GenerallyWhen you purchase motor insurance you may choose to restrict driving to yourself and certain specified people such as your husband/wife or people beyond a certain age. In return you will get a discount. These are normally called authorized drivers. If you choose to allow other drivers under the age of 25 years to drive your car, your premium will increase substantially. When buying insurance makes sure you restrict the cover to the people you need to allow driving your car. Remember their accident record and ages will influence your premium. Do not allow anyone outside this category to drive your car. Drunk DrivingDrunken Driving convictions are taken very seriously by insurers. Most policies would have a restriction in respect of driving under the influence of alcohol, drugs or any other illegal substance. As a result, damaged to one’s vehicle may not be recoverable and an insurer may recover from the insured claims for damages paid to third parties in such circumstances. Besides this, convicted drivers returning to the roads may face difficulties in obtaining insurance and may have to pay premium increases. The level of cover may be reduced – for example comprehensive down to third party fire and theft. These higher premium and cover restrictions may well last for a number of years.