Getting insured after driving ban

Meander

Hi

Hoping some here maybe can assist with this scenario.

16 years ago approx. I was barred from driving with a conviction of dangerous driving a stupid thing on my part and was quite serious. I have never been insured and the car involved wasn't mine. For years I have avoided getting on the road as 1) its not necessary for me I can do without a car right now 2) with the conviction I predict the cost of insurance would be prohibitive.

I am getting to a stage where having a car would be good for me and can make more choices on where i live etc with a car.

Is there anyone here with a similar experience or have worked in motor insurance that can tell me would any insurer quote me a feasible cost to get on the road. If there is no point pursing I wont bother doing the lessons etc.

con747

https://www.boards.ie/discussion/2058422202/getting-insured-after-driving-ban

Do some online quotes using the reg of a car on done deal, no other way to find out really. Just be 100% honest.

Dial Hard

https://www.boards.ie/discussion/comment/123734071#Comment_123734071

OP more than likely won't even be able to get an online quote, as soon as he answers "Yes" to the "Have you ever had a conviction or driving ban" question, the process will automatically close and he'll get a "We cannot provide you with an online quote at this time" message.

OP, you need to hit the phones. I'd start with brokers, tbh, they'll be able to tell you pretty much immediately if it's a runner or not. Afaik, if you've been refused a quote by three different insurers you can go to the Declined Cases Committee of Insurance Ireland, who will procure a quote for you, but it's likely to be in the thousands, just fyi.

Big Bag of Chips

Once it's been 7 years since the conviction it's classed as "spent" and you don't have to declare it.

secman

From Citizens Advice

• All convictions in the District Court for motoring offences except for convictions for dangerous driving
• A single conviction for dangerous driving in the District Court or Circuit Court which resulted in a prison sentence of 12 months or less, or a fine
• All convictions in the District Court for minor public order offences
• A single conviction (other than a motoring or public order offence) in the District Court or Circuit Court which resulted in a term of prison term of 12 months or less (or a fine)

The Act does not apply to any conviction for a sexual offence or an offence which was tried in the Central Criminal Court. These offences cannot become spent convictions.

Disclosing a spent conviction

In general, you do not have to disclose a spent conviction when supplying information on past convictions.

You must disclose spent convictions in the following situations:

• In a Garda interview following your arrest in connection with the investigation of an offence
• When applying to enter, or remain in the State
• When applying for Irish citizenship
• In an application or during an investigation under Part 3 of the Central Bank Reform Act 2010
• In court proceedings in the circumstances set out in Section 7 of the Act
• On any insurance or assurance proposal or form, if you have been convicted of fraud, deceit or dishonesty when making a claim
• Applying for certain types of licences. These licences include public service vehicle, private security, taxi and firearms licences

The Irish spent convictions legislation cannot be used if you are required to disclose information about your criminal convictions to another state. You are subject to that country’s laws and may have to disclose such.

Page edited: 12 December 2023