After disqualified for 5 years, can't get insurance

Mehok

Sorry about any typos I was disqualified from driving for 5 years for not having insurance ... Got my licence back early (learners permit Irish) trough the courts I also have a car that is 15 years old drives like new I must have called arround to almost all the insurance companies I can muster up with a Google search ... All the companies have told me they can't give me a quote I then contacted insurance Ireland but they require 3 letters of refusal but once again I am hitting a brick wall as I have contacted all these companies by phone

What can I do to get cover please help !!

IAMAMORON

Get 3 letters of refusal for starters.

Good luck.

looksee

Write letters to three of the companies you have approached so they reply by letter refusing you.

El Gato De Negocios

looksee wrote: »

Write letters to three of the companies you have approached so they reply by letter refusing you.

He doesnt need to write.

OP, contact three insurers directly, that is to say, do not go through a broker.

Each of them will decline to quote you due to the conviction so from the three of them, request a letter of declinature, they are obliged to provide you one.

You will then have to send the three letters of declinature to Insurance Ireland and they will instruct the first insurer you contacted that they must provide you a quote.

Be forewarned though, the figure quoted will be in the thousands and probably for third party only insurance.

Eggs For Dinner

The declined cases committee can refuse to assist in finding an insurance provider if it would be "against the public good". I never heard of a 5 year ban for driving without insurance in isolation. Is there more to your circumstances OP?

treascon

I never heard of a 5 year ban for driving without insurance in isolation. Is there more to your circumstances OP?[/QUOTE]

My thoughts exactly!

El Gato De Negocios

Eggs For Dinner wrote: »

The declined cases committee can refuse to assist in finding an insurance provider if it would be "against the public good". I never heard of a 5 year ban for driving without insurance in isolation. Is there more to your circumstances OP?

Would assume as he is currently on a learner permit as per his opening post he has never held a full licence so was stopped unaccompanied, uninsured, possibly untaxed and they threw the book at him. Penalties for learner drivers are much harsher than full licence holders.

pale rider

Do you now have a full license or are you still on a learner permit, it reads like you are on a permit and if you are I can see why you are struggling.

Maybe wait until you have your full license but even then you will struggle given that severe ban.

colm_mcm

El Gato De Negocios wrote: »

Would assume as he is currently on a learner permit as per his opening post he has never held a full licence so was stopped unaccompanied, uninsured, possibly untaxed and they threw the book at him. Penalties for learner drivers are much harsher than full licence holders.

We’re they that severe 5 years ago though?

Eggs For Dinner

I still wouldn't see 5 years in it. If the OP doesn't come back, there's no point trying to 2nd guess

darragh o meara

Give Britton insurance brokers in Donegal a shout. They had a specialist insurance company who deal with people with dodgy past’s ie. previous disqualified etc.

The insurance wasn’t worth much to be fair and the excess was very high but it will get you on the road, that’s of course if they still quote for this company.

con747

The OP was looking to get a PSA Licence last year https://www.boards.ie/vbulletin/showthread.php?p=109149905
Quote "evetting - how long
i have appied for a psa licence before xmass 2018 got the evetting invite on the 4th of january i was just wondering how long should the evetting take if all goes well its coming now 11 days including weekends ... btw its my first time doing the vetting online that is why i am so curious"
I think I smell fish.

Mehok

darragh o meara wrote: »

Give Britton insurance brokers in Donegal a shout. They had a specialist insurance company who deal with people with dodgy past’s ie. previous disqualified etc.

The insurance wasn’t worth much to be fair and the excess was very high but it will get you on the road, that’s of course if they still quote for this company.

Thanks for the heads up I will give them a try in the next week after the bank holiday

Mehok

con747 wrote: »

The OP was looking to get a PSA Licence last year https://www.boards.ie/vbulletin/showthread.php?p=109149905
Quote "evetting - how long
i have appied for a psa licence before xmass 2018 got the evetting invite on the 4th of january i was just wondering how long should the evetting take if all goes well its coming now 11 days including weekends ... btw its my first time doing the vetting online that is why i am so curious"
I think I smell fish.

Yes I was looking for info on how long e vetting takes place and I have been working vin the security industry since getting my licence

Mehok

Eggs For Dinner wrote: »

The declined cases committee can refuse to assist in finding an insurance provider if it would be "against the public good". I never heard of a 5 year ban for driving without insurance in isolation. Is there more to your circumstances OP?

I was unaccompanied and no tax also as I just got caught at a checkpoint the same day I got the car ... And the circumstances which I rather not disclose is also involving a death in the family

peter4918

treascon wrote: »

I never heard of a 5 year ban for driving without insurance in isolation. Is there more to your circumstances OP?

My thoughts exactly![/QUOTE]

OP were you caught more than once with no insurance? Hence finally the 5 year ban

con747

Mehok wrote: »

Yes I was looking for info on how long e vetting takes place and I have been working vin the security industry since getting my licence

Apologies, I misread your post and thought it was a PSV licence you applied for.

enricoh

A mate of mine got done twice for drink driving n got a 5 yr ban iirc.
He got his act together in the meantime n back driving roughly 4 years. Get a fresher car, some insurance companies won't insure anything over 15 year old as lads were buying them for peanuts to have a crash n whiplash.
His insurance was mental for the first year.

cute geoge

I think it is kenco insurance that is your best chance to get insurance ,might be worth a call .FBD are easy enough to make a deal with especially if you or family have some track record with them but only some staff there seen interested in dealing with tough cases so be prepared to do a bit of legwork for all the talk about lads leaving fbd for better deals at the end of the day there a good fall back

jenneyk19

what's the rest of the story you don't get disqualified for 5 years you must be a repeat offender or hit someone

i know some one that killed someone that only wad disqualified for 2 years

colm_mcm

jenneyk19 wrote: »

what's the rest of the story you don't get disqualified for 5 years you must be a repeat offender or hit someone

i know some one that killed someone that only wad disqualified for 2 years

OP has already said they’d rather not say.

Mehok wrote: »

I was unaccompanied and no tax also as I just got caught at a checkpoint the same day I got the car ... And the circumstances which I rather not disclose is also involving a death in the family