Compare DR31 Car Insurance – Cover for Convicted Drivers

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Convictions Car Insurance Comparison

  • If you have a DR31 driving offence, you need car insurance.
  • Look for the right price with trusted insurance providers.
  • Get a free quote today for convicted driver insurance.

What is a DR31 Conviction?

A DR31 conviction occurs when a driver does not give a blood or urine sample during a test when requested.

This is true when there was no incapacity to do it. This means the driver said no without a good medical reason.

Penalty for DR31:

Conviction Code Offence Penalty Points Licence Endorsement Duration
DR31 Failing to provide a specimen without incapacity 3 – 11 11 years

Fact: A DR31 endorsement will remain on your driving licence for 11 years. This time starts from the date of conviction.

Legal Consequences of a DR31 Conviction

A DR31 conviction carries heavy penalties:

  • Driving Ban: You will face a driving ban for at least 12 months.
  • Fine: You may get a fine of up to £5,000.
  • Prison Sentence: You could spend a maximum of 6 months in prison.
  • Penalty Points: You will receive 3 to 11 penalty points on your licence.
  • Criminal Record: Having a criminal record can impact your job chances and travel options.
Penalty Details
Driving Ban Minimum 12 months
Fine Up to £5,000
Prison Sentence Up to 6 months
Endorsement Duration 11 years

Not taking a sample when someone cannot give it is against the law. This is as serious as failing a breath test.

How a DR31 Conviction Affects Car Insurance

A DR31 conviction makes it tough to get car insurance. This applies to standard car insurance as well.

Many insurance providers view drivers with a DR31 as more likely to have accidents. This means those drivers need to pay higher insurance premiums.

Driver Type Estimated Annual Premium (£)
Standard Driver £500 – £800
DR31 Convicted Driver £1,800 – £3,000

Key Impacts on Car Insurance:

  • A few insurers provide drivers insurance after a DR31.
  • You need specialist insurers to find the right price.
  • Third party or private car insurance policies are more common.
  • There may be limits on annual mileage.

Specialist providers assist drivers in getting the best deal. They review the circumstances of the offence for each driver to make this possible.

How a DR31 Conviction Affects Car Insurance

Finding the Right Policy After a DR31 Conviction

Finding the right car insurance policy after a DR31 means you have to:

  • Team up with experienced insurance brokers.
  • Give the right conviction code and the date it happened.
  • Be truthful about the number of points on your record.
  • Share any road notifications, like a SORN, if your car was not on the road.

Find a provider that is approved by the DVLA and the Financial Conduct Authority. This will offer you better protection.

Types of Car Insurance for DR31 Convicted Drivers

Here are your main options after a DR31:

  • Third Party: This protects you from damage to other cars and their things.
  • Third Party, Fire and Theft: This offers extra safety against fire and theft.
  • Fully Comprehensive: This protects your car and includes claims from other people.
Level of Cover What It Covers
Third Party Others' vehicles and property
Third Party, Fire and Theft Others' vehicles, theft, and fire
Fully Comprehensive Own vehicle damage, theft, fire, third party

Fact: A full cover plan can sometimes cost less than third-party insurance. This can happen, even if the driver has a conviction.

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How to Reduce DR31 Insurance Costs

You can find many ways to reduce your convicted driver insurance premium:

  • Finish a driving rehabilitation course.
  • Use black box insurance to monitor your safe driving.
  • Lower your yearly mileage.
  • Make your insurance payment once a year instead of monthly.
  • Choose a car with less power to save money.

Insurers give rewards to drivers who consistently practice safe habits.

Declaring a DR31 Conviction to Insurers

Declaring a DR31 Conviction to Insurers

You need to inform your insurance provider if you have a DR31 conviction.

  • Declaration Period: This lasts 5 years from your date of conviction.
  • Licence Endorsement Duration: This period is 11 years.
  • Failure to Declare: If you do not declare, your insurance policy might not be valid.

Fact: Always inform your insurer about any motoring conviction. Doing this will help you remain legally covered.

How a DR31 Conviction Can Affect Your Future Car Purchases

A DR31 conviction affects more than just your car insurance. It can also change how you buy and finance a car later on.

Higher Car Finance Costs:

  • Lenders see drivers with motoring convictions as risky.
  • You might have to pay higher interest rates for car loans and personal finance deals.
  • Some finance companies may reject applications from drivers with a conviction code like DR31.

Limited Vehicle Choices:

  • Insurers may limit coverage for powerful or costly cars after a DR31.
  • Picking a safer, less expensive vehicle can help you get better insurance rates.

SORN Declarations and New Registrations:

  • If you don’t plan to drive right after a driving ban, you have to make a Statutory Off Road Notification (SORN) to the DVLA.
  • When you are ready to drive again, you need to tax and insure your car properly.

Tips for Buying After a DR31 Conviction:

  • Choose cars that have lower insurance groups.
  • Try to keep your mileage at a reasonable level to reduce risk.
  • Always let the dealer and insurer know about any changes to your driving licence.

How Long Does a DR31 Affect Insurance Costs?

Conviction Type Licence Endorsement Duration Time Insurance Costs Are Affected Chance of Getting Affordable Insurance
DR31 11 years 5 years Moderate after 5 years
DR30 11 years 5 years Moderate after 5 years
DR20 11 years 5 years Moderate after 5 years
DR10 11 years 5 years Moderate after 5 years

Your driving record needs to stay clean if you want your insurance rates to go down over time.

FAQs About DR31 Drink Driver Car Insurance

Yes, you will need convicted driver insurance from specialist insurance providers.

It remains on your driver's licence for 11 years starting from the date of conviction.

Not following the rules while you can't is a serious driving offence. This can lead to penalties like those for other offences.

Black box insurance can prove that you drive safely. This might help reduce your premiums.

Many experts provide drivers insurance designed for high-risk situations.

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Page last updated on: 21/04/2025

Page reviewed by: Shay Ramani

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