Insurance for convicted driver

cavo

Ok well i have been trying to get an insurance for myself for the last while.Here are the details:
I was banned from driving for 2 years for drunk in charge of a vehicle NOT drink driving.I had the keys in my hand while sitting in the car listening to the radio and the police turned up and arrested me.Anyway i appealed my conviction and got my licence back a year early.However it seems to have been a waste of time because every insurance company i approach politely tell me to s hit off.I am a 22 year old male,full licence looking for insurance on a 1994 1.4l golf.I did however receive a quote yesterday from ARB who specialise in people with convictions yet they quoted me a ridiculous 5,600 euro.Im just wondering if anyone knows of anyone who was banned from driving and then got insurance afterwards and how they went about it,which company e.t.c
Thanks

seamus

cavo wrote:

Ok well i have been trying to get an insurance for myself for the last while.Here are the details:
I was banned from driving for 2 years for drunk in charge of a vehicle NOT drink driving.I had the keys in my hand while sitting in the car listening to the radio and the police turned up and arrested me.Anyway i appealed my conviction and got my licence back a year early.However it seems to have been a waste of time because every insurance company i approach politely tell me to s hit off.I am a 22 year old male,full licence looking for insurance on a 1994 1.4l golf.I did however receive a quote yesterday from ARB who specialise in people with convictions yet they quoted me a ridiculous 5,600 euro.Im just wondering if anyone knows of anyone who was banned from driving and then got insurance afterwards and how they went about it,which company e.t.c
Thanks

I think that's pretty much what you're looking at for the next few years. Your age doesn't help at all. Insurance companies tend not to look at the specifics. You're a young driver with a drunk in charge conviction. To them that says "Sure fire accident".

I think you need to rethink your options. If it was me, I'd decide it's not worth having a car, and have a look at relocating. You may have to give yourself 5 or 6 years and then come back and take a look.

€5,600 sounds reasonable tbh. Sucks, but hey.

Boggle

Buy a cheapish bike and don't bother insuring it. Completely illegal but as I see it u've been screwed by the system so you don't owe it anything.

Just don't pull over for the police... It's not like the fat bastards will catch you.

Nuttzz

Boggle wrote:

Buy a cheapish bike and don't bother insuring it. Completely illegal but as I see it u've been screwed by the system so you don't owe it anything.

Just don't pull over for the police... It's not like the fat bastards will catch you.

brilliant :rolleyes: I'm going to stop paying my insurance too and funk any gobsh1te that gets in my way

Boggle

Why not? Sounds like he got screwed by the state and is now in a position where he can either not drive or drive uninsured. Knowing the odds of getting caught if your discreet then I know my option of choice? Once the endorsements gone he can go back to normal but until then....

D!ve^Bomb!

Boggle don't be a moron.. yes that's right.. a moron!!

unless he was sitting in his driveway listening to his car radio then i don't think he was screwed.. It may have been a little unfair but it's nice to see the gards being a little pro-active for a change..

Cavo - just give up on the car for the moment, use that money to enjoy life a little, buy a nice bicycle and cycle to work, it's worth it.. it doesn't cost as much and you'll live longer plus it's a good hobby

seamus

Boggle wrote:

Completely illegal but as I see it u've been screwed by the system so you don't owe it anything.

I know you're trolling but I'll bite. How was he screwed by the state? He broke a very clear law. It's not 100% fair, but it's a reasonable law that is easy to not break. Besides, driving any vehicle without insurance only serves to increase everyone's insurance.

Boggle

Divebomb ... dont be a tosser! And who are you to testify that the guy was guilty. Shockingly, it does happen that people get arrested for sitting in their car while drunk.... You can get arrested for sleeping in your car while drunk if u've the keys on you ffs. (Ever been to Witness? Anyone asleep in the carpark in their cars is technicall drink driving...) I would tell you not to be naive but I dunno if u'd understand...

I never said driving uninsured was a good idea and I was mess'n to start - but if he needs a car for work then a bicycle will hardly cut it and given his lack of options then this rates as well as any other u'v provided.

D!ve^Bomb!

why wouldn't a bicycle cut it? .. i used to always cycle to work..

And who are you to testify that the guy was guilty

Well, erm, he was already found guilty so i guess i don't have to

Boggle

And I suppose you worked in la la land?!?! :rolleyes:

D!ve^Bomb!

don't mock la la land:mad: don't ever mock la la land

Stephen

But he appealed the conviction and got the licence back - surely he should not be counted as "convicted" then?

seamus

Stephen wrote:

But he appealed the conviction and got the licence back - surely he should not be counted as "convicted" then?

Sounds like he appealed the conviction and had his ban reduced from 2 years to 1 year. If his conviction was quashed, then he wouldn't be required to declare it to the insurance companies.

jhegarty

seamus wrote:

Sounds like he appealed the conviction and had his ban reduced from 2 years to 1 year. If his conviction was quashed, then he wouldn't be required to declare it to the insurance companies.

na , its usual to get the sentence redacted to half the original.....

seamus

jhegarty wrote:

na , its usual to get the sentence redacted to half the original.....

Yes, but the conviction still applies...

Loco

um... he got completely screwed!

i always go back to my car after drinking in town to sit and wait for a lift/taxi when im locked... better to have warmth and a radio while u wait 30 mins or so for taxi

i start the engine put on the heat and radio and sit and wait. u think i should be banned for 2 years because of this too?

i have done it like 20 times.. didnt even know sitting drunk in your car was illegal.. just thought driving was

btw: i also have a smoke... but if they want to arrest me for that its different

D!ve^Bomb!

well why do you drive into town in the first place then:rolleyes:

Seth Brundle

Loco wrote:

um... he got completely screwed!

i always go back to my car after drinking in town to sit and wait for a lift/taxi when im locked... better to have warmth and a radio while u wait 30 mins or so for taxi

i start the engine put on the heat and radio and sit and wait. u think i should be banned for 2 years because of this too?

i have done it like 20 times.. didnt even know sitting drunk in your car was illegal.. just thought driving was

btw: i also have a smoke... but if they want to arrest me for that its different

he was not screwed. He was just unfortunate to get caught on a charge that is generally associated with something much worse.
However, the OP didn't even start the car - you did. Think of what could happen when you get in one night and suddenly in your pissedness decide to take the chance and drive home & you kill someone.
Now that you know it can get you into trouble Loco, are you likely to sit in your car again with the engine running and you pissed?

Loco

no, i will stand outside the car in the freezing cold rain and wind to wait for my taxi instead O_o

fk that.. i can control myself when i drink.. never have drink drived..never will..been in my car hundreds of time when not sober and didnt even think of driving.. im stayin warm :P

Loco

D!ve^Bomb! wrote:

well why do you drive into town in the first place then:rolleyes:

would you rather me walk the 10 miles instead.. or pay for 2 taxis in and out :rolleyes:

stupid question

Boggle

In fairness loco - while I have sympathy with the original poster because he was only sitting in the car I would have very little sympathy if the engine was running.... that's just asking for trouble.

don't mock la la land don't ever mock la la land

Sorry couldn't resist ...

seamus

fk that.. i can control myself when i drink..

We all say that. What happens to that one night you have a bad buzz? You're not sober, but you've not been drinking that much so you feel OK. You're pissed off, there are no taxis, it's pissing rain, and all you want to do is get home and go to bed. You decide, ****it, I'm probably over the limit, but not so much so that I'll attract attention.

If you drive into town, give your keys to a reliable mate who'll come back into town with you the next day.

Either way, you have to make two trips in and out of town - I don't see your problem with not driving in.

Seth Brundle

Loco wrote:

would you rather me walk the 10 miles instead.. or pay for 2 taxis in and out :rolleyes:

stupid question

personally I don't give a shít what you do but don't get into a car when you are full! If you want to drink then you have some options:-
* get a lift to where you are going and get taxi home
* drive to where you are going and get taxi home and collect car the following day
* don't drink if you have the car with you - works for me (Becks NA, Erdinger Alcohol free...)

Loco

1. i have slept in my car a few times before with engine running to keep me warm because i couldnt get home from a house party.. at least 1 time i was as drunk as you can be and the party was ****

2. engine on = warmth.. engine off = freezing november = sickness

3. i dont bring the car in by choice.. if i can get a lift i will.. but my mother and father usually have better things to be doing than dropping me everywhere

4. i have elected not to drink many times when i have the car.. but if its a good night im not staying sober!

kbannon what are you saying? if i am going out drinking i should leave the car at home no matter what?

give keys to reliable mate? what sort of states do you drunks get into... i can turn on the engine and decide to not drink drive.. its drunks like you that cause all the trouble!

i have been doing this for 3 years, i have slept in the car when its not possible to get home.. even go into town and get breakfast from bewleys after it! :P

thats only been once though.. i have a few friends around college area with apartments who cater towards stranded drunks

seamus

give keys to reliable mate? what sort of states do you drunks get into... i can turn on the engine and decide to not drink drive.. its drunks like you that cause all the trouble!

There go you but for the grace of God. Anyone is possible of anything, given the right (wrong?) circumstances.

Just a quick query - when you drive in and leave your car in town, how do get back to your car the next day, and why doesn't that mode of transport suffice for getting into town in the first place? The cost is the same, but you don't have to get back into town hungover the next day.

Loco

O_o

night...parents...out...morning...parents...in?

too hard to understand?

yes anything could happen... if i chose to not get in the car maybe i could get run over by a truck?

Loco

i know its against the law to be drunk and in control of a vehicle.. but whats the difference standing outside the car with keys in pocket/than being inside the car with keys in pocket/ignition

i used the engine for heat..

anyways i park in the same place whenever i go to town, near college of commerce where theres loads of cameras.. to prove me innocent (well to keep the car safe.. broken mirrors and all that )

but more to the point.. i think he did nothing wrong and should never have been convicted in the first place... not to mention having trouble getting insurance now.

seamus

Loco wrote:

night...parents...out...morning...parents...in?

too hard to understand?

You failed to state anything of the sort about your parents, rather "my mother and father usually have better things to be doing than dropping me everywhere".

i know its against the law to be drunk and in control of a vehicle.. but whats the difference standing outside the car with keys in pocket/than being inside the car with keys in pocket/ignition

Scenario A, you are standing outside the vehicle, scenario B, you are "in charge" of the vehicle. It's illegal to be "in charge" of a vehicle while drunk, for obvious reasons.

anyways i park in the same place whenever i go to town, near college of commerce where theres loads of cameras.. to prove me innocent (well to keep the car safe.. broken mirrors and all that )

Innocent of what? The cameras have been documenting your continued law-breaking for the last 3 years.

but more to the point.. i think he did nothing wrong and should never have been convicted in the first place... not to mention having trouble getting insurance now.

Your opinion is irrelevant. He was convicted and punished in accordance with the law, he admits that himself.

Loco

seamus wrote:

You failed to state anything of the sort about your parents, rather "my mother and father usually have better things to be doing than dropping me everywhere".

what? are you blind?

seamus wrote:

Scenario A, you are standing outside the vehicle, scenario B, you are "in charge" of the vehicle. It's illegal to be "in charge" of a vehicle while drunk, for obvious reasons.

i know its against the law... i was pointing out that a person would be just as close to drink driving standing outside the door with keys as sitting in car with keys..

seamus wrote:

Innocent of what? The cameras have been documenting your continued law-breaking for the last 3 years.

:rolleyes: ok captain planet, the cameras are on the passenger side, i have tinted windows, the rear of the car is slightly behind a wall, they never see me with keys in hand and cannot see that the car is running, so no law breaking is being documented.

seamus wrote:

Your opinion is irrelevant. He was convicted and punished in accordance with the law, he admits that himself.

my opinion is that this law is silly, and that he shouldnt have been punished for sitting in his car while drunk, its relevant to this topic, have you got a problem with it? :rolleyes:

stratos

I wonder about things like these. Strange stuff happens especially at weekends. Drink is involved and then sometimes the guards arrive. I am a little bit leery here about the details. The guards I find for the most part are pretty fair (hey just my experience). But you have to realise wrecked out of your head on a Saturday night, if the guards become involved, you have to realise they have total power. Sober up and start licking boots. It amazes me the stupid things people get prosecuted for, makes me wonder, were their choice of words, lets say, not the best?

Boggle

Hey loco, to be honest you are putting yourself in an awful risky position and its grand getting away with it so far but eventually you will get caught (even though you have no intention of driving)

The best thing you can do is when you get in is (if you have easy access from inside the car) to put the keys in the boot where you can easily retrieve them but at the same time they are also not inside the car.... i.e. you can't be convicted for DD as you dont have the keys inside the car. As for the heating element, leave a blanket in the boot.... also serves to protect your shirt from hotrock burns!

Seriously mate, a bit of cop on is required here cos WHEN you get caught it will bring a whole load of **** down on yourself...

seamus

Loco wrote:

my opinion is that this law is silly, and that he shouldnt have been punished for sitting in his car while drunk, its relevant to this topic, have you got a problem with it? :rolleyes:

Actually, it's completely not revelant to the topic, none of this dicussion is. My "irrelevant" comment was in the context of law. The law doesn't care what your opinion is about it, the law just is. The court isn't going to let you off because you don't agree with it.

Boggle wrote:

Seriously mate, a bit of cop on is required here cos WHEN you get caught it will bring a whole load of **** down on yourself...

Indeed. I gather by your posts Loco, that you park on the street. That means you will be caught one night you're asleep in the car, by a passing Garda. You won't have any comeback. "I wasn't driving" is no defence.

Don't get me wrong here, I'm not saying you're a bad or evil man for breaking this law. Just that's it's a very clear law, with severe punishments, and it's very easy not to break.

I'm guessing it was probably penned a good few years back. We take a lot for granted. It's not that long ago that cars didn't really have comfy, reclining seats, heaters, storage space and radios as standard. Back when the law was conjured, it was reasonable to assume that if someone was sitting in their car, keys on them, or in the ignition, that they were intending to travel, or had just travelled. Thus, if you were drunk, you had just driven drunk or were intending to drive drunk. People didn't sit in their cars to listen to the radio, or take a nap, or flick through some documents in their glove compartment.

A modern example can be taken with a motorbike. My bike has no heaters for me, no radio, and very little storage space. Thus, if I'm sitting on my bike, keys in the ignition, it's reasonable to assume that I'm either a) Intending to travel, or b) performing maintenance. If I'm drunk, then the possibility of scenario B is non-existent, therefore I must be intending to drive my bike drunk.

Loco

Ok sorry im allowed no opinion, and any previous opinions i withdraw because they are not relevant. Happy seamus?

What about when i leave my jacket in a car when i go to a night club? If i go back to get it after the club should i be arrested seamus? Should i go to court and be banned for 2 years because i was in my car for a second to get my jacket? Do you have any opinion, or are you some sort of opinion less law abiding sheep? Would u go ask a guard to take your coat out of your car for you because you dont want to be banned?

Im sick of debating this, especially when sheep like seamus are telling me my opinions are completely irrelevant and that the court wouldnt care about them.

I know what would happen in court if the police found me sitting drunk in my car, you dont have to keep telling me...

My opinion is this law has many flaws. And i will repeat for the sheep, he should never have been convicted and have trouble with finding insurance now.

Seth Brundle

To be honest, unless your real name is Michael McDowell and you can force the law to change, then your opinion is of no use to you when caught pissed sitting in your car with the engine running!
He was convicted of breaking a law. Unfair? Maybe, but then again should we dismiss some TV licence evasion cases purely because the defendants never actually turned the TV's on? No! The law is specific. If you don't like that then become Minsiter for Justice and change it. Otherwise don't break it!

seamus

Loco wrote:

Ok sorry im allowed no opinion, and any previous opinions i withdraw because they are not relevant. Happy seamus?

What about when i leave my jacket in a car when i go to a night club? If i go back to get it after the club should i be arrested seamus? Should i go to court and be banned for 2 years because i was in my car for a second to get my jacket? Do you have any opinion, or are you some sort of opinion less law abiding sheep? Would u go ask a guard to take your coat out of your car for you because you dont want to be banned?

Im sick of debating this, especially when sheep like seamus are telling me my opinions are completely irrelevant and that the court wouldnt care about them.

I know what would happen in court if the police found me sitting drunk in my car, you dont have to keep telling me...

My opinion is this law has many flaws. And i will repeat for the sheep, he should never have been convicted and have trouble with finding insurance now.

In other words, you failed to read my post. Nice one.

kbannon has said exactly what I was going to. The court *doesn't* care about your opinion. Yes, the law is flawed in this case, no-one is disagreeing with you, but a flawed law is not a non-existent law.

thelurcher

edited.

Mike.

zAbbo

We can only go by what the OP has said, obviously he's making it sound slightly biased.

Sitting in his car, drunk with absolutely no intent on driving? Doubt it, came out of the pub to listen to the radio ?

Bullshít

Deserved the ban, Idiot imo. If you're drinking or had a few in you, never go near the car.

And dont come over with blaming the guards crap, you were probaly visibly drunk, and got into the drivers seat of the car (intent on driving)

and now back to f4ght teh PoWeh replies

seamus

thelurcher wrote:

There's a lot of bulls**t written in this thread. No one should praise the gards for getting a fella banned for sitting in his car drunk.
Why don't they have checkpoints outside all the small country pubs? I see the langers stumbling out of the local here and off home in their cars - you can be sure that's repeated all over.
There's a lot of teens around who can't afford insurance so they're walking home from friends houses at the same time as these pissheads - madness!
Can you imagine the vintners lobby if there were checkpoints outside all the pubs or even just at random - it would never happen! :mad:

Take no **** of the guards either - seriously- they're not the gestapo I hate the smart ass little ****s talking down to me - put them in their place - I've had the pricks appologise to me - they're too used to people licking up to them. (I'm not saying to start tearing into them - and if you're totally in the wrong let it go!)

Did you have a point here that had absolutely anything to do with this thread?

To go back to the original question:
Get a Unimog - they're taxed, insured etc as a tractor (in UK at least but probably same all over EU?) - you'd get 50MPH out of them - they'll go literally anywhere - I think theyr'e mad looking.
Good Luck.

Never heard of them, just googled. Look pretty cool actually. Only problem is that conviction in any vehicle is counted for any insurance policy. Is tractor insurance much cheaper?

cavo

We can only go by what the OP has said, obviously he's making it sound slightly biased.

Sitting in his car, drunk with absolutely no intent on driving? Doubt it, came out of the pub to listen to the radio ?

Bullshít

Deserved the ban, Idiot imo. If you're drinking or had a few in you, never go near the car.

And dont come over with blaming the guards crap, you were probaly visibly drunk, and got into the drivers seat of the car (intent on driving)

and now back to f4ght teh PoWeh replies

yeah im such an idiot that i rang my dad to get him to collect the car and waited outside in it for him.God i should be shot for that.Its small minded idiots like you that should work for insurance companies.Might be a bit of a better career as opposed to being a moderator for a webboard which ive been doing since i was in school.

zAbbo

Tough break, you never mentioned any of this in the original post, still think you were very stupid to get into the drivers seat of your car

Moderating the internet is my lifes work btw.

Loco

bazH wrote:

We can only go by what the OP has said, obviously he's making it sound slightly biased.

and your post is totally biased.

One question, do you guys drive? cause it doesnt sound like it :P

seamus

Loco wrote:

One question, do you guys drive? cause it doesnt sound like it :P

Based on?
I'm more surprised that you do drive, and you're ignorant of this particular law.

Seth Brundle

Loco wrote:

and your post is totally biased.

One question, do you guys drive? cause it doesnt sound like it :P

biased against being in charge of a vehicle whilst pissed? Yes I am! If I want to go into the city centre at night and bring the car then I drink alcohol free beer (usually the only option is Becks). If there is none present then I drink coke or something.
If I have a skinful then the thought to return to my car doesn't occur as I know better!
It is called self-discipline!

Anyway, you obviously don't agree with the legal status of it all so why not protest...
email Michael McDowell

Loco

kbannon wrote:

biased against being in charge of a vehicle whilst pissed? Yes I am! If I want to go into the city centre at night and bring the car then I drink alcohol free beer (usually the only option is Becks). If there is none present then I drink coke or something.
If I have a skinful then the thought to return to my car doesn't occur as I know better!
It is called self-discipline!

Anyway, you obviously don't agree with the legal status of it all so why not protest...

so you agree that under no circumstances, if u exceed the legal alcohol limit for driving, may you return to the vehicle?

even after 1 and a half pints?

lightweights!

if the car is parked near the pub and your jackets in it and its raining?

deciding not to drive is just the same as deciding not to return to the car! its all self discipline! only difference is if u get into the car and the police catch you your ****ed!

tee_roaul

if the car is parked near the pub and your jackets in it and its raining?

Raining in the pub ? Running out to get jacket, must start car, listen to radio...post retarded stuff on internet

Seth Brundle

What are you on about?
If I go into the city centre for a drink (or anywhere else for that matter) and I bring the car, I simply don't drink. If on the extremely rare occasion take a drink then I will already have parked in a multi-storey car park (I never park on the street!), so I would have any jackets, etc. that I need, so your suggestion doesn't arise.
However, if it did then I certainly wouldn't sit there with the engine running!*
Maybe it is because Im older now and have responsibilities that Im mature enough not to walk into a situation where I can end up in trouble.

*edit: If I returned to the car it would be to remove something from the boot. I wouldn't have a need to get into the car, not to shelter from the cold, not to listen to the radio, not to get a quick blow job, nothing!

lomb

Loco wrote:

um... he got completely screwed!

i always go back to my car after drinking in town to sit and wait for a lift/taxi when im locked... better to have warmth and a radio while u wait 30 mins or so for taxi

i start the engine put on the heat and radio and sit and wait. u think i should be banned for 2 years because of this too?

i have done it like 20 times.. didnt even know sitting drunk in your car was illegal.. just thought driving was

btw: i also have a smoke... but if they want to arrest me for that its different

best sit in the passanger seat then and lock the doors

D!ve^Bomb!

again, i have to ask this simple question.. if you're going into town or anywhere to have a few drinks.. then please tell me...

edited for foul and abusive language. Dive Bomb you're on a warning.... Mike.

Boggle

Jesus! this is getting insulting very fast... back to the original question lads. Does anyone know of a way of helping the original poster? A slagging match doesn't help him much...
(Don't make me suggest the bike again!!...)

And if you disagree with a law then can you not appeal based on the law being unjust - or is this truly a DICKtatorship now??

sound_wave

D!ve^Bomb! wrote:

again, i have to ask this simple question.. if you're going into town or anywhere to have a few drinks.. then please tell me...

WHY THE FúCK DO YOU BRING YOUR CAR IN THE FIRST PLACE YOU FúCKIN GOBSHíTE!!!!!!!!!???

what if you dont plan on having a drink and then end up doing so? Its been know to happen. Please don't shout its rude.... Gob****e..

Seth Brundle

there isn't much he can do as between both his age and his offence he will invariably pay over the odds for many years!
He got a quote for €5600 on a 1.4 golf. This may be the best he will see for a long time!