Insurance And Drink Driving
Driving under the influence of alcohol and other intoxicating substances is a serious offence in the United Kingdom - not to mention the rest of the world. Though drink driving may seem harmless on an occasional late night of partying, its result is usually fatal, with approximately 3,000 people in Great Britain killed each year in drink-driving related road accidents.
But what is a drink driving offence exactly? It is driving or attempting to drive a motor vehicle while under the influence of alcohol that exceeds legal limit. The prescribed alcohol limit in the UK is 35 micrograms of alcohol per 100 ml of breath, and 80 microgram per 100 ml of blood. And when the driver is caught guilty of going over the legal limit, he is indicted and bailed to attend court hearings.
The consequence? A driving ban, court action and very serious fines. So, what future is there for a driver whose driving and wallet is severely affected long-term by one incident (or maybe two) of drink driving? What then?
Assurance and Protection
Insurance. It is an assurance of one's protection against loss during unexpected times. In other words, insurance is not only a wise investment but a must for all drivers, whethere you're over 50, a woman, a male, or a youth. In the UK, it is a strict requirement by law to purchase car insurance to cover one's liability to other road users or drivers. There are three types of car insurance to choose from, and they are Comprehensive Car Insurance (that lets you claim for any damage caused to your car); the Third Party Fire and Theft (which protects victims of car accidents where your car is involved), and the Third Party Only insurance (where the car insurance only covers your liability to others).
Getting car insurance can be pretty cheap, however your track record screams reckless driver and so car insurance costs can be ghastly. It is all based on how the insurance company judges you from your record or car type.
Small engines and clean licences can get you a nice discount after years of driving without incident. But when you are convicted of drink driving, it can raise one's car insurance premiums up nine percent.
It is no secret that car insurance costs for high risk drivers can be quite crippling. One way for high risk drivers to get car insurance for a cheaper price is to do a side-by-side comparison of prices from local providers. Looking into insurance companies specialising in high risk drivers is another method to get cheaper rates. These insurers may help drink driving insurance payments become lower.
How to decrease risk level
For high risk drivers to lower their assigned risk level, there are a few things they will have to do to improve their rates. First, pay all fines, and second avoid additional violations.
Moreover, see to it that you get the coverage you need. Getting drink driving insurance can certainly be very useful for drivers on the road.
About the Author:
e convicted quote direct.co.uk provide policies tailored to the needs of Convicted Drivers. For a convicted driver quote visit today.
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