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getting insurance with an endorsement

damo · 2005-02-10 23:31:34

i have an endorsement for careless driving i also received 5 penalty points as part of the charge (was not suspended) can anyone tell me what to expect cost wise? im 21 full licence 1.6l lantra

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11-02-2005 12:31am

#1

damo

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i have an endorsement for careless driving i also received 5 penalty points as part of the charge (was not suspended) can anyone tell me what to expect cost wise? im 21 full licence 1.6l lantra

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#2 11-02-2005 12:37am
Seth Brundle

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loads!
the fact that you are young and have this will send it sky high.
Read the comments posted in the thread Insurance for convicted driver

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#3 11-02-2005 1:56am
stratos

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You have one other option, don't tell prospective insurance companies. Drive very carefully and prey your luck is in. Your only liable for part of the claim if your found out. Obviously such a thing maybe illegal and I would not advise such a course of action.

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#4 11-02-2005 11:13am
Seth Brundle

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stratos wrote:

You have one other option, don't tell prospective insurance companies. Drive very carefully and prey your luck is in. Your only liable for part of the claim if your found out. Obviously such a thing maybe illegal and I would not advise such a course of action.

If you lie to the insurance company then they have the right to annul your policy leaving you a) open to a claim from the other driver if an accident occured and b) face criminal charges and further endorsements if caught by the gardai.
It is not recommended. The one time you try it is the one time you will be caught!

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#5 11-02-2005 12:09pm
unkel

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Chauffe, Marcel, chauffe!

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stratos wrote:

You have one other option, don't tell prospective insurance companies

Don't go there. Imagine if you'd cause an accident resulting in a million euro claim. You'll be indebted until the day you die. You will never own a car, a house, or anything really. Even your dole will be mostly taken away from you

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#6 12-02-2005 1:27am
damo

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i already told my insurance company....im just really curious though cos i really need the car for work so im gonna have to cough up whatever the final bill is gonna be but absolutely no one has given me a (rough) figure not even my insurance company!!! "we'll deal with it at the next renewal"....the cat is already six feet under and now the curiosity is starting to kill me

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#7 12-02-2005 2:45am
stratos

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Just to say insurance companies are a lot more liable than they would let you believe, even if you misrepresent yourself. It would almost be impossible to be liable for much more than a few grand in a million dollar crash. The insurance companies cannot walk away as easy as you think. I know this I tested them, and what I learned surprised the hell out of me.

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#8 12-02-2005 9:42pm
Seth Brundle

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but ins. companies can sue you to recover their losses suffered due to them paying out. I haven't heard of them using it but that doesn't mean they wont!

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#9 13-02-2005 3:38am
Our man in Havana

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unkel wrote:

Don't go there. Imagine if you'd cause an accident resulting in a million euro claim. You'll be indebted until the day you die. You will never own a car, a house, or anything really. Even your dole will be mostly taken away from you

If you are bankrupt they can't touch your dole money. Bankrupcty act 1988.

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#10 13-02-2005 4:35am
heggie

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look up a crowd called ARB, they deal with convicted drivers afaik

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