Car insurance after ban

cutterschoicenotmine · 14 April 2008 at 1:46AM

Hi Everyone

Ok, firstly Im a student, I need some transport during the summer, jobs etc. I got banned last year for Drink Drive. Got a 9 months ban and fine. Thats all gone now but the lowest price I've been able to get is £1152 for third party, F & T. This is for a MK4 VW POLO. Is there anyway I can get it cheaper? I would like to hear from people who this has happened to. I have done the rehab course offered by the judge but all of the companies provided in the booklet on completion have offered high quotes E.G £2000+. This quote was from a specialist broker. I have got quotes and it isnt a lot higher for a smaller/cheaper car e.g Renault Clio (old 94-98 plate,) VW polo mk2 (fox etc.)

If I can't get it lower I am considering buying a moped, a really cheap old 'bicycle and motor kind of arrangement.' Ive costed at:

£200 for insurance (got quotes, FP, F & T)
£100-200 for bike (50CC)
£70 for CBT
£40 for helmet & gloves.

Definatley cheaper than reinsuraning the car for a year after the ban, as I can't get 6 month insurance with the conviction and my age for a decent price.

PLEASE ONLY PEOPLE WITH ADVICE/EXPERIANCE, NO ONE CRITISING ME FOR MY PREVIOUS MISGIVINGS.

Thanks Again.

mr_accountant · 14 April 2008 at 1:55AM

have you read martins technique (see link below) this will help you get the best deal having searced all the ins cos

http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

Conor_3 · 14 April 2008 at 2:35AM

You've got a DD offence on your licence. Don't expect cheap insurance for the next few years. You're lucky to have managed to get a quote that low TBH.

Inactive · 14 April 2008 at 2:49AM

cutterschoicenotmine wrote: »

Hi Everyone

PLEASE ONLY PEOPLE WITH ADVICE/EXPERIANCE, NO ONE CRITISING ME FOR MY PREVIOUS MISGIVINGS.
.

Why not, serves you right, people that are stupid enough to Drink and Drive deserve some stick.

:rolleyes:

lauren_1 · 14 April 2008 at 8:14AM

Sorry but you deserve it, im glad you cannot afford the insurance.

manda1205 · 14 April 2008 at 8:36AM

Best off sticking to the motorbike cos it wont drop for quite a few years. My OH got banned for Dangerous Driving, he got quotes for £1000+ although I suspect he is older than you, so basically he got a job which gave him a van/car insured (yes he did get employed even with a DD40) and now some 5 years later his insurance is down to £200. So I'd stick to the bike option for a few years. AND Dont do it again!

cutterschoicenotmine · 14 April 2008 at 9:39AM

Thanks for all replies so far.

Inactive wrote: »

Why not, serves you right, people that are stupid enough to Drink and Drive deserve some stick.

:rolleyes:

If you have nothing decent to say, you know the rest. I've done my time and will pay the price. You know, not everything is as clear cut as you think. Reading one point over on the breath test is what I call, and what the judge called unlucky, along with everyone else I have spoken too, including the solicitor.

anewman · 14 April 2008 at 11:01AM

cutterschoicenotmine wrote: »

You know, not everything is as clear cut as you think. Reading one point over on the breath test is what I call, and what the judge called unlucky, along with everyone else I have spoken too, including the solicitor.

You drank, then you drove - what's not clear cut about that. The test you take at the police station is *very* accurate so it's not unlucky. Simplest solution is to not drink anything at all and then drive, it's not a gamble then.

I too think you're lucky getting such a cheap insurance quote, I'd be well chuffed if I was stupid enough to drink/drive, be banned and then be able to get insurance for £1153

cutterschoicenotmine · 14 April 2008 at 11:44AM

If the +/- of a Calibrated Intoximeter ECIR unit at the station is so accurate, why do they take 2 samples then take the average? Flow and heat make a difference as with any ionic analyser, among other things.

Anyway, I'm not questioning that, I'm saying I blew one point over. had a Urine test and was still bang on the line.

One Point less and I would have got away with a caution (thats at 35-39 g/100ml.) How many pints is it? You ever driven on 2 pints before? Its easier to get done than you think.

BTW, I got pulled over for a defective offside breaklight.

I am asking for advice.

tomstickland · 14 April 2008 at 12:01PM

It's a cheap shot blasting the OP for their crime; they seem well aware of it and have come for advice.
I'd recommend searching out specialist insurers, try a google search.

tomstickland · 14 April 2008 at 12:02PM

Inactive wrote: »

Why not, serves you right, people that are stupid enough to Drink and Drive deserve some stick.

:rolleyes:

Do you have a table of how stupid people based on their crimes and how pleased you are with various problems they have?

lauren_1 wrote: »

Sorry but you deserve it, im glad you cannot afford the insurance.

Why are you glad? Are you glad that there's loads of uninsured cars on the road because an 18 year old might receive a few hundred pound fine for not having insurance versus a £2K premium?

Car insurance after ban

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