Getting insured after drink driving disqualification

lorraine22ie

Hey,

I lost my licence for 3 years due to drink driving disqualification.
I have it back for the last year or so but have been out of the country therefore havent been insured.

So, does anyone know if you can withhold the fact that I had lost my licence and if so what would the repercussions be?
Can anyone recommend an insurer or broker that specifically deals with people who had been disqualified.

I phoned up one insurer there and was honest about my situation and got a quote for over €4000 per annum.

Any advice would be appreciated.

Cheers

Eoin

lorraine22ie wrote: »

So, does anyone know if you can withhold the fact that I had lost my licence and if so what would the repercussions be?

Of course not. Even if they didn't specifically ask, you're obliged to disclose all information that is relevant (principle of Utmost Good Faith).

TestTransmission

I recommend doing a search, this has been covered quite a bit here lately.

lorraine22ie

Cheers guys,

I have had a look through heaps of threads but havent found any relevant details unfortunately!
I just never imagined that it would be so expensive!

I have a few brokers details so will make a few calls tomorrow to see if one of them can give me less heart breaking news!

-Chris-

Would you have the "guts" to ask one of them?

"What would the insurance implications bee if I had a drink driving conviction/disqualification and failed to disclose it?"

That would answer your primary question.


As far as I know, every insurer will ask you if you've ever been disqualified for driving, and why (or maybe they'll restrict it to the last 5 years). If you're asked this and you lie, you're on a way different track than if you just omit to mention it if they never ask.
Definitely illegal, and virtually certain you'll have invalid insurance (ins company would probably cover a third party claim against you, but would probably chase you afterwards).


Hopefully MugMugs will be along soon with some more detail.

budfox

As covered here already. Penalty points, physical disabilities, modifications, offences under RTA etc etc are all to be declared when taking out cover.

Otherwise an insurer can/will refute liability and rescind the policy in the event of a claim. First thing they'll do is ask for your licence which will show an endorsement.

Most insurers wont cover for 5 years, some ten. The 123.ie type brokers wont do it so you'll need specialist like Carol Nash or similar. Travellers Insurance do cover DD and they charge for the first year or two but then it should drop fairly quickly after that. I guess they punt that a Section 49 offender is probably least likely to reoffend.

That's your best bet I would guess....