope and if they ask you, you have to tell the truth.
Ask me no questions and I’ll tell you no lies
This is why using a specialist convicted driver insurance company often has its benefits. Whereas some insurers refuse to insure drivers with previous drink driving convictions because they are seen as too high risk, specialist providers often do not require you to declare your motoring convictions once they are “spent” regardless of how long they remain on your licence for.
You must always declare unspent convictions to insurers. Failure to do so could invalidate your policy. Worst case you could then be facing additional points, a fine and even a ban due to driving without insurance (IN10).
If you have a DR10 conviction, it’s always advisable to read the Terms and Conditions of any insurance policy, just to be sure that no assumptions concerning your driving history have been made. You may not have not been asked any explicit questions concerning your convictions, but it’s a very good idea to check that questions haven’t been answered for you in the small print.
Reducing drink driver insurance premiums
Depending on your circumstances, ways to reduce your insurance premiums could include agreeing to:
- A higher excess
- A limited mileage policy
- A black box / telematic policy
- Take a Drink Driving Rehabilitation Course (this won’t reduce the cost of your insurance directly, but reduces the amount of time that you’re banned from driving.)