Car Insurance and drugs and alcohol

drink driving

Do you know how drinking and drugs impact on car insurance? 

“No claim will be paid if the driver is found to be under the influence of either drugs or alcohol.” This applies to all private and business vehicle insurance and for the first time the point is now being emphasised by insurance companies and brokers at the point of renewal or quotation.

The UK roll out of roadside drug testing has been criticised recently. The program has had very marked regional variations, with some police forces being far more aggressive in its implementation than neighbouring forces.

No data is yet available for its impact on drivers.

Business drivers and particularly businesses who are dependent on employees driving their vehicles have the double risk of both logistically losing a driver, but also facing having any insurance claim arising from an accident being declined by the insurance company. At this time it is not clear if this would extend to third party claims made against the driver, which may then be pursued personally against the driver and worst case, against the business who, it will be argued, may have irresponsibly allowed them to drive a company vehicle whilst ‘under the influence’.

It is recommended companies employing drivers take steps to ensure drivers are aware of the law and repercussions for driving with regard to drugs and alcohol. Where appropriate, the introducing of random screening can help both with awareness and with compliance. It also goes some way in allowing a defence against corporate neglect of duty.

The provision of “self-test” single use breath test kits for alcohol, allow drivers to self-regulate when placed in a situation of having had alcohol in the last 8-10 hours (morning after the night before scenario )

Where appropriate, the introducing of random drug and alcohol screening can help both with awareness and with compliance. It also goes some way in allowing a defence against corporate neglect of duty.

Contact UK Drug Testing for drug and alcohol testing kits and for help implementing a screening programme at work.

Workplace 12 drug saliva drug testing kit with saliva indicator. Ideal on site employment drug testing kit.

New on the UK market for 2016 is the Saliva Confirm Premium 12 in 1 saliva drug and alcohol testing kit with a built in saliva indicator in the collection device. This is an ideal saliva drug test kits for employers and is well suited for on site drug screening in workplace settings, giving 11 drug results and a UK HSE alcohol level screen of 0.02% BAC test in under 10 minutes.

The new oral drug and alcohol test kit is available to purchase online,  from both of our UK drug testing kits web sites, and is available for next day UK delivery.

Its the most comprehensive saliva drug screen available on the market, and allows companies to run a cost efficient, comprehensive drug screening program, without the need to collect urine, as a front line method of screening.

Generally companies prefer saliva screening as its quick, easy and hygienic. There are no chain of custody issues with collecting the sample. No urine handling for all the negative, clear test candidates, and the costs are coming down, making it more affordable.

As with all onsite drug testing, we recommend the urine workplace confirmation drug test pack with full accreditation and chain of custody for all non negative test results. Moving to a urine confirmation, while not ideal, keeps business’s fully compliant with best practice and the backing of a fully accredited UK lab certificate of confirmation for tribunal and disciplinary hearings.

See full range of drug testing kits available from UK Drug Testing

Drug and Alcohol Screening Test

 

Cup urine drug test kit

Urine Drug Screening

Drug and alcohol screening tests have been available for over 20 years. There use in business screening as part of routine pre-employment tests is well established. Most drug tests where initially urine tests, requiring a fresh sample of urine to be collected at the point of testing. Where a full medical examination is being taken including urine testing for liver and kidney disease, this is still the best and most accurate add on drug test to include.

Saliva Drug Screening

Saliva Drug Screening

With the development of reliable saliva drug tests, many purchasers have moved to saliva drug screening as their preferred drug test. It gives direct chain of custody control of the sample collection, especially where the tests don’t form part of a clinical examination. Saliva drug screening can also be extended to alcohol screening. Saliva alcohol tests correlate directly to blood alcohol levels at the sample time. We advise against urine alcohol tests. Alcohol is excreted into urine over a long period, so its detection in urine is not a useful indicator of the level of consumption. All that it shows is that a legal drug (alcohol) has been consumed by the individual over the past 18-24hrs. An alcohol consumption history, while notoriously under reported is as much value. A saliva alcohol test showing high blood levels at the point of testing is a far more directive test, indicating an alcohol problem.

When making the choice of saliva or urine testing it is important to consider the drug and alcohol screening windows of detection offered by either mode. Urine drug testing will detect drug use far further back in time than saliva drug tests. Most urine drug test windows are 3-5 days after use. Comparative saliva drug test windows are much shorter at 12-36 hrs max, so expect to show less positive results if saliva testing is used. For critical employment roles we tend to advise purchasers to use urine based drug tests for this reason. For in role random drug & alcohol tests in non critical roles, saliva drug screening may be better as it will detect attendance while under the influence, but is less likely to detect social, domestic and pleasure recreational use over week ends and out of work alcohol consumption.

Click here for more information about drug & alcohol testing & screening or to buy drug & alcohol testing kits