What will happen to my insurance if I drink drive?

As you can see from previous post, drink driving is an extremely bad risk. Allow me to use the word, "Terrible".

It goes to show the immaturity and irresponsibility of the driver. Insurers generally dislike writing such risk due to the high bodily injury claims if an accident is involved which can easily escalate to a S$100k loss. And accordingly to the Motor Act, Insurer has to settle any bodily injury claims (first) even if the policy condition is infringed. Ouch!

As such, if you drink drive, do not be surprised at all if your insurer cancel your policy mid-term or decline renewal of your policy. They simply can't afford to write on it anymore due to the risk and hazards elements present.

In the event that you are lucky enough to get a renewal or a new quote elsewhere, the rates and excess will definitely not be low. In fact, do not be amazed if it jumps by few folds which is quite common in the market.

So, if you drink, do not drive.