Insurance after ban?

[Atomicboy]

I'll be 25 in a 2 months, have 6 yrs ncb, 3 points and 1 ban (14mnths, DD) which ends at the end of april.

I still have my s14 but has anyone ever lost their licence before and how much extra did it cost? I've got nearly £5000 saved up, but if it's more than £1300 - £1400 I'll sell the car.

Any advice would be welcome

[docwra]

Ive got a mate who is 28 and had a 14 month DD - he took some course towards the end of the ban and his insurance is now ......... reasonable
Prolly a little more than Id expect to pay ona similar car (Im 23, 2 write offs)
If you want details, Ill tap him up and see what he did


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92 200SX, grey
K+N 57i (Im ready for max power now!!)
Bit of ICE, cant be arsed to take the dash off to put more in
Manual, for I have the stick in the middle of my car and in the middle of my legs
Never refuse a challenge!!
gentlemen prefer blondes ......

[Bean]

Originally posted by Atomicboy:
I'll be 25 in a 2 months, have 6 yrs ncb, 3 points and 1 ban (14mnths, DD) which ends at the end of april.

I still have my s14 but has anyone ever lost their licence before and how much extra did it cost? I've got nearly £5000 saved up, but if it's more than £1300 - £1400 I'll sell the car.

Any advice would be welcome

I'll be in a similar situation soon.

I'm also 25 in two months time, got 7 years NCB. Clean license, although awaiting summons for alleged speeding offence of 108mph.

I'm sure you'll be alright, just phone around a lot of companies, I tend to phone at least ten every year!

I think DD offences are less liked than speeding ones. http://300zx.co.uk/200sx/ubb/frown.gif

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Burgundy 95 S14, The box said "Requires Win98, NT, or better," so I installed Linux.

[Atomicboy]

I'd appreciate it if you could find out more info from your friend docwra. I've got my 'rehabilitaion' course next month - any idea if this course got him off any lighter?

At the mo, I haven't told any ins company about my ban - just told my last insurer I was off to Oz for a year+. Am tempted not to mention the ban, so don't want to give too much away to any company just yet...

[docwra]

Just phoning him up now ................
BTW I would declare the ban - Id guess that your insurance would be invalid if you hadnt told them, same as if you didnt tell them that you had a new turbo
Right, hes not answering the phone - Ill post here once Ive managed to get hold of him http://300zx.co.uk/200sx/ubb/smile.gif


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92 200SX, grey
K+N 57i (Im ready for max power now!!)
Bit of ICE, cant be arsed to take the dash off to put more in
Manual, for I have the stick in the middle of my car and in the middle of my legs
Never refuse a challenge!!
gentlemen prefer blondes ......

[docwra]

right, I got through to him now - heres the details he could remember:
He said it was something to do with Vernon Manfield Consultancy, and HAPAS - there are at least two courses he knows about, on in Cambridge for 3 saturdays (all day) in a row, and one in Huntingdon for 3 weekdays in a row. He said the weekend one was about £200, the other £147.
The blurb on the courses says it will reduce your premiums by aroundabout 25% - he was going to be paying £600, but is now paying £450
If you want more info, then I can get the stuff off him tonight, then either mail it to you, or write down the good bits. Feel free to post/mail back
http://300zx.co.uk/200sx/ubb/smile.gif

[oldstu]

Originally posted by Atomicboy:
At the mo, I haven't told any ins company about my ban - just told my last insurer I was off to Oz for a year+. Am tempted not to mention the ban, so don't want to give too much away to any company just yet...

Atomicboy, please don't try this and think you'll get away with it. Most insurance companies are now requesting a copy of your licence when handling your claim, and if it's got undeclared convictions, you'll be severely stuffed http://300zx.co.uk/200sx/ubb/frown.gif

It's also a relatively easy task to check up on a driver's convictions if they think that you've just sent them an old photocopy.


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Stu

S14a Compact - no engine bay, no boot :(

[docwra]

Even if you do manage to pull if off (oo-err), my guess would be that the ins. co. wouldnt pay out with undeclared endorsements - same as if you hadnt declared the fecking great turbo upgrade, or the fact that your 2CV was actually made by Aston Martin and isnt a 2CV at all http://300zx.co.uk/200sx/ubb/smile.gif

[Atomicboy]

Cheers guys - appreciate the comments/advice. Guess I will declare my conviction - too much to lose, but it still seems unfair.

I'm booked in to do a 'rehab' course in Jan at a cost of £175. I'm gonna do it with a friend of mine who got convicted a week or 2 ago - did anyone read about him in the national papers? He's got one arm and was done going thru a red light whilst using his mobile with his one good hand! Bonkers! And he's dead ashamed of it being national news.

Anyway thanks again guys...

[The Gill]

Though I don't know the circumstances of your DD conviction I think your quote "but it still seems unfair" is way out of line.

Don't want to fall out with anyone on this board but DD is really not on and if whacking great insurance premiums put people off doing it then I'm all for it.

[matt_j]

bah...wrong post.....


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Apologies to any cars i have accidentally flame-throwered with my exhaust, can u at least see the funny side? no? oh well hard luck then...

[This message has been edited by matt_j (edited 11-12-2001).]

[Atomicboy]

Sure, drink driving is totally wrong and irresponsible.

But the comment I was making is directed at the cinical way insurance companies bump up your premiums with no justification - your sentence and ban is your debt to society and you serve it without exception, but it is unfair of insurance companies to impose futher punishment with increased premiums.

The 'excuse'? I'm a higher risk. Bull***t. 6 years ncb and 1 sp30? I'm less of a risk than anyone else I know - especially after losing my licence (not to mention £25k/yr job). I go out drinking once a month max, but 1 bad judgement later and I'm busted.

Besides, should I be involved in a claim where I'm proved to be under the influence of alcohol, my insurance would be void.

Tell me Gill, where's the 'fairness' in all this eh?

[The Gill]

Ok so you may never ever D&D again (hope that's the case) but... how many times have you heard of persistent drink drivers getting nicked - it's in the papers all the time. Seems that many people don't learn their lesson (perhaps it's just alcoholics I don't know). Now you can't say that a person who has had a drink is a safe driver, so see this from the insurance companies point of view. They must view someone convicted for DD as a bigger future risk and hence make you pay for that.
As I said it hopefully acts as a deterent (like the points and bans) so that is a good thing for 99.9% of us who don't want to be whacked by a drunk going through a red light.
As for the insurance being void I have often wondered about this (if someone knows the details please post)- i'd agree that it was unfair on the innocent 3rd party if the insurance company weadled out of covering them but I wouldn't want the guilty person to be covered (making my future premiums bigger) for something caused entirely by their own stupidity.
Without wanting to sound like a christmas TV campaign there must be many people who have lost someone through DD. I'm sure they don't think that's fair either.

[docwra]

IMHO, it is a case of circumstances
If you are a shade over the DD limit (I got stopped once after 2 pints, failed the breathalyser, failed at the station (by one point I might add) then got away with it on the blood test) and are driving at 30 mph, being incredibly careful, then I dont think they should come down on you as hard as some bloke who cant even stand up and gets stopped for driving like a ****er
I like the American sobriety test thing - at least this way, they get to gauge how far gone you are
Having said that, it does then leave room for "bending" the rules - maybe a limit is better
Im waiting for the day when I get pulled the morning after a decent session and get banned after the event ......... http://300zx.co.uk/200sx/ubb/frown.gif

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92 200SX, grey
K+N 57i (Im ready for max power now!!)
Bit of ICE, cant be arsed to take the dash off to put more in
Manual, for I have the stick in the middle of my car and in the middle of my legs
Never refuse a challenge!!
gentlemen prefer blondes ......

[beavertron]

If u drink and drive u get all u deserve i think - its quite simple - law is black and white - DONT DRINK AND DRIVE.

You are clearly a greater risk than a non-dd`er as you are prepared to take risks - wot next? I for one will shop a person if i see them. Your insurance should rise accordingly. (unless your saying you will never ever ever touch a drop while driving again, most unlikely)

I know u gonna disagree but i have very strong views on the subject so there .

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Black s13 (That`ll be a MANUAL)
BD Combi Brake Disks
Norris Boost Guage
K+N 56i Induction
Chassis Dynamic Springs
Mongoooooose barrrp

[beavertron]

and i agree with the gill. If u dont declare a dd on your liscence when gettin insurance then it WILL be invalid (u might as well not bother getting any) same as if u lie about anything at all. Insurance companies pay a lot of money to a lot of people to check insurance claims so that they can wriggle out of hounoring as many as possible - happens all the time - even if u dont mention a speeding etc.

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Black s13 (That`ll be a MANUAL)
BD Combi Brake Disks
Norris Boost Guage
K+N 56i Induction
Chassis Dynamic Springs
Mongoooooose barrrp

[Sparky]

My mate just got done in his S13 for being twice the limit and he's gonna sell his beloved car now because of what the insurance will be when he gets off, if he goes to the rehab clinic or whatever it's called he gets his ban reduced from 18 to 12 months, he know's he fooked up but I don't think that he agrees that DD is wrong.

[Sparky]

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Burgandy S13 K Janspeed exhaust
S.E chip,boost upgrade,induction,de-cat pipe,fuel pump,lowering springs,
17inch kosai senaka alloys
adjustable evo style spoiler.

[Clong]

Put the cat amoung the pidgeons here, but here goes - IMHO there shouldn't be a "limit" to drink driving, i believe there should be zero tolerance on it. Most people don't know how much they can drink "A couple of pints won't hurt.." mentality and they are over the limit with out realising. I don't want to alienate anyone that has been done for this, in my home town drink driving is a way of life, but drinking and driving realy don't mix. That will probably upset people and cause an argument so sorry in advance moderators.

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1990 Blue S13
Mongoose 'zorst
K&N, ND Boost upgrade, Saab FMIC.
161BHP@wheels 28/1/01 Interpro. But clean credit card and a bonus on its way.....

[AshT_200]

Originally posted by Clong:
Put the cat amoung the pidgeons here, but here goes - IMHO there shouldn't be a "limit" to drink driving, i believe there should be zero tolerance on it. Most people don't know how much they can drink "A couple of pints won't hurt.." mentality and they are over the limit with out realising. I don't want to alienate anyone that has been done for this, in my home town drink driving is a way of life, but drinking and driving realy don't mix. That will probably upset people and cause an argument so sorry in advance moderators.



Zero Tolerance would be fine (in principal) but it takes time for alcohol to pass through your system. A session on Saturday, you will still have alcohol in you on Monday.

What about cold medicines, they contain alcohol (well some of them)

However, I do not condone drinking and driving. I sympathise with people who have been banned, but at the end of the day. The law is the law.

Although, I wonder how many people can honestly say they have never driven whilst knowingly over the limit.