Approximately one-third of all traffic crash fatalities in the United States involve drunk drivers (with BACs of .08 g/dL or higher). Two Wheeler Insurance Renewal| Car Insurance Renewal| Bike Insurance Renewal| Here are other ways to reduce your car insurance premium: Name specific drivers on your policy — but be careful not to let anyone who isn't named drive your car. Complain to the General Insurance Division of the Australian Financial Complaints Authority (AFCA). In most countries, drivers of automobile convicted of injuring or killing someone while under the influence of alcohol or other drugs are heavily fined in addition to a prison sentence. Driving without insurance is not an imprisonable offence in itself, so a conviction will not appear on a criminal record. I thought this was just your own car & not the third party claim from the other car owner . But the insurers are … One such exclusion that comes with all Motor Insurance policies is the damage caused by a person driving under the influence of Liquor/Alcohol/Drugs. Swift and certain loss of licence for lower-range offences. Property&Misc Insurance|Risk Consulting Services| Health Insurance on Installments| Health insurance Portability| Corona Kavach Policy| Healthcare Insurance|iCan Health Insurance | Energy Health Insurance | Health Wallet Insurance - Family | Health Wallet Insurance - Individual | Optima Restore - Family | Optima Restore - Individual, Travel Insurance: Individual Travel Insurance|Family Travel Insurance| For example, if the police find that your vehicle has defective parts, such as worn brakes, or that you have no insurance or valid driving licence, then you’ll be given a driving conviction and potentially receive points on … When it was reported to the insurance, they denied coverage and refused to pay for the damage because of a clause in your insurance. Driving a motor vehicle without insurance in a public place is a punishable offence under the Motor Vehicles Act, 1988. Motor Insurance:Private Car Insurance| Two Wheeler Insurance| Driving under the influence with no licence and no insurance will be disqualification (even without a licence you still get points and disqualified from driving). Your car insurance won't necessarily be invalid if you're drink driving. Drink-driving penalties You could be imprisoned, banned from driving and face a fine if you’re found guilty of drink-driving. Additionally, if you are driving without valid insurance, you could receive additional points on … Driving while unfit through drink or drugs & failing to provide a specimen for analysis is also likely to be excluded. Never assume that someone will volunteer, and make sure that you don’t put all the responsibility on the same person every time. Driving while drunk can result not only in a costly fine and jail time if you are caught, but also put you at significant financial risk if you have an accident resulting from your overindulgence. While a comprehensive Motor Insurance assures you that peace of mind in the event of any mishap, it is important to understand this assurance comes with certain responsibilities. Drug driving Even though I’m still not old enough to drink, I’ve already learned my lesson. Designate a driver who will not drink before you go out. Customer Happiness Center / Policy Issuing Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Price comparison site Comparethemarket estimated that someone with six points on their licence could face a £328 hike on the cost of a new policy. 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