Can I get motor insurance with 9 penalty points?

mrhollaful

Hi all,

Just looking for a couple of opinions or some advice.

My insurance was out (due to me parking my car up and not using it.. money issues.) a few weeks and I was pulled over driving the car. So the car was impounded, and I am now facing a summons to court which will probably be in September some time.

I am going to the Garda to speak about it today but best case scenario is ill get a hefty fine and 5 penalty points on top of my current 4. 9 points in total.
Worst case obviously, is being banned and sent to jail.

Moving to Dublin in the next week or so and will need a car as the job is not located close to public transport.

Will an insurance company be willing to quote me if I have 9 points? Or am I pretty much screwed?

I realise I need to contact the insurance company about this but wondering if anyone has experienced similar as I won't be getting insurance for a few weeks and I'm getting increasingly worried I'll have to leave this job before I've even started it.

Thx.

Skuxx

I'm sure someone will quote you.....but your gona get rode!

Henry Ford III

It's possible, but it'll be expensive and perhaps prohibitively so.

Might be a better idea to base yourself near the new job?

Anan1

I wouldn't commit to anything until you know that you still have a valid licence.

SerialComplaint

Buy a bike.

whiteonblu

mrhollaful wrote: »

Hi all,

Just looking for a couple of opinions or some advice.

My insurance was out (due to me parking my car up and not using it.. money issues.) a few weeks and I was pulled over driving the car. So the car was impounded, and I am now facing a summons to court which will probably be in September some time.

I am going to the Garda to speak about it today but best case scenario is ill get a hefty fine and 5 penalty points on top of my current 4. 9 points in total.
Worst case obviously, is being banned and sent to jail.

Moving to Dublin in the next week or so and will need a car as the job is not located close to public transport.

Will an insurance company be willing to quote me if I have 9 points? Or am I pretty much screwed?

I realise I need to contact the insurance company about this but wondering if anyone has experienced similar as I won't be getting insurance for a few weeks and I'm getting increasingly worried I'll have to leave this job before I've even started it.

Thx.

good you should not be driving uninsured

FearDark

whiteonblu wrote: »

good you should not be driving uninsured

I was wondering who would high horse this thread first.

Well done.

kirving

He's just asking for advice based on the facts, I think he knows it was wrong.

Total Guesswork:
If you buy a new policy before the court date / points, and inform the insurance company afterward of the points once you get them, could you get the next years insucrance at what you're paying now?

Not sure if that's possible, or even legal, and all it would do is extend your high payments out by a year. It would mean that you have time to save up for the high premium next year.

goz83

but they do ask if you have anything pending and if not sure, to declare anyway. The OP would be lying if he neglected to inform the insurer of the pending court date

dharn

the above could be risky ,you would have taken out the policy knowing that you had broken the law just had not been punished yet, when insurance company find out about date of incident they could void your policy and keep your money

SerialComplaint

FearDark wrote: »

I was wondering who would high horse this thread first.

Well done.

Ah that's totally unfair. I got there first, not whiteonblu.

awec

This post has been deleted.

guttenberg

Assuming you don't lose your license there is a few insurance companies for high risk drivers(which you would be considered as). It'll be expensive and for an extremely basic policy with high excess, but if staying on the roads important I think it's your best bet. XS Direct would be worth a call.

Explosive_Cornflake

SerialComplaint wrote: »

Ah that's totally unfair. I got there first, not whiteonblu.

I'd take that as a serious answer. There is no where you can't cycle in Dublin. There's people cycling from Drogheda everyday so around dublin is fine.

marcus2000

guttenberg wrote: »

. XS Direct would be worth a call.

XS Direct dont insure drivers with pending convictions - you'd be better trying a broker. I think the Asgard product (Coyle Hamilton Willis) is your best bet? Try ringing a few brokers.

Duiske

SerialComplaint wrote: »

Buy a bike.

When I read this my first reaction was "smart ass" but thinking about it , it is probably your best option at least until after your court date. Even if you manage to get insured this week, it could be a complete waste of money. Your going to need a damn good excuse for being behind the wheel uninsured to get away with the 5 penalty point option. A year off the road and a fine is most likely. If this is your first time in court for insurance then you can put jail time out of your mind.

big syke

Who was your last insurer??

Go the broker route. Dont bother going direct they either won't quote you or you will get rode (not because of the points but because of the pending conviction.)

If you get three written refusals you are then entitled to a quote, usually by the insurer who last insured you.

Check out declined cases here http://www.iif.ie/Portals/1/Motor%20FAQ.pdf

Andy454

I would think you are not pending a conviction until you recieve the summons.

A speed camera can catch you speeding, but I dont think you dont have penalty points or pending conviction until you recieve the letter notifing you of such and you pay the fine.

Once you pay the fine, you have penatly points pending, you then recieve a notification a few weeks later telling you when your points will be applied.

You then have a duty of disclosure to your insurance company.

But check your policy - many policies state that an excess of 2500euro will apply if you do not disclose your points, it may be worth the risk if the insurance is going to cost over 2500euro!!

mrhollaful

To those on the moral high ground, of course I know it was wrong and I am about to receive due punishment for that.

I'm not hugely familiar with Dublin and the surrounding areas but a bike does sound like a good idea if viable.

Cheers to those who gave advice, will try getting quotes from a few companies and hopefully go from there!

Gingernuts31

2 guys I work with were caught driving with no insurance on sperate occasions. Their cars were impounded like your and they got fined. They had to pay the pound 30 yoyo a day each day the car was there on top of the fine, penalty points. Did you get the car back from the pound or tell them to keep it?

mrhollaful

Gingernuts31 wrote: »

2 guys I work with were caught driving with no insurance on sperate occasions. Their cars were impounded like your and they got fined. They had to pay the pound 30 yoyo a day each day the car was there on top of the fine, penalty points. Did you get the car back from the pound or tell them to keep it?

I got the car back first thing the next day for a release fee of €125 and €60 to have it towed back to my apartment.

fear corcaigh

A friend of mine was caught with no insurance and got a 2 year ban on his first offence, was able to appeal after a year but still had a 2 year endorsement applied to the licence and he paid a hefty premium for insurance for a few years.

I think you will be very lucky to get off with just a fine, an off road period is a given but no jail. Traffic offences especially insurance and drink driving are taken a lot more seriously now a days than what they were years ago.

Andy454

Why not just have nationalised car insurance at this stage?

Add it to the fuel price, that way everyone who drives pays...

Gingernuts31

Andy454 wrote: »

Why not just have nationalised car insurance at this stage?

Add it to the fuel price, that way everyone who drives pays...

Well thats not very fair to the safe driver now is it? Someone who drives and has no penalty points, no endorsements will pay the same insurance as the fool who lost the licence twice and has 6 points on the 3rd one. Also what about people who get petrol for lawnmowers and generators? flawed plan me thinks.

Eoin

Andy454 wrote: »

Why not just have nationalised car insurance at this stage?

Add it to the fuel price, that way everyone who drives pays...

Let's do that to motor tax first please!

Max Power1

Gingernuts31 wrote: »

Well thats not very fair to the safe driver now is it? Someone who drives and has no penalty points, no endorsements will pay the same insurance as the fool who lost the licence twice and has 6 points on the 3rd one. Also what about people who get petrol for lawnmowers and generators? flawed plan me thinks.

It works fine in many countries!

Gingernuts31

Max Power1 wrote: »

It works fine in many countries!

I'm sure it does but this is Ireland. Ireland doesn't do simple things or things that make sence.

Eoin

I'd be a bit pissed off if I was paying the same insurance as someone on 10 points, if I'm honest.