Crazy Car Insurance Quote For Ex-Drink Driver!!!!

JR6

So i was put off the road in 2006 for drink driving for two years got it back in one year but this is the first time i have looked to get insurance since then. Full licence on a 1.4 golf got a quote of 4582 euro. Oh and i am 25. Quote from aviva!
Anyone know anywhere that specializes in previous convicted drivers insurance?
Cheers!

JR6

oh believe me i dont expect it to be cheap but i cant justify paying 4500!!! 3k yes maybe. cheers! i will try that.

kippy

Hi,
Its also worth getting a quote from these guys:
http://www.brittoninsurance.com/contact.html
I know of a few people who were in a similar position to yourself who got very competitive quotes from them.

De Hipster

Try xsdirect.ie - haven't used them but I'm led to believe they are set-up to cater for situations similar to yours. If you can take on the high excess, lower premium.

Padraig Mor

An in law of mine is just back on the road after 2 years "off". I believe he got insurance for about €1k, which seemed pretty good to me. Not sure who with though. Obviously he still has his NCB though (you lose it after 2 years) and is rather older than 25!

Gophur

<post deleted>

glic71rods46t0

OP, I agree with previous posters, xsdirect.ie or any decent broker that deals with lloyds should be able to help you. Best of luck getting back on the road

PCPhoto

I remember paying in excess of 3K per year (to be a named driver) when I started out driving (approx 10years ago).... and it wasn't anything special (Corrolla - my parents car - not suped up or anything just basic salloon)

I say if you want to get back on the roads - pay the money, by all means if you can find a cheaper quote fair enough but if you cant you know the reason why so don't complain - if you think its too high don't pay it and don't drive - you managed to survive without your licence so work out if its financially worth it to pay 4K instead of getting taxi's/busses or lifts from family/friends.

At the moment I'm paying less than €500 6yrs no claims, zero penalty points.

EPM

Will you guys leave it out already. The OP is only asking for advice and the high horse brigade roll in. If you're not going to stay on topic don't post.

Vertakill

XSDirect.ie - they specialise in the uninsurable or just people who get ridiculous quotes (like me).

/end of thread!

mickdw

Padraig Mor wrote: »

An in law of mine is just back on the road after 2 years "off". I believe he got insurance for about €1k, which seemed pretty good to me. Not sure who with though. Obviously he still has his NCB though (you lose it after 2 years) and is rather older than 25!

I have a strong suspicion that he didnt get cover for 1k if he declared the Drunk driving. I think most are paying nearly 3k the first year but it returns to normal quite quickly.
A 25 year old with a drink driving history is going to get frightening quotes all day long.

Graham_B18C

I know a guy who was in the same situation as you a few years ago. He got a quote through ARB, I forget how much he was paying but it was less than 3k

rebecca 30

same position as yourself but i got insure within the 2 years again ( kept my no claims bonus ) and it was only €450 with quinn direct , only a couple of years older than you !!! try them

JR6

ok thanks to all who replied. cheers...:)

Max Power1

Britton's and Xcess direct would be the most common reccomended. They both have high excesses though, in the case of the latter its 4k.

jayok

I have no idea about companies, but I thought bans, etc only last 5 years on the record. Beyond that the slate is wiped clean?

Buffman

jayok wrote: »

I have no idea about companies, but I thought bans, etc only last 5 years on the record. Beyond that the slate is wiped clean?

Ye, I thought this was the case with most companies. If the OP was convicted before 13/06/06 there is no need to mention it. Check the time limit with the company though.

If it was later on in the year I'd hold out for a few months if I was the OP.

leeroybrown

jayok wrote: »

I have no idea about companies, but I thought bans, etc only last 5 years on the record. Beyond that the slate is wiped clean?

I'd say you're thinking of the endorsement rather than the conviction. The endorsement will be added when the license is returned and lasts three years. Regardless of whether the endorsement is there, OP will still have a drink driving conviction against their name and will have to declare this to the insurance company under the terms of the policy if asked to do so. Just because the insurance company won't know about it won't mean that it won't cause a problem in the event of an accident investigation.

That said, quite often insurance companies only ask about the five year period so the OP might be lucky.

CoDy1

Asgard and ARB will quote the cheapest for driving convictions but they only quote through brokers. If you have a valid NCB you should get it for €2000-€2500.

rhonda15

My younger brother is in a similar postion (got a 2 year driving ban - 3 years ago).

He is now thinking of getting back on the road. When he renews his licence will the record of his conviction be still on there? Will he have to disclose this to the insurance company?

kippy

rhonda15 wrote: »

My younger brother is in a similar postion (got a 2 year driving ban - 3 years ago).

He is now thinking of getting back on the road. When he renews his licence will the record of his conviction be still on there? Will he have to disclose this to the insurance company?

Yes if he wants to be insured he has to disclose this to the insurance company.

Yakuza

Until the Spent Convictions Bill becomes a reality, such convictions will have to be declared to insurance companies and elsewhere.

Edit: I have no connection with the above blog, I just cited it as it came up in a Google hit of "Spent Convictions Ireland" to illustrate the salient points of what it entailed.

Guy:Incognito

rhonda15 wrote: »

My younger brother is in a similar postion (got a 2 year driving ban - 3 years ago).

He is now thinking of getting back on the road. When he renews his licence will the record of his conviction be still on there? Will he have to disclose this to the insurance company?

Probably the worst idea he could think of. Along with things like lieing about having a full licence, he may as well not bother paying for insurance and just knock up a disc on his computer, it'll be worth the same if he crashes. Any time I've got a quote (easy to see with online quotes) there is a section asking whether you have any convictions or endorsements, thinks it;s within the last 5 years or something. Lieing about that is not a good idea.

Cuddlesworth

Costs so much because drink drivers are far more likely to be repeat offenders and get a second conviction. This leads to a proven high crash risk.

kippy

Cuddlesworth wrote: »

Costs so much because drink drivers are far more likely to be repeat offenders and get a second conviction. This leads to a proven high crash risk.

Just off topic, and I dont disagree with convicted drunk drivers paying more for car insurance (it is another disencentive to drinking and driving) however nowadays I wonder if that is still the case? ( the higher risk of re-offending causing a crash)
Perhaps back in the day when detection rates were low and punishments were lower this may have been the case. Nowadays with the stigma attached to drink driving and the significant punishments the rates of re-offending may have come down.
I am basing this purely on some people I know who have been prosecuted for drink driving in the past 5 years - granted most were in their early twenties, but even some older people I know, definitely haven't and are significantly less likely to re-offend due to the hit they took when getting punished etc.
Obviously this is personal experience and absolutely nothing to back this up.......
Perhaps companies like britton and others make more of these type of drivers for lower risk than others....I dunno, as I said, just conjecture.

coylemj

Cuddlesworth wrote: »

Costs so much because drink drivers are far more likely to be repeat offenders and get a second conviction. This leads to a proven high crash risk.

Do you have statistics from the RSA or the courts to backup this claim - about the high risk of reoffending?

Cuddlesworth

coylemj wrote: »

Do you have statistics from the RSA or the courts to backup this claim - about the high risk of reoffending?

Any published stuff about it is about 10+ years old at this stage but odds are they still remain true.

High-risk offenders are defined as recidivist offenders of drink driving. In the UK for example, a high-risk offender
is categorised by one of the following (Maycock 1997):
• A driver who has been disqualified once for driving with an alcohol level in excess of 2.5 times the legal limit
• A driver who has been disqualified twice within a ten year period for any drink drive offence
• A driver who has been disqualified for failing to provide a sample for analysis
Research has demonstrated that between 20% and 30% of convicted drink drivers re-offend (Langford 1998;
Popkin 1994). High-risk offenders represent only a small proportion of all drivers but contribute disproportionately
to road accidents. They are more likely than others to be involved in fatal crashes where alcohol impairment is
involved (ICAP 2005). While legal sanctions such as fines and licence disqualification periods have been effective
in preventing a large proportion of the population from drink driving, high-risk offenders have failed to respond
in the same positive way (Marques, Voas & Hodgins 1998). As a result, other measures are being employed as
additional countermeasures to avoid drink driving of high risk offenders.

rhonda15

rhonda15 wrote: »

My younger brother is in a similar postion (got a 2 year driving ban - 3 years ago).

He is now thinking of getting back on the road. When he renews his licence will the record of his conviction be still on there? Will he have to disclose this to the insurance company?

Sorry I should have rephrased the question differently - what I really want to know is how long a drink driving conviction (2 year driving ban) will remain on your licence/records.

I assume once it's off your records you need not inform any prospective insurer? Or does a drink driving offence follow you around forever?

Just the facts please

Guy:Incognito

rhonda15 wrote: »

Sorry I should have rephrased the question differently - what I really want to know is how long a drink driving conviction (2 year driving ban) will remain on your licence/records.

I assume once it's off your records you need not inform any prospective insurer? Or does a drink driving offence follow you around forever?

Just the facts please

From 123.ie (first one I checked) this is from the assumptions that you tick the box on before you can proceed.

You and Your Named Drivers:
1.hold a current Provisional Irish Licence or a Full Irish or EU Driving Licence and do not hold a PSV licence
2.are currently resident in the Republic of Ireland and have permanently resided in the Republic of Ireland, Northern Ireland or United Kingdom for 2 of the past 3 years
3.have no more than 4 Penalty Points on your/their current driving licence
4.have never been refused insurance or renewal of insurance or had special terms applied
5.have never been disqualified from driving or had any endorsement imposed on your/their driving licence
6.have not had 3 or more fault accidents or losses in the last 3 years and the total cost of these claims did not exceed €35,000
7.have not had more than 5 non-fault claims against your policy, including Windscreen damage claims
8.have never been convicted of any Non-Road Traffic Act offence or have any convictions pending
9.do not suffer from any disability or medical condition that would impair your ability to drive but if you do it has been reported to the relevant driver licensing authority and they have issued a licence to drive

rhonda15

Guy:Incognito wrote: »

From 123.ie (first one I checked) this is from the assumptions that you tick the box on before you can proceed.

You and Your Named Drivers:
1.hold a current Provisional Irish Licence or a Full Irish or EU Driving Licence and do not hold a PSV licence
2.are currently resident in the Republic of Ireland and have permanently resided in the Republic of Ireland, Northern Ireland or United Kingdom for 2 of the past 3 years
3.have no more than 4 Penalty Points on your/their current driving licence
4.have never been refused insurance or renewal of insurance or had special terms applied
5.have never been disqualified from driving or had any endorsement imposed on your/their driving licence
6.have not had 3 or more fault accidents or losses in the last 3 years and the total cost of these claims did not exceed €35,000
7.have not had more than 5 non-fault claims against your policy, including Windscreen damage claims
8.have never been convicted of any Non-Road Traffic Act offence or have any convictions pending
9.do not suffer from any disability or medical condition that would impair your ability to drive but if you do it has been reported to the relevant driver licensing authority and they have issued a licence to drive

Is this just that particular companies policy or is it the law?

Seems kind of harsh for a youthful indiscretion to follow you around forever.

fasttalkerchat

I would be surprised if you got much bettter since youre gonna be high risk. Some 17 year olds get craxy quotes like that if the policy is in their name.

Cuddlesworth

rhonda15 wrote: »

Is this just that particular companies policy or is it the law?

Seems kind of harsh for a youthful indiscretion to follow you around forever.

It would be standard across every policy I have seen. And fair in price when you consider the wealth of evidence that puts ex offenders in a high risk category.

Padraig Mor

Padraig Mor wrote: »

An in law of mine is just back on the road after 2 years "off". I believe he got insurance for about €1k, which seemed pretty good to me. Not sure who with though. Obviously he still has his NCB though (you lose it after 2 years) and is rather older than 25!

Talked to yer man at the weekend. Got his insurance with Aviva via McCarthy Brokers in Fermoy. €1040. All fully declared and legit etc.

sm30

Hi there, your conviction stays on your driving records for 11 years, however after 5 years you can stop telling the insurers. Hope this helps.

TestTransmission

sm30 wrote: »

Hi there, your conviction stays on your driving records for 11 years, however after 5 years you can stop telling the insurers. Hope this helps.

I hope he got sorted by now