Insurance following suspended licence

i124Q

And I can finally apply for my license back next month after it being taken from me 18 months ago for 'drink driving'.
Lets not get into the story.

I know that, to get insurance on my own car would be a bomb. Has anyone ever gotten insurance as a named driver(after being convicted)? e.g. on one of your parents cars? Is it affordable? And what insurance companies will take me?

FreudianSlippers

Moved to Motors. Apologies if better suited elsewhere.

keithclancy

Ring around.

If you can't afford the Insurance, you can't afford to drive.

westernventure

Easy don't tell them you were off the road...

stevenmu

westernventure wrote: »

Easy don't tell them you were off the road...

If you're going to lie like that then any insurance at all is just a complete waste of your money, they'll happily take your payments then invalidate it as soon as you try to claim.

omb0wyn5ehpij9

Best bet is to just spend an afternoon sitting by the phone ringing every single insurance company you can think of and try get a reasonable quote.
How old are you by the way? I think that will also have a big effect on your premium after the suspension

challengemaster

stevenmu wrote: »

If you're going to lie like that then any insurance at all is just a complete waste of your money, they'll happily take your payments then invalidate it as soon as you try to claim.

Fairly sure it came up on here before that if they do claim the insurance was never valid, then they have to refund you the money. Either way, you'll end up paying the claim yourself

westernventure

stevenmu wrote: »

If you're going to lie like that then any insurance at all is just a complete waste of your money, they'll happily take your payments then invalidate it as soon as you try to claim.

i know a guy who didn't tell the insurance about his drink driving conviction and he had a claim a few months later not a question asked they just payed out.

that was few years ago, to this day they know nothing about it.

john kinsella

I wouldn’t be overly concerned OP if you are over 25 years old.

You will be getting quoted as a new driver with no no claims bonus but you wont be penalised too heavily for the conviction.

Pay no attention to westernventure you MUST let them know of the conviction. If you don’t tell them about a material fact like that you are taking out a policy fraudulently and if you have any problems the policy will be null and void and you will NEVER get insurance again (well for 5 years anyway)

Most companies won’t touch you as a named driver.

You did the crime so now you have to pay the price unfortunately. But if you get a reasonably small car it will be affordable.

Use a broker and get out the yellow pages.

Good luck and i hope you have learnt your lesson

Henry Ford III

westernventure wrote: »

i know a guy who didn't tell the insurance about his drink driving conviction and he had a claim a few months later not a question asked they just payed out.

that was few years ago, to this day they know nothing about it.

That'll add fraud & obtaining insurance through deception to his list of wrongs.

Just because he got away with it doesn't make it right does it?

coylemj

westernventure wrote: »

i know a guy who didn't tell the insurance about his drink driving conviction and he had a claim a few months later not a question asked they just payed out.

that was few years ago, to this day they know nothing about it.

That's because it was a relatively small claim, if it was a biggie they would do the research, discover the conviction and renounce the policy. You would then be at the mercy of the Motor Insurance Bureau or whatever it's called, they could force you to sell your house to meet the claim.

westernventure

coylemj wrote: »

That's because it was a relatively small claim, if it was a biggie they would do the research, discover the conviction and renounce the policy. You would then be at the mercy of the Motor Insurance Bureau or whatever it's called, they could force you to sell your house to meet the claim.

well i wouldn't say 8 grand is that small but he got away with it is all i'm saying.

MugMugs

i124Q wrote: »

And I can finally apply for my license back next month after it being taken from me 18 months ago for 'drink driving'.
Lets not get into the story.

I know that, to get insurance on my own car would be a bomb. Has anyone ever gotten insurance as a named driver(after being convicted)? e.g. on one of your parents cars? Is it affordable? And what insurance companies will take me?

Hi OP

To firstly address another statement of not disclosing the endorsement. This statement is childish and should be immediately withdrawn however, the following would apply.

The Insurance company could claim and most likely would state that they would have not accepted you had they known about the endorsment on your licence or your ban. They will cancel your policy straight away. This will invalidate your policy and any third party costs relative to a claim (if there was one) would be taken by your insurer. They would then litigate against you to recover their outlay and could take ALL of your assets to meet their costs.

All of this on top not paying out for your vehicle should loss occur to that also.

Getting Insurance irrespective of it being named or not will cost a lot due to your off the road time and the reasons behind it.

Get a few brokers onto the matter for you. They will come back with something at the very least for you.

Also, as already suggested, take out the yellow pages and get calling.

It wont be easy but you'll find somebody who will take you on with a premium to reflect the same.

PS - This is my 500th post and it only took over 4 years !

-Chris-

westernventure wrote: »

Easy don't tell them you were off the road...

Advocating illegal behaviour is against the Charter. Please read it before posting again.

Otis Driftwood

By law,your last insurer has to provide you with a quote.

Now they can make it extremely difficult for you by requesting letters of declinature from 3 other insurers (basically a letter from 3 other companies stating that they will not quote for you because of the conviction).I know that most insurers you will request this from will likely drag their heels for as long as possible to avoid sending one out.

Your last insurer may also apply a conviction loading on your premium (could be anywhere up to 200%) or they may stipulate that you will only get third party cover.

They will also likely request solicitors letters detailing the blood alcohol level and any other pertinent information.

It will likely be time consuming.

One company I know will quote for you are xsdirect.

They are a specialist underwriter that deal primarily with high risk drivers.

Could be because of convictions,alot of penalty points or poor claims record.

Its a very basic policy (little or no benefits) and the claim excesses are €4000 for male drivers and €2000 for female drivers.

They might be the easiest option if you want to take a chance with a basic policy for a couple of years.

Finally,for those saying dont tell the insurer,jesus christ,Id be of the opinion that anyone that would suggest that,even if joking,is in need of a severe toe in the hole.Do not lie when getting a policy OP as it will usually be found out and you will end up being completely black listed.

Esel

Declinature - that's a new word for me!

Repudiation - I learnt that word from an insurance company as well..... :eek:

i124Q

BDJW wrote: »

Best bet is to just spend an afternoon sitting by the phone ringing every single insurance company you can think of and try get a reasonable quote.
How old are you by the way? I think that will also have a big effect on your premium after the suspension

I'm 21.

john kinsella wrote: »

Most companies won’t touch you as a named driver.

You did the crime so now you have to pay the price unfortunately. But if you get a reasonably small car it will be affordable.

Use a broker and get out the yellow pages.

Good luck and i hope you have learnt your lesson

So I can't get insured on my Dad's car? I'm better off getting a small car?

MugMugs wrote: »

Getting Insurance irrespective of it being named or not will cost a lot due to your off the road time and the reasons behind it.

Get a few brokers onto the matter for you. They will come back with something at the very least for you.

Also, as already suggested, take out the yellow pages and get calling.

It wont be easy but you'll find somebody who will take you on with a premium to reflect the same.

PS - This is my 500th post and it only took over 4 years !

Congratualtions on 500.

But which shall be cheaper? Named driver or a small car of my own?

Otis Driftwood wrote: »

By law,your last insurer has to provide you with a quote.

Now they can make it extremely difficult for you by requesting letters of declinature from 3 other insurers (basically a letter from 3 other companies stating that they will not quote for you because of the conviction).I know that most insurers you will request this from will likely drag their heels for as long as possible to avoid sending one out.

Your last insurer may also apply a conviction loading on your premium (could be anywhere up to 200%) or they may stipulate that you will only get third party cover.

They will also likely request solicitors letters detailing the blood alcohol level and any other pertinent information.

It will likely be time consuming.

One company I know will quote for you are xsdirect.

They are a specialist underwriter that deal primarily with high risk drivers.

Could be because of convictions,alot of penalty points or poor claims record.

Its a very basic policy (little or no benefits) and the claim excesses are €4000 for male drivers and €2000 for female drivers.

They might be the easiest option if you want to take a chance with a basic policy for a couple of years.

Great thanks for that! Will take a look at xdirect now

gebbel

Just to echo the more sensible people on this thread, do not consider lying to an insurance company about your conviction. If you ever needed to claim, the first thing they will ask for is your licence number. If you ever had somebody claiming personal injuries off your policy, you could find yourself totally screwed financially. Any policy you get now in your own name will cost, I would imagine, at least a couple of grand.

i124Q

gebbel wrote: »

Just to echo the more sensible people on this thread, do not consider lying to an insurance company about your conviction. If you ever needed to claim, the first thing they will ask for is your licence number. If you ever had somebody claiming personal injuries off your policy, you could find yourself totally screwed financially. Any policy you get now in your own name will cost, I would imagine, at least a couple of grand.

I was already paying 2 grand per annum. About 170 a month. Insurance is just ridiculous in general imo. Also i am still on learners permit.

Opinicus

Is it true that when you get your licence back after a drink driving conviction that 5 penalty points are placed on it?

Stinicker

i124Q wrote: »

I was already paying 2 grand per annum. About 170 a month. Insurance is just ridiculous in general imo. Also i am still on learners permit.

Go apply for your driving test and this will reduce your insurance costs alot if you manage to pass the test, you don't need insurance or a car just start taking lessons from a particular driving instructor and they will then usually give you use of the car for to take the test with insurance for the test also, it would be a hell of a lot cheaper than trying to get insurance with a drink driving conviction on a learners permit, this will follow you around for years and you will be paying through the nose for this until you are somewhere between 25 to 27.

Cill Dara Abu

Opinicus wrote: »

Is it true that when you get your licence back after a drink driving conviction that 5 penalty points are placed on it?

No

i124Q

Just wondering, should i invest in a vw vento 1.4 engine and try get insured on that or go as a named driver on my dads car? Much difference in getting insurance on my own to my dads car as a named driver? this is after i get full licence of course

gustafo

i124Q wrote: »

Just wondering, should i invest in a vw vento 1.4 engine and try get insured on that or go as a named driver on my dads car? Much difference in getting insurance on my own to my dads car as a named driver? this is after i get full licence of course

better off getting a 1 litre

i124Q

gustafo wrote: »

better off getting a 1 litre

Such as a..? I cant drive a chiqichento or seicento. What else?

:rolleyes:

-Corkie-

i124Q wrote: »

Such as a..? I cant drive a chiqichento or seicento. What else?

:rolleyes:

Polo, Yaris.... Plenty of 1 litre cars about..

Mar4ix

i124Q wrote: »

Such as a..? I cant drive a chiqichento or seicento. What else?

:rolleyes:

punto with 1.1, ford ka 1l., opel corsa 1.l., etc.

Raskolnikov

Mar4ix wrote: »

punto with 1.1, ford ka 1l., opel corsa 1.l., etc.

No such thing as a 1 litre Ka.

Raskolnikov

i124Q wrote: »

Just wondering, should i invest in a vw vento 1.4 engine

You'll probably still get killed on insurance for that. What's your budget for a new car and insurance?

needadvi

BDJW wrote: »

Best bet is to just spend an afternoon sitting by the phone ringing every single insurance company you can think of and try get a reasonable quote.
How old are you by the way? I think that will also have a big effect on your premium after the suspension

I agree with this, makes sense.

i124Q

Raskolnikov wrote: »

You'll probably still get killed on insurance for that. What's your budget for a new car and insurance?

Car - 600, Stretch to 650 if needs be.

Insurance. Hopefully not over 200 a month..

zenno

I had a right pain in the oxters sitting here myself all day trying to get a decent quote and i managed to get a decent deal.

my problem though was an old Endorsement 23 years old that was wreaking my chances of getting a really good quote as a good few insurance companies would not insure me because of this so i rang every insurance company and the best quote i got was AA so give them a try and see what they can do for you. they are very nice to talk to and they will help you as much as they can.

gustafo

zenno wrote: »

I had a right pain in the oxters sitting here myself all day trying to get a decent quote and i managed to get a decent deal.

my problem though was an old Endorsement 23 years old that was wreaking my chances of getting a really good quote as a good few insurance companies would not insure me because of this so i rang every insurance company and the best quote i got was AA so give them a try and see what they can do for you. they are very nice to talk to and they will help you as much as they can.

wow you are very honest, i didn't think you would have to disclose something so long ago.

zenno

gustafo wrote: »

wow you are very honest, i didn't think you would have to disclose something so long ago.

I had to make sure I told them because if I had have said nothing and then they found out it could cause problems so I just told them and in the end AA looked after me so all good in the end.

Raskolnikov

i124Q wrote: »

Car - 600, Stretch to 650 if needs be.

Insurance. Hopefully not over 200 a month..

Yikes, tiny budget. Here's a link to a spreadsheet of cars with the lowest insurance costs (it's UK-based, but I would say a lot of Irish insurers would follow the same criteria for charging).

http://www.car-insurance-for-learner-driver.com/group1-car-insurance.xls
http://www.car-insurance-for-learner-driver.com/group2-car-insurance.xls

You're a young guy, so you probably wouldn't want to be see in a Yaris or Micra. So that realistically leaves your choice as being an Opel Corsa, Skoda Fabia, VW Polo, Seat Ibiza and Renault Clio. I would say that you would get the best deal on an Opel Corsa (just down to the sheer fact there are loads of them around in the 2000-era). Make sure that the car you're looking at getting corresponds to the model on the list. A 1.8 litre, 120 HP Corsa is obviously going to be much more expensive to insure than the 57 HP on the list.

Let us know how you get on.

Our man in Havana

Give up driving for a few years. cheapest solution.

i124Q

Raskolnikov wrote: »

Yikes, tiny budget. Here's a link to a spreadsheet of cars with the lowest insurance costs (it's UK-based, but I would say a lot of Irish insurers would follow the same criteria for charging).

http://www.car-insurance-for-learner-driver.com/group1-car-insurance.xls
http://www.car-insurance-for-learner-driver.com/group2-car-insurance.xls

You're a young guy, so you probably wouldn't want to be see in a Yaris or Micra. So that realistically leaves your choice as being an Opel Corsa, Skoda Fabia, VW Polo, Seat Ibiza and Renault Clio. I would say that you would get the best deal on an Opel Corsa (just down to the sheer fact there are loads of them around in the 2000-era). Make sure that the car you're looking at getting corresponds to the model on the list. A 1.8 litre, 120 HP Corsa is obviously going to be much more expensive to insure than the 57 HP on the list.

Let us know how you get on.

Nice post! Appreciate that! Is CC the cost? Kinda confused with the spreadsheet. Thanks!