The Question - Ever been refused an insurance quote

richy

So I am appealing against 2 convictions for brake defects (from the same instance). My case is essentially that the convictions (while I am guilty) are causing me to not be able to get a quote from an insurance company and Im hoping to make a charitable donation instead.

All the major companies wont insure you if you ever had a conviction or if you have had a conviction within last 3/5 years.

There is specialist companies who will insure convicted drivers etc but wont insure me if I have 2 convictions, even though they are nowhere as serious as a drink driving charge. If I get these companies to refuse me to use as proof that I cant get insurance quotes to the court, I will essentially have been refused quotes.

Do insurance companies share info on who they have refused quotes or any of this type of info. The only way I can prove how ridiculously hard it is to get a quote is to show the refusals, but in doing that I will be breaking the rules of many insurance companies who insist that you have never been refused a quote.

rex-x

richy wrote: »

So I am appealing against 2 convictions for brake defects (from the same instance). My case is essentially that the convictions (while I am guilty) are causing me to not be able to get a quote from an insurance company and Im hoping to make a charitable donation instead.

All the major companies wont insure you if you ever had a conviction or if you have had a conviction within last 3/5 years.

There is specialist companies who will insure convicted drivers etc but wont insure me if I have 2 convictions, even though they are nowhere as serious as a drink driving charge. If I get these companies to refuse me to use as proof that I cant get insurance quotes to the court, I will essentially have been refused quotes.

Do insurance companies share info on who they have refused quotes or any of this type of info. The only way I can prove how ridiculously hard it is to get a quote is to show the refusals, but in doing that I will be breaking the rules of many insurance companies who insist that you have never been refused a quote.

If you get 3 refusals then you can apply for a forced quote basically, you will be quoted! It doesn't stand a chance of getting rid of your convictions though, Id be embarrased appealing on those grounds

richy

Really think theres no chance of appealing on those grounds? It messes up my dads insurance too as Im insured on his van and work for him.

rex-x

richy wrote: »

Really think theres no chance of appealing on those grounds? It messes up my dads insurance too as Im insured on his van and work for him.

It is a valid point you raise about the difficulty but that is not the courts problem, you did the crime! its the insurance industry that needs to change

richy

rex-x wrote: »

It is a valid point you raise about the difficulty but that is not the courts problem, you did the crime! its the insurance industry that needs to change

I suppose it is and I did. Cheers for the replies. Im in such a conundrum :-(

Jesus.

rex-x wrote: »

If you get 3 refusals then you can apply for a forced quote basically, you will be quoted!:o

I've wondered about this. Forcing someone to quote you is rather pointless isn't it? Can't they just quote something astronomical so its devoid of any practical meaning?

rex-x wrote: »

you did the crime!

What crime did this chap commit? Is this the lad who had to faulty break lights?

richy

Jesus. wrote: »

I've wondered about this. Forcing someone to quote you is rather pointless isn't it? Can't they just quote something astronomical so its devoid of any practical meaning?


What crime did this chap commit? Is this the lad who had to faulty break lights?

Guilty, Jesus :-)

From what I read they can quote you something astronomical but the regulators can force them to quote something reasonable. The thing that confuses me is that there was something like 80 people appealed to the ombudsman because they couldnt get a quote because of convictions. There must be well over a 100,000 people in Ireland who have convictions for whatever offences (tv licence, etc).

Are they all lying to their insurance companies and claiming they have no convictions?

Do insurance companies even check this if you have a claim? It seems trying to do it the right way causes a whole host of problems.

Jesus.

So Richy you can't get insurance because you had a couple of brake lights out? Are you on the wind up?

richy

Afraid not. I rang specialist companies dealing with convicted drivers. I can only get a quote with 2 convictions if I am over 30.

Liam McPoyle

richy wrote: »

So I am appealing against 2 convictions for brake defects (from the same instance). My case is essentially that the convictions (while I am guilty) are causing me to not be able to get a quote from an insurance company and Im hoping to make a charitable donation instead.

All the major companies wont insure you if you ever had a conviction or if you have had a conviction within last 3/5 years.

There is specialist companies who will insure convicted drivers etc but wont insure me if I have 2 convictions, even though they are nowhere as serious as a drink driving charge. If I get these companies to refuse me to use as proof that I cant get insurance quotes to the court, I will essentially have been refused quotes.

Do insurance companies share info on who they have refused quotes or any of this type of info. The only way I can prove how ridiculously hard it is to get a quote is to show the refusals, but in doing that I will be breaking the rules of many insurance companies who insist that you have never been refused a quote.

I don't understand.

What were you convicted of?

Emmadilema123

richy wrote: »

Afraid not. I rang specialist companies dealing with convicted drivers. I can only get a quote with 2 convictions if I am over 30.

Are you the guy that had the possession thing thrown out on the same day? Might be worth having another word with your solicitor as other posters have said, the crime was committed and there is no new evidence relating to that case. The fact that you can't get a quote now doesn't change anything about the day of the incident so would be suprised if you can appeal on those grounds alone.

richy

Saul T Nutzz wrote: »

I don't understand.

What were you convicted of?
This I believe. The lamps shall be actuated by the application of the service brake, and when so actuated shall show a red light to the rear of the vehicle.

http://www.irishstatutebook.ie/eli/1963/si/189/made/en/print

Emmadilema123 wrote: »

Are you the guy that had the possession thing thrown out on the same day? Might be worth having another word with your solicitor as other posters have said, the crime was committed and there is no new evidence relating to that case. The fact that you can't get a quote now doesn't change anything about the day of the incident so would be suprised if you can appeal on those grounds alone.

Ya thats me. For the sake of it, I will appeal. Basically, if the guard doesnt turn up or have the statutory implements (i think its called) on him it can be thrown out. Also, may argue that it should only be one conviction for the brake lights, rather than two.

If that doesnt work, ill pack my bags for a couple years in the clink :-)

punisher5112

This was all discussed in your other thread.

You were caught with wacky tobacky and were driving a defective vehicle but really do believe there was something else.

Emmadilema123

richy wrote: »

Ya thats me. For the sake of it, I will appeal. Basically, if the guard doesnt turn up or have the statutory implements (i think its called) on him it can be thrown out. Also, may argue that it should only be one conviction for the brake lights, rather than two.

If that doesnt work, ill pack my bags for a couple years in the clink :-)

lol best of luck. It's a real crap situation for you. Hope you can get some resolution soon!

richy

punisher5112 wrote: »

This was all discussed in your other thread.

You were caught with wacky tobacky and were driving a defective vehicle but really do believe there was something else.

Like what? I am appealing on just the defective vehicle so even if there was something else it does not matter. Anyway, this is about a similar issue but not looking for legal help hence the different thread.

Emmadilema123 wrote: »

lol best of luck. It's a real crap situation for you. Hope you can get some resolution soon!

Cheers Emma