Tips for getting insurance after disqualification

nimus

Does anyone have any advice, tip or recommendations on getting insurance after being disqualified for 12 months for driving with no insurance. I had 14 years driving under my own policy and no penalty points. I now have an endorsement on my licence and hopefully will have my licence back in a couple of weeks after being off the road for a year.

seanybiker

Surely you just ring up and ask for a quote. Tell them about your disqualification and then get insured

-Chris-

That's about it. Hit the phones and don't hide anything from them.

You'll be heavily loaded for a while, but there's not much you can do about that.

nimus

Any ideas how much the insurance increases by? My fully comp insurance was about 400 before I went off the road on a 1.6 petrol. Do you know how long the insurance is loaded for?

Keith C

200%

-Chris-

I'm not sure about driving uninsured, but I knew someone who was disqualified for drink driving and was still having their premium heavily loaded 7 years later.

lomb

What happened that you had no insurance?

nimus

May 2008 I was working in the UK and based there most of the time so didn't have a car here. I was home for a weekend and borrowed my boyfriends car. I knew he was strapped for cash at the time but he didn't tell me that his insurance direct debit hadn't been paid for 3 months and the insurance was cancelled. Anyway, I got stopped by the guards. I assumed it was insured but wasn't and the tax was out by nine weeks. He took the car there and then. I had to then help my boyfriend sort out the tax and insurance and nct and pay the impound fee. I went to see the guard, produced all docs (including managing to get an nct booking) and he was nice to me about it all. Got the car back and he said he was preparing a file for the DPP.

In November 2009 there was a knock on the door one evening and the local guard was there with 6 summons for me - insurance, tax and NCT. Even though the car was not mine it was my responsibility to ensure everything was in order before I drove. I got a solicitor, went to court, explained to the judge that it was not my car and that my boyfriend had exceptional circumstances at the time it happened, I needed to drive to work etc. The judge responded with "disqualified for one year, licence endorsed, fine of 750 for no insurance, 450 for no tax and i think 150 for no nct (it was 1350 altogether).

I had been driving for 14 years and had never had a speeding ticket or parking ticket etc and genuinely did need my car to get to work as i live in the country and do not have public transport to rely on. The guard was in court and said I cooperated with him on the day. I had no convictions and had never been in trouble for anything.

Don't ever think you will just get a wrap on the knuckles!!!

edwinkane

nimus wrote: »

May 2008 I was working in the UK and based there most of the time so didn't have a car here. I was home for a weekend and borrowed my boyfriends car. I knew he was strapped for cash at the time but he didn't tell me that his insurance direct debit hadn't been paid for 3 months and the insurance was cancelled. Anyway, I got stopped by the guards. I assumed it was insured but wasn't and the tax was out by nine weeks. He took the car there and then. I had to then help my boyfriend sort out the tax and insurance and nct and pay the impound fee. I went to see the guard, produced all docs (including managing to get an nct booking) and he was nice to me about it all. Got the car back and he said he was preparing a file for the DPP.

In November 2009 there was a knock on the door one evening and the local guard was there with 6 summons for me - insurance, tax and NCT. Even though the car was not mine it was my responsibility to ensure everything was in order before I drove. I got a solicitor, went to court, explained to the judge that it was not my car and that my boyfriend had exceptional circumstances at the time it happened, I needed to drive to work etc. The judge responded with "disqualified for one year, licence endorsed, fine of 750 for no insurance, 450 for no tax and i think 150 for no nct (it was 1350 altogether).

I had been driving for 14 years and had never had a speeding ticket or parking ticket etc and genuinely did need my car to get to work as i live in the country and do not have public transport to rely on. The guard was in court and said I cooperated with him on the day. I had no convictions and had never been in trouble for anything.

Don't ever think you will just get a wrap on the knuckles!!!

My partner lives in Dublin and I asked my (UK) insurance company if my Uk insurance covers me to drive my partners car. I am covered by my own insurance to drive any other car third party,and have also checked the policy details which confirms that Ireland is covered.

It would never have dawned on me to assume that, even if my partners car was insured, that I am covered under the terms of that policy. What made you assume that you would be covered under your partners policy?

When you say you assume "it" was insured, it is you who needs to be insured to drive the car, and not "it" .

Henry Ford III

nimus wrote: »

May 2008 I was working in the UK and based there most of the time so didn't have a car here. I was home for a weekend and borrowed my boyfriends car. I knew he was strapped for cash at the time but he didn't tell me that his insurance direct debit hadn't been paid for 3 months and the insurance was cancelled. Anyway, I got stopped by the guards. I assumed it was insured but wasn't and the tax was out by nine weeks. He took the car there and then. I had to then help my boyfriend sort out the tax and insurance and nct and pay the impound fee. I went to see the guard, produced all docs (including managing to get an nct booking) and he was nice to me about it all. Got the car back and he said he was preparing a file for the DPP.

In November 2009 there was a knock on the door one evening and the local guard was there with 6 summons for me - insurance, tax and NCT. Even though the car was not mine it was my responsibility to ensure everything was in order before I drove. I got a solicitor, went to court, explained to the judge that it was not my car and that my boyfriend had exceptional circumstances at the time it happened, I needed to drive to work etc. The judge responded with "disqualified for one year, licence endorsed, fine of 750 for no insurance, 450 for no tax and i think 150 for no nct (it was 1350 altogether).

I had been driving for 14 years and had never had a speeding ticket or parking ticket etc and genuinely did need my car to get to work as i live in the country and do not have public transport to rely on. The guard was in court and said I cooperated with him on the day. I had no convictions and had never been in trouble for anything.

Don't ever think you will just get a wrap on the knuckles!!!

I hope you gave the boyfriend his marching orders. He really should have told you there was no valid insurance.

Were all the windscreen discs out of date btw?

nimus

nimus wrote: »

Don't ever think you will just get a wrap on the knuckles!!!

Driving without insurance is really really frowned upon by the authorities and rightly so, the circumstances were no doubt unfortunate as you'd be inclined to reckon the boyfriends car was insured.

Folks have gotten punished less for armed robbery :eek:
Although they would have done some serious singing.

edwinkane

RoverJames wrote: »

Driving without insurance is really really frowned upon by the authorities and rightly so, the circumstances were no doubt unfortunate as you'd be inclined to reckon the boyfriends car was insured.

Folks have gotten punished less for armed robbery :eek:
Although they would have done some serious singing.

even if you did assume your partners car was "insured", how did you know you were covered under the terms of his policy?

edwinkane

edwinkane wrote: »

even if you did assume your partners car was "insured", how did you know you were covered under the terms of his policy?

Presumably he had her on the policy as a named driver, if not she fully deserves everything she got.

nimus

Yes, I was a named driver on the (cancelled) policy.

The same day a similar case came up where there was a previous conviction involved. He got away with a fine!!! I think a lot of it comes down to the humour the judge is in and in some cases there are particular solicitors who seem gifted at getting people off. Obviously, I didnt have one of them.....

edwinkane

nimus wrote: »

Yes, I was a named driver on the (cancelled) policy.

The same day a similar case came up where there was a previous conviction involved. He got away with a fine!!! I think a lot of it comes down to the humour the judge is in and in some cases there are particular solicitors who seem gifted at getting people off. Obviously, I didnt have one of them.....

Did you have your own policy in the UK, and if so did you check to see if it covered you to drive any other car which you didn't own?

nimus

No, I didn't have a car in the UK. Took my car here off the road and when I came home either drove my boyfriends or parents/sis car.

nimus

nimus wrote: »

The same day a similar case came up where there was a previous conviction involved. He got away with a fine!!! ....

He might have been a good singer

nimus

Yes RoverJames...he sung like a canary

I think my major downfall was my solicitor named my employer (a bank) and a look of pure contempt filled the judge and the game was up. Nevermind it wasn't an Irish bank and I don't work as a banker, we are all painted with the same brush!!!