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Insurance for convicted driver

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  • 14-05-2017 11:53pm
    #1
    student89
    Registered Users Posts: 66 ✭✭


    Asking for someone else:
    Does anyone know where is best insurance company to get insured with a conviction. It was for dangerous driving I think.

    He is 25 but any quotes he is getting is at least 3000/4000 +. The conviction happened about 5/6 years ago and he got penalty points but they have since came off.

    Anyone here have convictions and if so who are you insured with.

    Thanks


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    #2
    Aint Eazy Being Cheezy
    Registered Users Posts: 4,631 ✭✭✭Aint Eazy Being Cheezy


    student89 wrote: »
    Asking for someone else:

    :D


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    #3
    ED E
    Registered Users Posts: 36,167 ✭✭✭✭ED E


    Tell him to start saving. Empirical evidence that he's a risk = high premium.


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    #4
    mikeybrennan
    Closed Accounts Posts: 869 ✭✭✭mikeybrennan


    Best bet is prob a broker


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    #5
    Kristopherus
    Registered Users Posts: 11,907 ✭✭✭✭Kristopherus


    student89 wrote: »
    Asking for someone else:
    Does anyone know where is best insurance company to get insured with a conviction. It was for dangerous driving I think.

    He is 25 but any quotes he is getting is at least 3000/4000 +. The conviction happened about 5/6 years ago and he got penalty points but they have since came off.

    Anyone here have convictions and if so who are you insured with.

    Thanks

    Tell him buy a bicycle. Not a hope of him getting anything remotely like an affordable premium offer.. If he was convicted 5/6 yrs ago, he was likely a boy racer acting the mick if he got done for dangerous driving.


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    #6
    Ubbquittious
    Registered Users Posts: 6,224 ✭✭✭Ubbquittious


    How long do these convictions stick? Will he still have trouble getting insurance in 20 years time because of this?


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    #7
    coll7
    Registered Users Posts: 3 ✭coll7


    Ubbquittious wrote: »
    How long do these convictions stick? Will he still have trouble getting insurance in 20 years time because of this?

    Fortunately a law was passed in 2016 that will make that conviction spent after 7years and you are supposed to still disclose it but the law hides it away for you. I am currently looking for insurance. 30years old male with no insurancel conviction and 5points. Difficult times


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    #8
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    coll7 wrote: »
    Fortunately a law was passed in 2016 that will make that conviction spent after 7years and you are supposed to still disclose it but the law hides it away for you. I am currently looking for insurance. 30years old male with no insurancel conviction and 5points. Difficult times

    The spent convictions rule only applies to certain types of convictions.

    IIRC an insurer can still decline to quote if the conviction was for things like fraud or sexual assault, regardless of how long ago the offences were.

    The citizens information service has full details available.


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