Driving Ban questions..

PeterB11

Ok, not condoning or asking for stupid "point out the obvious" posts, I know the below shouldn't be done, I'm not going to do it I'm just not sure how it all works.

So I got banned for two years and one day. The year is up and i'm going back to court to appeal for early restoration on my license, it will be endorsed and I will be hopefully back driving in the coming months. Have yet to get an insurance quote, i'm sure it will be heavily loaded. My lessons have been learned and being without the car for so long has seen me to become unemployed, unable to attend courses, unable to apply to colleges and has basically left me stranded.

ALL MY OWN FAULT, I DO KNOW THIS (for those keyboard warriors who want to f*ck me from a height) I AM AWARE

My question is this. It's a simpe question, I'm not doing this.

If i didnt declare the ban to my insurance company, other than the obvious of being in an accident, how can one get caught on this?
If i come to a checkpoint, have all my particulars on me so I don't get a producer, have "lost" the endorsed license and recieved a new one with no stamp all will seem above board? What if my license is still endorsed, will the gardaí proceed to check up and make sure I am properly insured? Surely, they don't know that I'm not properly insured if my insurance documents say I am and I am covered on said date?

Thanks for any replies, just wondered how this system worked as there must be hundreds of drivers out there not declaring bans.

MagicSean

Yes you are insured third party. But you are also committing an offence by knowingly providing false details to your insurance.

PeterB11

Which would result in...? If caught.. and if caught, what other ways are there to catch you other than an accident?

Bassfish

PeterB11 wrote: »

Which would result in...? If caught.. and if caught, what other ways are there to catch you other than an accident?

Wow, You've clearly learned your lesson about breaking the motoring laws:rolleyes:
This is the best advice you'll get here: Obey the laws, declare everything and stop thinking you can duck and dive like Dell Boy around the laws of the land. If you try to defraud an insurance company after already having a driving conviction you'll be fukkt from a height and rightly so!!!!

coylemj

PeterB11 wrote: »

Which would result in...? If caught.. and if caught, what other ways are there to catch you other than an accident?

At the moment probably none but there was a report recently that suggested that all of the insurance companies may soon get access to the penalty points database which would probably expose you and if the insurance company decides to report you to the Gardai, you could be prosecuted for (1) making a false statement for the purposes of obtaining a policy of insurance and (2) driving without insurance.

Even if this doesn't happen, if you are involved in a serious accident, the insurance company may do a bit of digging and if they discover that you withheld those facts, they will revoke your policy which will leave you personally exposed for any damages awarded against you.

So you can drive around telling yourself that you are insured but you really won't be and if you own a house, you are taking on a serious risk that could leave you literally thrown out of your house if someone is awarded large damages against you.

PeterB11

Bassfish wrote: »

Wow, You've clearly learned your lesson about breaking the motoring laws:rolleyes:
This is the best advice you'll get here: Obey the laws, declare everything and stop thinking you can duck and dive like Dell Boy around the laws of the land. If you try to defraud an insurance company after already having a driving conviction you'll be fukkt from a height and rightly so!!!!

I agree it will be rightly so that I should be if I was to, but did you bother to read my first post at all?
Thanks for your input, it was useless, non informative and pointed out the blatantly obvious of what was already said. Glad you wasted your time in doing so.

PeterB11

coylemj wrote: »

At the moment probably none but there was a report recently that suggested that all of the insurance companies may soon get access to the penalty points database which would probably expose you and if the insurance company decides to report you to the Gardai, you could be prosecuted for (1) making a false statement for the purposes of obtaining a policy of insurance and (2) driving without insurance.

Even if this doesn't happen, if you are involved in a serious accident, the insurance company may do a bit of digging and if they discover that you withheld those facts, they will revoke your policy which will leave you personally exposed for any damages awarded against you.

So you can drive around telling yourself that you are insured but you really won't be and if you own a house, you are taking on a serious risk that could leave you literally thrown out of your house if someone is awarded large damages against you.

Thanks for your reply, exactly the information I was looking for. Would this be along the lines of say half the people out there driving around in 1.3 turbo charged cars and having them insured as just 1.3 n/a cars? I'd assume what we're talking about would be much more serious.

Anyone any experience on this or anymore information?
Thanks again

coylemj

PeterB11 wrote: »

Thanks for your reply, exactly the information I was looking for. Would this be along the lines of say half the people out there driving around in 1.3 turbo charged cars and having them insured as just 1.3 n/a cars? I'd assume what we're talking about would be much more serious.

Anyone any experience on this or anymore information?
Thanks again

At the risk of sounding arrogant, I think you've been given all the relevant facts. Looking for 'any more information' sounds like you're exploring yet more ways to circumvent the system.

PeterB11

True, think most of what I wanted to know you have pointed out anyway.

Thanks

MagicSean

All it takes is for a Garda to ring your insurance company and ask.