Insurance after drink driving offence

imtired

I was put off the road for 1 year for a drink driving offence. Stupid mistake I know and have learned my lesson.

I haven't had a car since the ban which was nearly 5 years ago, have been driving on boyfriends insurance as a named driver. I had misplaced my driving license so never handed license in when I was banned (actually wasn't told to) I have since renewed my license (which is a Uk license) when I received the license there are no endorsements on it.... my question is, should I tell the insurance company about my ban as there is nothing on license to say I was ever disqualified???

MadYaker

Tell them. If you don't and they insure you it's fraud.

Donnelly117

Im pretty sure one of the questions you will need to answer when getting your policy is if you have ever been disqualified from driving or if you have any driving convictions. If you lie... Or omit anything here i can imagine your insurance will be void if the time comes when you make a claim. Insurance will find a way not to pay out if there's one available.

imtired

does it stay with you for life.. or does it get wiped after 5 years or something???

Donnelly117

I'm fairly sure that its only claims on your insurance that expire after a certain period. Disqualifications and convictions stay on your license forever. I think they get carried over when you renew your license. I think you would be playing a dangerous game buying insurance without full disclosure of your driving history. But I am open to correction on that one

biko

Try these fellas www.culleninsurances.ie/convicted-drivers.html
They will try to get you a good quote.

You can also have a read of older threads like this
www.google.ie/search?q=Insurance+drink+driving+site:boards.ie

Nino Brown

Donnelly117 wrote: »

I'm fairly sure that its only claims on your insurance that expire after a certain period. Disqualifications and convictions stay on your license forever. I think they get carried over when you renew your license. I think you would be playing a dangerous game buying insurance without full disclosure of your driving history. But I am open to correction on that one

I'd agree with that, people lying to insurance companies is actually win/win for the insurance company, if you lie and you end up not claiming, they get money for nothing, if you crash, they'll refuse to pay out, so they have no risk whatsoever, its the dream policy for them.

Gran Hermano

When adding a named driver, do you not need to detail whether the named driver has previous convictions/disqualifications?

Donnelly117

Gran Hermano wrote: »

When adding a named driver, do you not need to detail whether the named driver has previous convictions/disqualifications?

You do... So i dont think any insurance company will pay out on the OP's current policy. If you lie on your policy your insurance is not valid and the company will not pay out a penny. So in the mean time before you buy your own policy you should sort out your existing one

oldyouth

Gran Hermano wrote: »

When adding a named driver, do you not need to detail whether the named driver has previous convictions/disqualifications?

Misrepresentation here would have serious consequences not just for the OP but also her boyfriend as he is vouching for the driver

ABajaninCork

I note the OP has a UK licence. A DD conviction usually stays for 5 years, and is with insurers for 11. If you got the licence back with no endorsements, then great. But - like the others say. You'll have to declare the conviction.

georgefalls

UK licence usually lasts till you're 70 as well. Why did OP have to renew it.?

Is she old....LOL

ABajaninCork

georgefalls wrote: »

UK licence usually lasts till you're 70 as well. Why did OP have to renew it.?

Is she old....LOL

Common misconception. The licence is valid until the day before your 70th birthday. The photocard is only valid for 10 years.

MugMugs

Just to clear a few things up here.

Assumptions from "Liberty Insurance" which are generally market standard.

You and other drivers of the car

do not have any non-motoring convictions
do not have a medical condition or disability you would have to disclose to get a driving licence
have never been refused insurance (including renewal), had insurance cancelled or had any special terms/conditions imposed by an insurer

Questions from Liberty Insurance

Any penalty points or convictions in the last 3 years?

Nino Brown wrote: »

I'd agree with that, people lying to insurance companies is actually win/win for the insurance company, if you lie and you end up not claiming, they get money for nothing, if you crash, they'll refuse to pay out, so they have no risk whatsoever, its the dream policy for them.

You're so far out here that you're halfway across the Atlantic and taking a left turn.

Insurers are obliged to cover Third Party loss irrespective of client indemnity. So it's not just win win. They can cancel the policy, sure but they still need to pick up the third party bill.

Sheldons Brain

They can cancel the policy, sure but they still need to pick up the third party bill.

They'll pay the bill, so that the innocent third party does not suffer. But they'll then try to get the payment from the fraudster who took out the policy.

MugMugs

Sheldons Brain wrote: »

They'll pay the bill, so that the innocent third party does not suffer. But they'll then try to get the payment from the fraudster who took out the policy.

Of course they will.

And then the Knights of Columbus will reign down a rath of fire onto us all.

Honestly, After more than a decade in the industry, I've yet to see this happen.

It can happen, don't get me wrong but it's generally not worthwhile.

You have to take somebody who probably can't afford the payment to court, try and get a judgement against them and either try and liquify their assets (which probably isn't going to happen as a bank more than likely has a claim on anything worth value) and set up a payment plan which they'd probably get away with for a tenner a week until they eventually tell you to piss off.

The chances of ever being pursued for recovery of costs is about as high as me copping off tonight with Cheryl Cole in coppers.

But yes, it "can" happen.

Sheldons Brain

Of course they will.
And then the Knights of Columbus will reign down a rath of fire onto us all.
Honestly, After more than a decade in the industry, I've yet to see this happen.
It can happen, don't get me wrong but it's generally not worthwhile.

I suppose my point is that the drink driving offence goes away eventually, for instance you can even go on to become Minister of Education. An insurance company chasing you for fraud might be nuisance on your record, even if they don't get the loot out of you.