Car Insurance from UK to Ireland and change if licence..

ShowMeTheCash

So here it goes.
I passed my Test in N Ireland some years ago.
I am Originally from Donegal, so back in 2010 I lost my license due to a DUI, in N Ireland you need to redo the test which I did.
So after my 12 month ban and getting my license back over a year ago, I have now moved back to Donegal.
I am in the process of sending in my Old N Ireland to exchange to for my Rep Ireland license. My endorsement for my DUI will NOT be in my Rep Ireland license nor will any penalty point as these where issued in a foreign court.

So effectively I will have a clean Rep of Ireland license.

So I am now looking to get Insurance here in Donegal but I am confused to what I need to put down.

So with regards to points, and claims... do I need to tell them about claims or points on a previous license? Or from a previous country?

Anyone had to do this before?

Thanks

ABajaninCork

The points might be expired, but think you still have to declare the DD conviction. AFAIK, a DD conviction stays with you for 11 years (That's in the UK, but not sure about here).

But stand to be corrected on the above though...

ShowMeTheCash

Well they do not ask do have you had a DUI.. They ask about points or endorsements on your license, so I have none.

They then ask do you have any claims, I can understand if the claims transfer but my license has nothing on it.

ABajaninCork

No, they don't ask you if you have a DD, specifically. However, they DO ask whether you have any convictions. Which of course, you have!! That is where you need to declare the DD...

ShowMeTheCash

Actually they don't, I currently have insurance in the UK as I lived in Belfast... It was expensive as I had to say I have an endorsement on my license and you have to give details of the endorsement, being it was DUI...

Even if you do it online, there is not Convictions part for insurance just endorsements section on the license if you say yes, usually they then ask what it was, DUI being one of them...

When I changed my license over I figured the endorsement would go on the license, but turns out it does not as any conviction is not recognized in the state (I have committed no crime in the Rep of Ireland).

Which brings me to another question... Technically I have never committed any offense here in this country... So again even if it was asked do I need to declare I committed an offense in a foreign country?

ABajaninCork

You must give me the name of your insurers, then! I've ALWAYS been asked if I have had any convictions, although I must confess I don't know if foreign convictions should be declared. I'm assuming the answer is 'Yes', but again stand to be corrected.

The simple answer of course is to query this with a broker...

ShowMeTheCash

Just from the citizens advice webpage

"In practice therefore, this means if you acquired penalty points or have endorsements on your driving licence before coming to Ireland, these penalty points or endorsements will not transfer over to an Irish driving licence. If however, you have been disqualified from driving in another country and this was in addition to a prison sentence for driving offences it may not be possible for you to exchange your full foreign driving licence for a full driving licence here in Ireland."

ABajaninCork

In other words, you haven't yet run this past an insurance broker. Like I say, I've always been asked if I have any convictions. This is a material fact you must disclose to any insurers. Thinking back, my insurance know I have a UK licence, and I've been asked that question so I assume they will take any disqualifications into account before they quote you.

Endorsements I can understand. But you were disqualified, had to re-take your test, but served no prison sentence were you not? i.e you were convicted of drink driving. I would double-check this with the RSA if I were you.

I would also be straight about the DD conviction when insuring your car. Doesn't pay to lie to the insurance. It'll cause all kinds of problems later...

MugMugs

Interesting scenario. You are generally asked about previous convictions.... As far as I know, jurisdiction isn't specified therefore you should disclose it. Same with claims..... I assume you're going to be using your ncb from your UK policy? Irrespective of that, the chances of an ROI finding out about a UK conviction are nil but naturally I am not advocating you not telling your insurer the truth.

ThreeLineWhip

Go with whatever you feel best about.

ShowMeTheCash

Think it depends, so on the AA website it does not ask about convictions at all.
It has a section on points, of which I have none...

So not sure, I have another 2 months under my current insurance so I will look into it.

MugMugs

ShowMeTheCash wrote: »

Think it depends, so on the AA website it does not ask about convictions at all.
It has a section on points, of which I have none...

So not sure, I have another 2 months under my current insurance so I will look into it.

Please ensure that you read the assumptions they make in full first.

ShowMeTheCash

Was speaking to someone that works in an insurance company.
In terms of gaining information from the UK on policies, I have been told they are unable to gain information directly.

Even for NCB, I would need to get a letter from my insurance stating how many years NCB i accrued and post it to my new Irish Insurer...

Not saying I will not declare anything, but I am under the impression that there is no way for an Rep Ire insurer to gain information on details of any activity with regards, license held, claims or driving conviction in another country...

Does anyone know if this is the case?

ThreeLineWhip

ShowMeTheCash wrote: »

Was speaking to someone that works in an insurance company.
In terms of gaining information from the UK on policies, I have been told they are unable to gain information directly.

Even for NCB, I would need to get a letter from my insurance stating how many years NCB i accrued and post it to my new Irish Insurer...

Not saying I will not declare anything, but I am under the impression that there is no way for an Rep Ire insurer to gain information on details of any activity with regards, license held, claims or driving conviction in another country...

Does anyone know if this is the case?

Most of them here have UK operations so doing some checking is possible. Whether they do so is anyone's guess.

ShowMeTheCash

But what can they check?
I have a new license and a new address (technically as it is my home address from Donegal)... I actually do not think it possible they can do any checks without me volunteering the information...

channro

ShowMeTheCash wrote: »

But what can they check?
I have a new license and a new address (technically as it is my home address from Donegal)... I actually do not think it possible they can do any checks without me volunteering the information...

Complete chancer! what ye gona do next time ye get caught boozed up on the highways - move to France?

Declare yer dui - in fact Im forwarding this to the gardai so they can get your IP from boards.

All the best
Renton

C81

Like u said.a different country. Of course insurance company's would love to know! Clean licence,clean insurance.
No trace.

oldyouth

channro wrote: »

Complete chancer! what ye gona do next time ye get caught boozed up on the highways - move to France?

Declare yer dui - in fact Im forwarding this to the gardai so they can get your IP from boards.

All the best
Renton

Well that escalated quickly

Totally agree with previous posters. Every insurer that I know in ROI ask about accidents, claims or convictions. As for convictions, very few put in a specified timeframe for the offence, or specify if it involved points or jail time. Declare it or face the consequences if caught is my advice.

ShowMeTheCash

I got it all sorted...

Also I know channro, I blame him for the whole thing!

So I got a broker to quote me, actually not to bad, even though I have a DUI from years ago, I also have 4 years NCB, so that worked in my favour, 800 euro... could have been worse.