DRINK DRIVING- NO CLAIMS BONUS-INSURANCE

GMROCKS

Long story short-got banned for 4 yrs -refusal (they say) breath sample..can i keep my few years NCB when i go looking for insurance.?also was online with liberty direct tried to fill in convictions and it says once it over 3yrs dont count?wont let me fill it in ?? i was insured with quinn direct liberty took it over should they grant me the ncb i had with quinn?? any advise welcome.

spodoinkle

GMROCKS wrote: »

Long story short-got banned for 4 yrs -refusal (they say) breath sample..can i keep my few years NCB when i go looking for insurance.?also was online with liberty direct tried to fill in convictions and it says once it over 3yrs dont count?wont let me fill it in ?? i was insured with quinn direct liberty took it over should they grant me the ncb i had with quinn?? any advise welcome.

NCD is usually only valid for 2 years of non-use, but it is at the discretion of your new insurance company whether to accept it or not.

Most insurers dont ask for details of claims or convictions over 3 years old.

GMROCKS

i thought i would get hammered with insurance ,,was paying 356 with quinn before the conviction on a 2.0 diesel..so do yo think i will be charged alot more? the online dont want to know about past 3 yrs.

godtabh

GMROCKS wrote: »

i thought i would get hammered with insurance ,,was paying 356 with quinn before the conviction on a 2.0 diesel..so do yo think i will be charged alot more? the online dont want to know about past 3 yrs.

Ring them and ask. No one here will be able to tell you how much your insurance will be

vandriver

When the T&Cs ask if you were disqualified in the past 3 years,does this mean
(a) Were you convicted and disqualified and your court date was in the last 3 years,
OR,
(b) Were you disqualified from driving(ie off the road) at any time in the last 3 years

Obviously,if its (b) the you can't get an online quote,because you don't satisfy the terms and conditions.

Also there is a catch-all "material facts disclosure" which must include a recent conviction for DD.

GMROCKS

i just rang them gave them told them all got a quote online 1096..they said the have to talk to there underwriters and get back to me,that 3year thing is not very clear as i could take out a policy online drive away and maybe not insured atall? i know later on when the call back.

GMROCKS

well they rang back and said that i would to have my licence back before they can give me a quote,,,fobbing me off i reckon..can i get my licence back early 3n half yrs done out off 4.2nd offence .anyone know what i should expect re endorsement time and/or penalty points--only held a provisional licence will i get that back or b on a permit.

godtabh

its hard to make out what your are saying.

You have a 4 year drinking driving ban whilst holding a provisional driving licence?

GMROCKS

godtabh wrote: »

its hard to make out what your are saying.

You have a 4 year drinking driving ban whilst holding a provisional driving licence?

no i sent my licence in after the court.offically due back to me feb 2014.

Kristopherus

GMROCKS wrote: »

well they rang back and said that i would to have my licence back before they can give me a quote,,,fobbing me off i reckon..can i get my licence back early 3n half yrs done out off 4.2nd offence .anyone know what i should expect re endorsement time and/or penalty points--only held a provisional licence will i get that back or b on a permit.

If its your 2nd offence, you'll be lucky to get a quote at all. Once is careless, twice is...........

coylemj

GMROCKS wrote: »

only held a provisional licence will i get that back or b on a permit.

You will need to apply for a new learner permit, there is no such thing as a provisional licence any more. You probably won't have to do the theory test as you held a provisional licence in the past five years.

But with two convictions and only a learner permit, expect plenty of rejections. I wouldn't bother getting online quotes, you need to talk to a broker.

You don't appear to appreciate the situation you're in, your original post asks if you can keep your no-claims bonus coming out of a four year disqualification for drink driving (the answer by the way is 'you have got to be joking'), that shows a staggering level of ignorance as to how the system works. You will be extremely lucky to get anyone to quote you and if they do, it will be an astronomical number.

LowKeyReturn

There are specialist insurance companies out there that will provide you with insurance. As recommended above talk to a broker. You'll probably find excesses around €3,000 though.

Have you sought help for your alcohol abuse?