Drink driving insurance

hefferboi

I was put off the road for drink driving in Feb 15 and got my licence back in Sept 17. I was banned for 4 years for refusal to give a breath sample and got early restoration after 2 years and 7 months.

I’m now looking to get back driving but have been quoted €5,000. I’m 26 and I’ve only got a provisional licence but have my driving test next month. I was looking at a 2011 Ford Fiesta 1.4 diesel or a 2010 Polo 1.2 petrol.

I was wondering, if my housemate insured the car under his name and put me as a named driver on it would it work out cheaper and would there be any problems with it? He’s 26 with a full licence and 5+ years no claims.

Also, I read that after 5 years from the date I was put off the road that I don’t have to tell the insurance companies about my conviction, is that correct??

amcalester

What you're suggesting is called fronting, and if found out the insurance company will cancel your policy.

Good luck getting insurance with a drink driving conviction and a cancelled policy.

No idea about when you ca stop informing the insurance company about the conviction.

Stheno

Has your housemate already got a policy on his own car?

eamonnq

hefferboi wrote: »

I was wondering, if my housemate insured the car under his name and put me as a named driver on it would it work out cheaper and would there be any problems with it? He’s 26 with a full licence and 5+ years no claims.

Has your housemate agreed to do this ?

daheff

your housemate does not have an insurable interest in your car...its not his. he has not reason to be at loss if its lost/stolen/written off...etc.


Insurance co will not insure him as a main driver.

28064212

hefferboi wrote: »

Also, I read that after 5 years from the date I was put off the road that I don’t have to tell the insurance companies about my conviction, is that correct??

7 years, from the date of your conviction: http://www.citizensinformation.ie/en/justice/criminal_law/spent_convictions.html

Rave.ef

You got caught drink driving with no licence and your complaing about the cost of insurance. Have a think about that

hefferboi

amcalester wrote: »

What you're suggesting is called fronting, and if found out the insurance company will cancel your policy.

Good luck getting insurance with a drink driving conviction and a cancelled policy.

No idea about when you ca stop informing the insurance company about the conviction.

Cheers that’s all I needed to know. I was just wondering could I go about it that way but obviously not.

hefferboi

Rave.ef wrote: »

You got caught drink driving with no licence and your complaing about the cost of insurance. Have a think about that

Where in my post did I complain about the cost? I stated facts and asked 2 questions. Don’t try and be smart.

cruizer101

Your best bet is probably to find someone with a car who is willing to put you on their insurance and you pay them the difference in their insurance until you get your full licence. Think its going to be expensive either way.

hefferboi

cruizer101 wrote: »

Your best bet is probably to find someone with a car who is willing to put you on their insurance and you pay them the difference in their insurance until you get your full licence. Think its going to be expensive either way.

Yeah it’ll be expensive and I’ve no problem taking the hit for a few years but just trying to lower the cost as much as possible. Would I be better off to wait till I get a full licence and get my own insurance on my own car? Would the licence make a big difference?

Riva10

Even if your housemate agrees to your suggestion, when he names you as a named driver, the insurance company will ask if you have any convictions. Not declaring these previous convictions is not an option.

Sleeper12

hefferboi wrote:

Also, I read that after 5 years from the date I was put off the road that I don’t have to tell the insurance companies about my conviction, is that correct??

7 years from the date of the end of the conviction as far as I remember

hefferboi

Riva10 wrote: »

Even if your housemate agrees to your suggestion, when he names you as a named driver, the insurance company will ask if you have any convictions. Not declaring these previous convictions is not an option.

Can you drive as a named driver if you have a conviction?

mitresize5

do the crime do the time

don't compound your **** up with trying to be smart

miece16

hefferboi wrote: »

Where in my post did I complain about the cost? I stated facts and asked 2 questions. Don’t try and be smart.

your whole post is complaining about the cost hence the reason why you're trying to dodge paying 5k

Riva10

hefferboi wrote: »

Can you drive as a named driver if you have a conviction?

Insurance company may not accept you as a named driver and if they do, they will load the policy holders quotation.

eeguy

hefferboi wrote: »

Can you drive as a named driver if you have a conviction?

The friend will have to check his policy. AFAIK they require a named driver to not have any convictions. Also, since he doesn't even own the car, and will probably have another policy on his own car, there might be other issues there too.

Seems there are some insurers who won't quote you for 5 years after your conviction.

OP it's going to be expensive either way. You're a new driver, zero no claims and you've already been put off the road. Best of luck!

hefferboi

miece16 wrote: »

your whole post is complaining about the cost hence the reason why you're trying to dodge paying 5k

It’s not complaining. I stated all the facts of the story so I could get informed answers of the 2 questions I asked. I mentioned the price of the quote as a fact, I didn’t complain about it.

I know I messed up and I’ll pay the price for it. I only wanted to know was there a cheaper legal route I could take. But there had to be a moron come trotting in on his high horse.

Rave.ef

hefferboi wrote: »

Where in my post did I complain about the cost? I stated facts and asked 2 questions. Don’t try and be smart.

If your not complaining about the cost and trying to get a way around it then what's the whole idea of your post. Wasn't being smart just pointing out the obvious.

Rave.ef

hefferboi wrote: »

It’s not complaining. I stated all the facts of the story so I could get informed answers of the 2 questions I asked. I mentioned the price of the quote as a fact, I didn’t complain about it.

I know I messed up and I’ll pay the price for it. I only wanted to know was there a cheaper legal route I could take. But there had to be a moron come trotting in on his high horse.

I actually can't ride a horse

jeepcj

I'd say you'd be better off having him get open driving on the car, but that won't build up any no claims bonus

beertons

Maybe try that boxymo crowd. They fit a black box recorder thing to your car, so they have a feed of what times you are driving and and the speeds you were doing. Use it till your 7 years are up.

Sleeper12

jeepcj wrote:

I'd say you'd be better off having him get open driving on the car, but that won't build up any no claims bonus

You need to be very careful here. Open drive usually excludes learners & anyone with a driving conviction. Clean full licence is usually required

hefferboi

Rave.ef wrote: »

If your not complaining about the cost and trying to get a way around it then what's the whole idea of your post. Wasn't being smart just pointing out the obvious.

I’m not complaining about it. I knew it would be high since the day I was put off. If there’s a legal way of getting cheaper insurance then I’d obviously prefer to go for it. I was just trying to get all my options.

AnneFrank

hefferboi wrote: »

It’s not complaining. I stated all the facts of the story so I could get informed answers of the 2 questions I asked. I mentioned the price of the quote as a fact, I didn’t complain about it.

I know I messed up and I’ll pay the price for it. I only wanted to know was there a cheaper legal route I could take. But there had to be a moron come trotting in on his high horse.

Thousands make the same mistake every year heffer, no point beating yourself up you served your time.Did it cost much to get the licence back?

Shemale

€5,000 isnt too bad all things considered, drink driving, long disqualification, age, licence lack of driving experience at least you got a quotation.

Dunno if your quote is from Arb if not you could see if they can quote you, they used to do non standard motor ie convictions and the like. Another crowd called xs direct do cover with a large excess, not sure what their acceptance criteria is.

Also you could look at getting a quote for Third Party Only, if you can get it, will cover your statutory insurance obligation and wont cover the car, might save you a few bob, third party fire and theft is the second least expensive cover and gives you some cover on the car

hefferboi

AnneFrank wrote: »

Thousands make the same mistake every year heffer, no point beating yourself up you served your time.Did it cost much to get the licence back?

It cost 700 between the solicitor and the application form for early restoration.

hefferboi

Shemale wrote: »

€5,000 isnt too bad all things considered, drink driving, long disqualification, age, licence lack of driving experience at least you got a quotation.

Dunno if your quote is from Arb if not you could see if they can quote you, they used to do non standard motor ie convictions and the like. Another crowd called xs direct do cover with a large excess, not sure what their acceptance criteria is.

Also you could look at getting a quote for Third Party Only, if you can get it, will cover your statutory insurance obligation and wont cover the car, might save you a few bob, third party fire and theft is the second least expensive cover and gives you some cover on the car

Cheers, haven’t tried those but I’ll ring them in the morning and see. The €5000 was from Axa for third party only. It was €6000 for fully comp. I think I’m better off just waiting until I pass my driving test, please god, and seeing what quote I can get with a full licence.

Quote Devil said they’d do better than Axa if i get my full licence.

Dev84

The high horse boardies will love this one
"Gets popcorn"

CeilingFly

Go to a broker.

There are specialist insurers out there. The excess is quite high - usually about €2,000-€3,000

They will not entertain you until you have a full licence.