Insurance cost after a drink driving charge?

zipex

does anybody know how much it would cost 42 year old man to get insured after a drink driving charge

biko

Moved out from a 2009 thread.

Start by ringing a broker like www.brittoninsurance.ie, they will check it for you.
Or ring www.powerinsurances.ie

valerossi

Hopefully high enough so you will never take drink and drive again.

miller50841

Premiums will definitely be high for the 1st couple of years but try and keep your nose clean and you will get there eventually.

Hopefully it's been a wake up call.
Best of luck op and be honest to Insurance company as they will find out.

Jimdagym

valerossi wrote: »

Hopefully high enough so you will never take drink and drive again.

Grow up FFS.

valerossi

Jimdagym wrote: »

Grow up FFS.

Please telling me to grow up and a grown ass man after drinking and driving would you say that if he crashed into one of your loved ones doubt it, f***ing die hards telling me to grow up when the man shouldn't be allowed a license for at least a year.

Wheres My ForkandKnife

Some companies will not insure you for the rest of your life. Others will not insure you for five or ten years after your conviction. Liberty are one of the few who will insure you now if you go directly to them,

Try a couple of brokers as they will have access to all companies who insure this type of risk.I imagine you are looking at a loading of at least 100%.

MadYaker

Were you convicted or just charged?

jimgoose

valerossi wrote: »

Please telling me to grow up and a grown ass man after drinking and driving would you say that if he crashed into one of your loved ones doubt it, f***ing die hards telling me to grow up when the man shouldn't be allowed a license for at least a year.

Wipe the foam off your beard and calm down. The man is only asking a harmless insurance question. He has the balls to admit he made a screw-up on a public forum, and no doubt has made atonement in the prescribed manner. Live long, and prosper.

b.harte

I was convicted in in July 2000 for an offence in 1999.
I was banned for 2 years with no appeal due to the blood/Alcohol levels.
I also paid a massive fine.
I didn't harm / injure / crash into anyone but I could have, and that's an important point.
The ban cost me my job as I needed to travel with work.
It could have been so much worse.
Thankfully it wasn't.

As regards insurance:
I couldn't get anyone to quote me for the first 2 years (at a level I could afford to pay).
I found out that there is a process where you can appeal to the insurance federation and they will nominate an insurer to give you a quote. IN my case I had to get 3 refusals to quote from 3 separate companies (not brokers) and then AXA (the last company I was insured with) gave me a quote of 10,000 for 3rd party only.
There was no appeal against this, the company had satisfied their end of the "arrangement" be providing me with a quote.
I couldn't afford to pay if so I didn't.
Same to following year. (total 4 years off the road as a result).

Eventually I found an underwriting company who specialise in high risk drivers and paird a little over 4k for my first policy.
It came down to 2800 the following year (no other companies interested) 2200 for year 3 and 1800 for year 4 & 5.
Once I had 5yr NCB I was able to shop around and started to see more options available to me.
I was really only after year 6 that my insurance dropped to a normal level and when the endorsement was removed from my licence no loading was applied.*

*prior to this the endorsement was referenced on my NCB cert each year, so every other company would know of it, I also declared it anyway.

So now, 13/14 years after the event and 11 years after my ban was completed I am paying a normal premium.

That's the (easy / minimum) price you should expect to pay following a ban.

FOR THE RECORD:
I still carry guilt with me about that night, I can't blame anyone else, and I don't try to. I made my own decision and paid a financial price for it. I count my lucky stars that I didn't pay any other price for it, and that no one else was involved in any way.
But, the OP has not asked for a lecture / otherwise on the impacts of drink driving.
If the OP is anyway normal they will be aware of how monumentally stupid getting behind the wheel with drink is, so no need to moralise, irrespective of personal opinion.

The OP was a request for information.

Bertie.

bazz26

The only ones who can really answer this question are insurance companies but the common sense answer would be that it isn't going to be cheap.

bmwguy

valerossi wrote: »

Hopefully high enough so you will never take drink and drive again.

Try to live on the internet as you would to a persons face. If someone in your company said that there is no way you would give that answer, you wouldn't have the balls. He only asked a question.

Stepping Stone

Your last insurance company is obliged to offer you cover, regardless of the circumstances.

They may not particularly want you as a customer though, so they may offer you an incredibly high premium.

The best place to start is by approaching your previous insurer, so you know yourself what they have to offer you.

cup of tea

XS Direct are usually good at quoting high risks but their excess would be high, they are definitely worth giving a shout. Out of 10/11 companies in a brokerage, for high risk they are often the only one out of them that will quote or not quote something absolutely ridiculous.

valerossi

bmwguy wrote: »

Try to live on the internet as you would to a persons face. If someone in your company said that there is no way you would give that answer, you wouldn't have the balls. He only asked a question.

Actually no im not someone thats attempting to use the so called anonymity of the web to voice my opinion and assuming that i am a coward with such weak personality that i wouldn't voice my opinion to someone's face nonsense, i suppose your probably were not raised with the same morals as a man that's to proud to drink and drive because of the shame and embarrassment it would been to ones family not to mention the dangers. want two year ban he must of been tanked.

Anan1

valerossi wrote: »

i suppose your probably were not raised with the same morals as a man that's to proud to drink and drive because of the shame and embarrassment it would been to ones family not to mention the dangers. want two year ban he must of been tanked.

Christ, what self-righteous twaddle. I'd nearly drink and drive just to annoy you.

jimgoose

valerossi wrote: »

Actually no im not someone thats attempting to use the so called anonymity of the web to voice my opinion and assuming that i am a coward with such weak personality that i wouldn't voice my opinion to someone's face nonsense, i suppose your probably were not raised with the same morals as a man that's to proud to drink and drive because of the shame and embarrassment it would been to ones family not to mention the dangers. want two year ban he must of been tanked.

Where did someone say they were proud to drink and drive, or anything like it?

Where oh where would dear old Ireland be without its pompous, sanctimonious, po-faced apes, I wonder? Maybe the 21st Century!

valerossi

Anan1 wrote: »

Christ, what self-righteous twaddle. I'd nearly drink and drive just to annoy you.

Funny perhaps when you loose someone or perhaps a few to recklessness your view on it will all change on it until then enjoy the ignorance to it all

TestTransmission

Let's keep the thread on topic.OP is looking for insurance advice not moral.

engrish?

Quote Devil are the ones to talk to here. They always have ads on the tv and radio