Drink driving insurance

hefferboi

I was put off the road for drink driving in Feb 15 and got my licence back in Sept 17. I was banned for 4 years for refusal to give a breath sample and got early restoration after 2 years and 7 months.

I’m now looking to get back driving but have been quoted €5,000. I’m 26 and I’ve only got a provisional licence but have my driving test next month. I was looking at a 2011 Ford Fiesta 1.4 diesel or a 2010 Polo 1.2 petrol.

I was wondering, if my housemate insured the car under his name and put me as a named driver on it would it work out cheaper and would there be any problems with it? He’s 26 with a full licence and 5+ years no claims.

Also, I read that after 5 years from the date I was put off the road that I don’t have to tell the insurance companies about my conviction, is that correct??

amcalester

What you're suggesting is called fronting, and if found out the insurance company will cancel your policy.

Good luck getting insurance with a drink driving conviction and a cancelled policy.

No idea about when you ca stop informing the insurance company about the conviction.

Stheno

Has your housemate already got a policy on his own car?

eamonnq

hefferboi wrote: »

I was wondering, if my housemate insured the car under his name and put me as a named driver on it would it work out cheaper and would there be any problems with it? He’s 26 with a full licence and 5+ years no claims.

Has your housemate agreed to do this ?

daheff

your housemate does not have an insurable interest in your car...its not his. he has not reason to be at loss if its lost/stolen/written off...etc.


Insurance co will not insure him as a main driver.

28064212

hefferboi wrote: »

Also, I read that after 5 years from the date I was put off the road that I don’t have to tell the insurance companies about my conviction, is that correct??

7 years, from the date of your conviction: http://www.citizensinformation.ie/en/justice/criminal_law/spent_convictions.html

Rave.ef

You got caught drink driving with no licence and your complaing about the cost of insurance. Have a think about that

hefferboi

amcalester wrote: »

What you're suggesting is called fronting, and if found out the insurance company will cancel your policy.

Good luck getting insurance with a drink driving conviction and a cancelled policy.

No idea about when you ca stop informing the insurance company about the conviction.

Cheers that’s all I needed to know. I was just wondering could I go about it that way but obviously not.

hefferboi

Rave.ef wrote: »

You got caught drink driving with no licence and your complaing about the cost of insurance. Have a think about that

Where in my post did I complain about the cost? I stated facts and asked 2 questions. Don’t try and be smart.

cruizer101

Your best bet is probably to find someone with a car who is willing to put you on their insurance and you pay them the difference in their insurance until you get your full licence. Think its going to be expensive either way.

hefferboi

cruizer101 wrote: »

Your best bet is probably to find someone with a car who is willing to put you on their insurance and you pay them the difference in their insurance until you get your full licence. Think its going to be expensive either way.

Yeah it’ll be expensive and I’ve no problem taking the hit for a few years but just trying to lower the cost as much as possible. Would I be better off to wait till I get a full licence and get my own insurance on my own car? Would the licence make a big difference?

Riva10

Even if your housemate agrees to your suggestion, when he names you as a named driver, the insurance company will ask if you have any convictions. Not declaring these previous convictions is not an option.

Sleeper12

hefferboi wrote:

Also, I read that after 5 years from the date I was put off the road that I don’t have to tell the insurance companies about my conviction, is that correct??

7 years from the date of the end of the conviction as far as I remember

hefferboi

Riva10 wrote: »

Even if your housemate agrees to your suggestion, when he names you as a named driver, the insurance company will ask if you have any convictions. Not declaring these previous convictions is not an option.

Can you drive as a named driver if you have a conviction?

mitresize5

do the crime do the time

don't compound your **** up with trying to be smart

miece16

hefferboi wrote: »

Where in my post did I complain about the cost? I stated facts and asked 2 questions. Don’t try and be smart.

your whole post is complaining about the cost hence the reason why you're trying to dodge paying 5k

Riva10

hefferboi wrote: »

Can you drive as a named driver if you have a conviction?

Insurance company may not accept you as a named driver and if they do, they will load the policy holders quotation.

eeguy

hefferboi wrote: »

Can you drive as a named driver if you have a conviction?

The friend will have to check his policy. AFAIK they require a named driver to not have any convictions. Also, since he doesn't even own the car, and will probably have another policy on his own car, there might be other issues there too.

Seems there are some insurers who won't quote you for 5 years after your conviction.

OP it's going to be expensive either way. You're a new driver, zero no claims and you've already been put off the road. Best of luck!

hefferboi

miece16 wrote: »

your whole post is complaining about the cost hence the reason why you're trying to dodge paying 5k

It’s not complaining. I stated all the facts of the story so I could get informed answers of the 2 questions I asked. I mentioned the price of the quote as a fact, I didn’t complain about it.

I know I messed up and I’ll pay the price for it. I only wanted to know was there a cheaper legal route I could take. But there had to be a moron come trotting in on his high horse.

Rave.ef

hefferboi wrote: »

Where in my post did I complain about the cost? I stated facts and asked 2 questions. Don’t try and be smart.

If your not complaining about the cost and trying to get a way around it then what's the whole idea of your post. Wasn't being smart just pointing out the obvious.

Rave.ef

hefferboi wrote: »

It’s not complaining. I stated all the facts of the story so I could get informed answers of the 2 questions I asked. I mentioned the price of the quote as a fact, I didn’t complain about it.

I know I messed up and I’ll pay the price for it. I only wanted to know was there a cheaper legal route I could take. But there had to be a moron come trotting in on his high horse.

I actually can't ride a horse

jeepcj

I'd say you'd be better off having him get open driving on the car, but that won't build up any no claims bonus

beertons

Maybe try that boxymo crowd. They fit a black box recorder thing to your car, so they have a feed of what times you are driving and and the speeds you were doing. Use it till your 7 years are up.

Sleeper12

jeepcj wrote:

I'd say you'd be better off having him get open driving on the car, but that won't build up any no claims bonus

You need to be very careful here. Open drive usually excludes learners & anyone with a driving conviction. Clean full licence is usually required

hefferboi

Rave.ef wrote: »

If your not complaining about the cost and trying to get a way around it then what's the whole idea of your post. Wasn't being smart just pointing out the obvious.

I’m not complaining about it. I knew it would be high since the day I was put off. If there’s a legal way of getting cheaper insurance then I’d obviously prefer to go for it. I was just trying to get all my options.

AnneFrank

hefferboi wrote: »

It’s not complaining. I stated all the facts of the story so I could get informed answers of the 2 questions I asked. I mentioned the price of the quote as a fact, I didn’t complain about it.

I know I messed up and I’ll pay the price for it. I only wanted to know was there a cheaper legal route I could take. But there had to be a moron come trotting in on his high horse.

Thousands make the same mistake every year heffer, no point beating yourself up you served your time.Did it cost much to get the licence back?

Shemale

€5,000 isnt too bad all things considered, drink driving, long disqualification, age, licence lack of driving experience at least you got a quotation.

Dunno if your quote is from Arb if not you could see if they can quote you, they used to do non standard motor ie convictions and the like. Another crowd called xs direct do cover with a large excess, not sure what their acceptance criteria is.

Also you could look at getting a quote for Third Party Only, if you can get it, will cover your statutory insurance obligation and wont cover the car, might save you a few bob, third party fire and theft is the second least expensive cover and gives you some cover on the car

hefferboi

AnneFrank wrote: »

Thousands make the same mistake every year heffer, no point beating yourself up you served your time.Did it cost much to get the licence back?

It cost 700 between the solicitor and the application form for early restoration.

hefferboi

Shemale wrote: »

€5,000 isnt too bad all things considered, drink driving, long disqualification, age, licence lack of driving experience at least you got a quotation.

Dunno if your quote is from Arb if not you could see if they can quote you, they used to do non standard motor ie convictions and the like. Another crowd called xs direct do cover with a large excess, not sure what their acceptance criteria is.

Also you could look at getting a quote for Third Party Only, if you can get it, will cover your statutory insurance obligation and wont cover the car, might save you a few bob, third party fire and theft is the second least expensive cover and gives you some cover on the car

Cheers, haven’t tried those but I’ll ring them in the morning and see. The €5000 was from Axa for third party only. It was €6000 for fully comp. I think I’m better off just waiting until I pass my driving test, please god, and seeing what quote I can get with a full licence.

Quote Devil said they’d do better than Axa if i get my full licence.

Dev84

The high horse boardies will love this one
"Gets popcorn"

CeilingFly

Go to a broker.

There are specialist insurers out there. The excess is quite high - usually about €2,000-€3,000

They will not entertain you until you have a full licence.

Sleeper12

OP why not try a smaller engine for a year or so to help bring your insurance down. Daewoo had a Matiz that had a .8L engine. Cheaper tax too

ANXIOUS

Sleeper12 wrote: »

OP why not try a smaller engine for a year or so to help bring your insurance down. Daewoo had a Matiz that had a .8L engine. Cheaper tax too

I doubt it's the car, More so overall risk.

GG66

If you're going on someone else's policy it's not just a case of paying their extra premium. You should consider the hike in their insurance in the event of a claim and who covers that. If it's legal and possible. If it is the other person is taking a lot of risk for you.

Get your licence for sure.
In the meantime you should be able to get quotes by stating you have a full licence, you don't have to takeout the policy but at least you know the savings you'll get.

Some insurers offer discounts for those who've taken advanced driving courses.

Get the smallest engine possible in your quote.

Good luck

Rave.ef

hefferboi wrote: »

I’m not complaining about it. I knew it would be high since the day I was put off. If there’s a legal way of getting cheaper insurance then I’d obviously prefer to go for it. I was just trying to get all my options.

That's fair enough just how it came across. No body's perfect we all f**k up. But in reality I don't think you've a way around this one because there is a lot of fine print where you and your friend could get caught out.

hefferboi

Rave.ef wrote: »

That's fair enough just how it came across. No body's perfect we all f**k up. But in reality I don't think you've a way around this one because there is a lot of fine print where you and your friend could get caught out.

Ya that’s fair enough I don’t think I’m going to go that route anyway. Too much risk for my friend in fairness. I reckon I’ll just take the hit for a few years and build up my no claims bonus until I don’t have to claim that I had a disqualification.

Doctors room ghost

Leave your housemate out of it.its Mickey Mouse territory bordering on fraud getting someone to name you on a provisional license when you plan on being the main driver and probably unaccompanied.neither you or housemate will do good on this and guaranteed it will get sour.
In the long run you need to take the hit now and move on.the sooner you start your own policy the sooner you will be able to get proper quotes at reasonable prices.

eeguy

Get your license.
Do advanced driver courses
Buy a low risk car.
Hope that you live in a low risk area and have a low risk job.

Maybe add your parents as named drivers of they have decent no claims.

Sleeper12

ANXIOUS wrote:

I doubt it's the car, More so overall risk.

I get that. Only a learners permit & and drink driving conviction. He's still a less of a risk in a smaller car though. It might take a few hundred off the quote

gustafo

Sleeper12 wrote: »

hefferboi wrote:

Also, I read that after 5 years from the date I was put off the road that I don’t have to tell the insurance companies about my conviction, is that correct??

7 years from the date of the end of the conviction as far as I remember

it's 7 years from the date you were convicted, so it's the date you were put off the road is when it starts

Shemale

Not sure if it is still the case but a male only policy used to be more expensive.

If you are married get quotes with your spouse as a named driver otherwise get a quote with your mam as a named driver if she has a full licence and clear record.

toyotafan

Well... I was in my school today afternoon and there were two lads also drink driving as I could see They were drinking while car was running. They fightent me by trying to hit me by their car following by their bull**** laughs. I wish they would get banned for 20 years. Insurance for €5000 for drink driving is too too cheap to be consideref of how danger such kind of drivers.

eeguy

toyotafan wrote: »

Well... I was in my school today afternoon and there were two lads also drink driving as I could see They were drinking while car was running. They fightent me by trying to hit me by their car following by their bull**** laughs. I wish they would get banned for 20 years. Insurance for €5000 for drink driving is too too cheap to be consideref of how danger such kind of drivers.

Bit of a difference no? Getting caught for driving then morning after is a bit different from two anti social knacks being a##holes.

Can't tar everyone with the same brush.

honda boi

toyotafan wrote: »

Well... I was in my school today afternoon and there were two lads also drink driving as I could see They were drinking while car was running. They fightent me by trying to hit me by their car following by their bull**** laughs. I wish they would get banned for 20 years. Insurance for €5000 for drink driving is too too cheap to be consideref of how danger such kind of drivers.

With those kind of people a 20 year ban won't stop them driving.
They,ll walk out of court with a naggin of vodka and hop back into any car they can get there hands on.

Farmer Bob

hefferboi wrote: »

I’m now looking to get back driving but have been quoted €5,000. I’m 26 and I’ve only got a provisional licence but have my driving test next month. I was looking at a 2011 Ford Fiesta 1.4 diesel or a 2010 Polo 1.2 petrol.

Try XS Direct. Excess is €3k if you have a claim

....Also, I read that after 5 years from the date I was put off the road that I don’t have to tell the insurance companies about my conviction, is that correct??

Notification period is 7 years since being put off the road... The insurance company asks if there are any material facts which may affect your application. Drink driving convictons would come under this category. Your policy would be invalid if you failed to mention a material fact...

Liam McPoyle

toyotafan wrote: »

Well... I was in my school today afternoon and there were two lads also drink driving as I could see They were drinking while car was running. They fightent me by trying to hit me by their car following by their bull**** laughs. I wish they would get banned for 20 years. Insurance for €5000 for drink driving is too too cheap to be consideref of how danger such kind of drivers.

Did you report them to the Gardai?

hefferboi

Farmer Bob wrote: »

Try XS Direct. Excess is €3k if you have a claim



Notification period is 7 years since being put off the road... The insurance company asks if there are any material facts which may affect your application. Drink driving convictons would come under this category. Your policy would be invalid if you failed to mention a material fact...

So you have to mention the drink driving even after the 7 years??

Farmer Bob

Your conviction is spent after 7 years. So on the 7th anniversary of being put off the road it's nobody's business any more...

28064212

hefferboi wrote: »

So you have to mention the drink driving even after the 7 years??

No:

http://www.irishstatutebook.ie/eli/2016/act/4/enacted/en/print wrote:

6. (1) Subject to the provisions of this Part, where a person has a conviction which is, in accordance with this Part, regarded as a spent conviction, he or she shall not be required by—
(a) any rule of law, or
(b) by the provisions of any agreement or arrangement which purport to require the person to disclose the conviction or any circumstances ancillary to the conviction,
to disclose that conviction or the circumstances ancillary thereto.

There are some exceptions to the above, but the only exception related to insurance is in cases where "A person who is convicted of fraud, deceit or dishonesty" apply

toyotafan

Business Cat wrote: »

Did you report them to the Gardai?

No, I did not do anything, and Gardaí might not do anything further so just waste time. But next time if I saw anything like that, I would capture their registration number and report Gardaí.

Bogwoppit

toyotafan wrote: »

Business Cat wrote: »

Did you report them to the Gardai?

No, I did not do anything, and Gardaí might not do anything further so just waste time. But next time if I saw anything like that, I would capture their registration number and report Gardaí.

You made the effort to come on boards and complain that the Gardaí might not actually do anything about it but didn't actually bother informing the Gardaí, do you see a problem with this?