Compare MR29 Car Insurance – DUI Conviction Cover

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  • Find car insurance if you have an MR29 conviction.
  • Compare insurance plans for UK drivers who have DUI convictions.
  • Get coverage made for MR29 endorsements.

What Is an MR29 Conviction?

An MR29 conviction is given to drivers caught driving under the influence of alcohol or drugs. This endorsement is part of the mutual recognition codes. It applies if the offence happens in places like Northern Ireland or the Isle of Man. The conviction stays on the driving licence for four years from the date of the offence.

Key Facts About MR29 Convictions:

  • Offence: Driving while under the influence of alcohol or drugs.
  • Penalty: A fine, penalty points, and a chance of a driving ban.
  • Licence Endorsement Duration: 4 years from the date of the offence.
  • Impact on Insurance: Insurers view MR29 drivers as high risk, leading to higher premiums.

MR29 Conviction Penalties

Conviction Code Offence Penalty Points Driving Ban Endorsement Duration
MR29 Driving under the influence of alcohol or drugs N/A 6 - 24 months 4 years
DR10 Drink driving 3 - 11 Minimum 12 months 11 years
DR80 Driving under the influence of drugs 3 - 11 Minimum 12 months 11 years
CD10 Careless driving 3 - 9 Possible ban 4 years
IN10 Driving without insurance 6 - 8 Possible ban 4 years

Note: The seriousness of the offence and any past convictions can influence the length of the driving ban and the number of penalty points you get.

How an MR29 Conviction Affects Car Insurance

An MR29 endorsement can change your car insurance a lot. Insurers view it as a higher risk.

  • Higher Insurance Costs: If you get an MR29 conviction, your insurance payments can double or even triple.
  • Fewer Coverage Choices: Some insurers might not cover you at all, and others may only offer third-party insurance.
  • Tougher Rules: Your insurance policy may come with higher excess amounts and more limits.
How an MR29 Conviction Affects Car Insurance

Estimated Insurance Cost Increase for MR29 Convictions

Conviction Type Average Annual Premium Before Conviction (£) Average Annual Premium After Conviction (£) Percentage Increase
Standard Driver 500 500 0%
SP30 (Speeding) 550 825 50%
DR10 (Drink Driving) 600 1,200 100%
MR29 (DUI) 600 1,500 150%

Note: These numbers are guesses and may change due to personal situations and insurance providers.

How Long Does an MR29 Conviction Affect Insurance?

An MR29 conviction will stay on your driving licence for four years from the date of the offence. However, your insurance costs may be affected for a longer time. This depends on the rules of your insurer.

Timeframe Impact on Car Insurance
1 - 4 Years Conviction remains on licence; higher premiums.
4 Years Conviction removed from licence; some insurers may still consider it.
5+ Years Many insurers may no longer factor the conviction into premiums.

Note: You need to share all your convictions when you apply for insurance. This is important even if they are no longer on your licence.

MR29 Car Insurance Cover Options

Drivers with an MR29 conviction can explore various insurance options:

Level of Cover Description Cost Implication
Third-Party Only Covers damage to other vehicles and property. £
Third-Party, Fire & Theft Adds protection against fire damage and theft. ££
Fully Comprehensive Includes coverage for your vehicle's damage. £££

Note: Since MR29 convictions are seen as high-risk, some insurers may limit the coverage options they provide.

How to Reduce Car Insurance Costs After an MR29 Conviction

  • Compare Insurance Providers: Find quotes from insurance providers that focus on drivers with high risks.
  • Consider Telematics Policies: A usage-based insurance plan can show that you drive safely.
  • Increase Voluntary Excess: Picking a higher excess can lower your insurance premiums.
  • Maintain a Clean Driving Record: A clean driving record can help you rebuild trust with insurers.
  • Complete a Rehabilitation Course: Some insurers give discounts for finishing approved rehabilitation courses.

Tip: Looking at and comparing different insurance choices often can help you find lower premiums over time.

FAQs About MR29 Car Insurance

Yes, but the costs will be more. It is a good idea to get coverage from specialist insurers.

An MR29 endorsement is placed on your driving licence for four years. This period begins from the date of the offence.

Driving under the influence often results in a driving ban. The length of this ban depends on how serious the offence is.

Yes, if you have a conviction, it will impact the insurance costs for all the vehicles you plan to drive.

Checking quotes from specialist insurers and exploring telematics policies can help reduce your premiums.

More serious offenses mean higher premiums. Insurers notice a bigger risk.

You often need to wait for your driving privileges to be restored before you can get insurance.

Some insurers might offer you discounts if you complete a recognised rehab course.

Having several convictions makes people feel there is a bigger risk. This can lead to higher insurance costs or even not getting any coverage at all.

Yes, many insurers pay attention to high-risk drivers. This group includes drivers who have MR29 convictions.

Yes, new drivers with an MR29 conviction might need to pay high insurance costs. The quote they get depends on several things. These include their standard of driving, the alcohol level, and the total number of points on their licence. This is more likely if they have only had a provisional licence before.

Yes, MR29 is part of the Road Traffic Act. It focuses on driving offences that happen when someone is driving while affected by alcohol or drugs. This may result in having to provide a specimen of blood or take a breath test at a police station.

No, MR29 is a known motoring offence. Other accident offences that are not clearly defined or don’t have specific offence codes can still result in endorsements. This could affect your chances of getting temporary car insurance.

Yes, the date of conviction affects how long you are seen as a high-risk driver. Depending on the period of time since your conviction, you may need to have specialist insurance for up to five years.

Yes, coverage related to MR29 is available in Wales, England, and Scotland, according to UK law. Most insurers will request your national insurance number and DVLA record to give quotes within GB.

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Page last updated on: 31/03/2025

Page reviewed by: Shay Ramani

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