getting back on the road.

power2

Hello there! dont usually use these kind of sites, but just said id give it a go to see if anybody can help!!

im 20 years old, 21 in june

in 2008, was driving my own car,toyota corolla, had a provisional licence, had the car over loaded, and crashed into another car, my fault. other driver claimed of my insurance, got €3700.

august 2009, bought another corolla. the folowing october, i was caught drink driving. got two years off the road.

before i had gone to court for drink driving (between the night i got caught and the court date), i crashed the car into a ditch. and got done for driving without due care and attention, which was 4 penalty points.

ive always held a provisional licence.

i know ive a bad driving history, just was a bit cracked in the day.having no car is very difficult,especially when working,and life in general.i believe i have learned my lesson, and to all the people who see this and think "typical young male driver" i apologise.

i plan to appeal for my lincence after one year of the ban.


my question is,will anyone like quinn or axa etc cover me if i get back and will even i be granted the licence if i appleal?

Farcear

Why not just call around and ask some insurance compaines for a quote?

FreudianSlippers

Moved to Banking & Insurance & Pensions.

power2

ive tried quinn driect, axa and 123.ie, they wouldnt quote me. and this was even before i got convicted of driving without due care and attention

Savman

That's a seriously dodgy driving history dude, tbh maybe its best not getting back behind the wheel of a car again for a while? You will end up in the joy at that rate (high horse free zone btw)

Meanwhile back at the ranch, I really doubt any insurance company will touch this with a barge pole so unless you have a lot of money to spend I would hazard a guess that the decision will be made for you.

You may not be able to get cover and even if you do it would most likely be some astronomical figure.

Toots

I think this might be better suited to the Motors forum, so I've moved it there. Motors mods, apologies if this is the wrong place, feel free to send it back!

OP, to answer your question, I think and I could be wrong on this, but an insurance company can't actually refuse to quote you, but there's nothing to say they can't quote some astronomical figure. I'd say you should be able to get cover, but I can guarantee you, it'll most likely cost you more than you'd spend on getting a car.

CiniO

Did you ever consider that you just might not be the right person to drive vehicles.
I know that in these days, almost everyone drives.
But it's not obligatory. Driving involves a big risk - you might very easily kill someone or yourself.

oldyouth

You have no idea how much I want to climb up on that high horse but it won't achieve anything

Before you purchase your own car, go and undertake at least 20 professional driving lessons. Driving in the company of a qualified instructor will show you how to behave in a car, otherwise I see you falling back easily in to bad habits.

If you are serious about reforming your driving, you will forego other areas of your expenditure to pay for these. If your response is 'I can already drive, I'm just asking about insurance' well I'd have no respect for you.

Just my opinion

PCPhoto

power2 wrote: »

Hello there! dont usually use these kind of sites, but just said id give it a go to see if anybody can help!!

im 20 years old, 21 in june

in 2008, was driving my own car,toyota corolla, had a provisional licence, had the car over loaded, and crashed into another car, my fault. other driver claimed of my insurance, got €3700.

august 2009, bought another corolla. the folowing october, i was caught drink driving. got two years off the road.

before i had gone to court for drink driving (between the night i got caught and the court date), i crashed the car into a ditch. and got done for driving without due care and attention, which was 4 penalty points.

ive always held a provisional licence.

i know ive a bad driving history, just was a bit cracked in the day.having no car is very difficult,especially when working,and life in general.i believe i have learned my lesson, and to all the people who see this and think "typical young male driver" i apologise.

i plan to appeal for my lincence after one year of the ban.


my question is,will anyone like quinn or axa etc cover me if i get back and will even i be granted the licence if i appleal?

ok - I'm not jumping on the high moral ground (maybe taking a step or two up the ladder)
the facts:
- you crashed into another car - your fault (these things happen to most people)...while car was overloaded - your fault
- you were caught drink driving (I cant offer anything in your defence - drink driving is unacceptable - if you are going to drink - DONT DRIVE)
- while waiting for a court appearance for drink driving (an offence which could have had you in jail) ...you crashed the car into a ditch and were charged with driving without due care and attention (this was the second biggest mistake you made - the first mistake was getting behind the wheel of a car)

Now - I accept you are young but surely you realise that a car isnt a toy - but I personally don't want you back on the roads anytime soon.
Couple of questions:
- have you made any effort to get driving lessons ? (or do you have to wait until you get your licence back)
- who taught you to drive in the first place ?
- where are you getting the money to fund your car purchases/insurance ?

(fair play to you for actually having insurance - plenty of scumbags out there with no tax/insurance)

NOTE: if you were banned off the roads for 2yrs by the time you get your licence back it will be out of date - maybe you should not be driving until you have a full licence - this will help in lowering your insurance and will show insurance companies that you are not a bad driver (according to the national standard)

Henry Ford III

You'll find it difficult or impossible op. If you get a quote it'll be very high.

My advice is to get your full license first.

cock robin

Dude you are not going to get a quote from anyone. Insurance companies are not obliged to quote someone with such an appalling history. Your best bet if you really are intent on driving is to move to India or Iraq where they dont give a fcuk about your driving history. That way you will be surrounded by like minded motorists who also dont give a fcuk. I for one hope you don't get back on the road it will be a safer place. Get a bicycle.

At 21, with a provisional and that driving history I would think you'll be seeing quote of over €13,000 on a 1.0. I would think you should never drive again, I would also reckon your appeal will be unsuccessful.

godtabh

Henry Ford III wrote: »

You'll find it difficult or impossible op. If you get a quote it'll be very high.

My advice is to get your full license first.

How without any insurance

the_syco

in 2008 crashed into another car

august 2009 drink driving. got two years off the road.

before i had gone to court for drink driving (between the night i got caught and the court date), i crashed the car into a ditch. and got done for driving without due care and attention, which was 4 penalty points.

ive always held a provisional licence.

If you ever get your license back, get lessons, and get your full license. You seem to be a danger to others.

godtabh

godtabh wrote: »

How without any insurance

Lessons in a school of motoring car and use their car for the test. The chap is not a beginner so it should be possible to pass after 10 or 15 lessons. Will need to get the provisional back though, may have to wait another year for that.

2 Espressi

You don't need a car to learn to drive.
Get lessons, use the school's car, get the test, then try again.

EPM

Henry Ford III wrote: »

You'll find it difficult or impossible op. If you get a quote it'll be very high.

My advice is to get your full license first.

Looks like the best option for sure.

godtabh wrote: »

How without any insurance

Instructors car - will mean lots of lessons and deep pockets.

You seem genuine OP so you're not going to get any high horse crap from me, but this is going to be a painful pill to swallow. You need to do all you can to get a full license when your ban is lifted. I wouldn't jump the gun just yet either as with a history like that your appeal might not work

godtabh

I didnt know you could use the instructors car for a test

godtabh

godtabh wrote: »

I didnt know you could use the instructors car for a test

You can use any car that is roadworthy, taxed and that has insurance with you insured to drive it.

power2

thanks for all the replies lads, sorry to all the people who saw this and angered them. ill try to reply to as much as i can here.

I work with a pharmasuitical company, im an apprentice instrumentaion engineer, and the money isnt too bad, so this is funding all this, and would fund any possible future driving. and maybe might be able to afford future insurance, but as you and i know, could be a fekin ridiculous quote.

My father tought me to drive a car, and i can drive well, i can drive bikes and cars very well. he just never tought me rules of the road, honestly, ive had one ever driving lesson, and maybe thats a big part of my downfall!

i will have to renew my provisional licence as it will be ot of date in march.

so ill definitly have to go about a full licence before attempting this?

i would rate myself as a bad person ! im just a bit mad, i dont go around stealing or doing drugs or any of that crap! as i said ,just a bit stupid!
and although some think differently, i genuinely belive that i have learned my lesson, having no car lost me my girlfriend,i almost lost my job due to leac of transport! i now cycle 6 and a half miles everyday just to get to work and many other things!. im not lookin for sympathy or anythin, im just saying, its ****in tuff! i think all these things can make senseless lads lik meself learn their lesson.

thanks lads

power2

and also, another question, im off the road, i cant get insured, is there anywhere i can get driving lessons, like in some driving school or something? nice one

EPM

power2 wrote: »

and also, another question, im off the road, i cant get insured, is there anywhere i can get driving lessons, like in some driving school or something? nice one

Not on a road without a license.

Private property might work but I cant imagine their insurance covering them in that instance

cython

power2 wrote: »

and also, another question, im off the road, i cant get insured, is there anywhere i can get driving lessons, like in some driving school or something? nice one

As has been pointed out, you have next to no hope of getting insured based on the history you have, so getting back on the road will likely be a long and pretty expensive process, if it can be done. Without insurance obviously you can't receive instruction in your own car. Without a license, an instructor can't currently take you for lessons on the road in their car either. I don't know where you are based, but your best bet is probably something like the Leinster Driving Campus where they have their own private closed roads for instruction, and license and insurance may not be necessary.

power2 wrote: »

thanks for all the replies lads, sorry to all the people who saw this and angered them. ill try to reply to as much as i can here.

I work with a pharmasuitical company, im an apprentice instrumentaion engineer, and the money isnt too bad, so this is funding all this, and would fund any possible future driving. and maybe might be able to afford future insurance, but as you and i know, could be a fekin ridiculous quote.

My father tought me to drive a car, and i can drive well, i can drive bikes and cars very well. he just never tought me rules of the road, honestly, ive had one ever driving lesson, and maybe thats a big part of my downfall!

Like other people here, I am trying to avoid the high horse, but seeing as you haven't passed a test, and have had one lesson, I can't take this statement seriously, especially in conjunction with the history you have. I doubt a knowledge of the rules of the road had that much to do with you putting a car into a ditch, for one thing. All I'll say is that plenty of people think that they are good drivers, but until they have had this confirmed by someone in a position to make comment, they should realise they may not be that good, and drive in an accordingly careful way. At least you now realise the lack of lessons may have been an issue though.

power2 wrote: »

i will have to renew my provisional licence as it will be ot of date in march.

so ill definitly have to go about a full licence before attempting this?

Before getting insured yourself? Probably. To go about getting that, you'll either have to wait until you are allowed back on the roads with a learner permit, or look into closed road lessons as I mentioned above. For on road lessons, and a test, you will probably be looking at using the instructors car for all parts. That could be an expensive way of doing things under normal circumstances, but you're in an unusual position.

Henry Ford III

Might be a good idea when you get your full license to undertake something like the Aviva Ignition course too.

power2

power2 wrote: »

I work with a pharmasuitical company, im an apprentice instrumentaion engineer,

You're as apprentice instrument tech, you won't be an instrument engineer until you have a Bachelor of Science in Applied Physics and Instrumentation (or similar)

EPM

RoverJames wrote: »

You're as apprentice instrument tech, you won't be an instrument engineer until you have a Bachelor of Science in Applied Physics and Instrumentation (or similar)

:rolleyes:

-Chris-

Power2

Appeal your ban
Wait till you get your ban lifted
Renew your provisional licence
Get (lots of) lessons in an instructor's car
Do the test and pass it
Call insurance companies for quotes
Once you have the cheapest quote and you're sure you can afford it, buy a car and get back on the road


Don't expect it to be a cheap process, I know people who got done for drink driving 7 years ago and their insurance premium is still loaded.
You have 4 penalty points for a driving offence, a drink driving conviction and an accident history. Your premium will be heavily loaded.

EPM

EPM wrote: »

:rolleyes:

Don't see what that role eye's is about, are carpenters civil engineers ? Are fitters mechanical engineers ? No to both. Instrument techs are not instrument engineers.

-Chris-

OK, point taken. A title such as Engineer has to be earned.

Let's get back on topic.

EPM

Well it's not exactly what he asked the question on in fairness and more having a go at the guy for the sake of it. Also, a lot of the pharmaceuticals apprentice programmes these days have an element of third level education allowing you to gain your degree that way.

-Chris- wrote: »

OK, point taken. A title such as Engineer has to be earned.

Let's get back on topic.

Apologies - replied without seeing this

Bazzo

godtabh wrote: »

I didnt know you could use the instructors car for a test

Did & passed my test in my instructors car over 2 and a 1/2 years ago so it's possible, and one of my sisters did the same about 3 years before me, so it's been around for a while.

MagicSean

You should contact the declined cases committee when you ban is up if you cannot get a quote.

Have a read of this page on citizens information for more info

http://www.citizensinformation.ie/categories/travel-and-recreation/motoring-1/motor-tax-and-insurance/motor_insurance

MagicSean

power2 wrote: »

and i can drive well, i can drive bikes and cars very well.

I disagree

power2 wrote: »

he just never tought me rules of the road, honestly, ive had one ever driving lesson, and maybe thats a big part of my downfall!

You're a big boy, buy the book.

power2 wrote: »

i would rate myself as a bad person ! im just a bit mad, i dont go around stealing or doing drugs or any of that crap!

You sound just as dangerous when you are behind the wheel of the car.

Big Nasty

Give the lad a break FFS! :rolleyes:

Many if not most of us on here were guilty of the same sins at some point in our lives - just lucky enough to get away eith it and hopefully have learned since.

OP - it ain't gonna be easy but as others have said do the safe driver thingy course, get your full license and maybe join the smaritans or something to show you are truly converted!

Obviously enough you're gonna have to start off with a 1ltr and it will probably cost ya €6/7k at least.

Best of luck!

Drake66

Make sure you get your lessons in with an ADI and get the test. It will make you somewhat more insurable. Guys like Travelers St.Paul still do a fair bit of higher risk category cover AFAIK. As K mac said, the declined cases committee will get you a quote; the quote may be somewhat prohibitive however. Best of luck.

oldyouth

power2 wrote: »

My father tought me to drive a car, and i can drive well, i can drive bikes and cars very well. he just never tought me rules of the road, honestly, ive had one ever driving lesson, and maybe thats a big part of my downfall!

Sir, in my original response to your question I refrained from getting on that high horse as long as you recognised that you CAN'T drive for sh!t and that you exercise no responsibility when you do. If you were serious about wanting to reform, you would acknowledge this.

You smack, bang, wallop, around the road full of drink and don't deserve good advice that you are going to ignore anyway. Plonker:mad:

-Chris-

I'm going to lock this thread before it descends farther.

Power2, I think you've gotten about as much advice as you're going to get at this point.