Car insurance at 23 with a DD40?

smitchy73

As Inch High has done you should get yourself involved with the local IAM or even do a pass plus, you could even contact your local constabulary to see if there is any of these driving awareness courses to go on to improve your driving etc etc. Dont take that the wrong way, it's not meant to offend. If you show a willingness to improve your insurance company might treat you differently that you're dealing with previous driving convictions to the better.
Looking at Inch High's quote/payments, you've got a decent offer for the insurance and for a decent sized car etc, bringing other people on to your insurance even if not planning to drive it, like parents etc could reduce the premiums.
Just to add I always thought I was a good driver, till I went out in the car with a work colleague who is an IAM instructor, my heavens, I was sh**ing my self everytime I go out with him in the car because he can find such fault with almost everything I do, but what he has told me has helped me to become a slightly better driver.
As one of the other posters said, you may have to just bite the bullet, gotta start somewhere.
Good luck

alistairolsen

Quote wrote: »

What do you do for a living?

Im an engineer in a shipyard

cogito wrote: »

Why am I having so much trouble with this statement? I've never experienced any driver with a DD conviction which didn't involve something extremely serious. Driving at double the speed limit, for example.

I wasnt doing anything I havent done before and wouldnt do again, nor anything I'd consider in any way dangerous.

Quote wrote: »

I don't think WHY the OP got the DD40 is relevant in this situation, just that they have it.

Indeed, but it was naive of me to think it wouldnt be discussed. Ill write it out when I have the time.

alistairolsen

stevemarsh1976 wrote: »

I concur, Ive also seen DD40 given for similar offences depends on the officer and report he writes up.

On topic £1400 isnt bad at all for the vehicle and your age with that conviction, DOC will be very hard to come by purley based on your age, DOC is starting to be phased out by many insurers and restricting to 25+ was the first step.

You need a year claim free and you will start to see some reductions then again at 25...good luck

The mis-facts, fabricated pedestrians and discrepencies in their testimonies in particular made me laugh but unfortunately after them youre left with "thats not what happened" and no jury to consider what happened!

I get the idea its going to be about that, just sickening it would have been 400 last year! Ive noticed it being phased out bit by bit, just having had it I know how handy it is

Yeah, should be ok in a couple of years. just wish Id payed out the cash for a specialist solicitor but I was still at uni and no one was up for lending me £3k!

inch_high wrote: »

I had a DD40 10yrs ago when I was 18. Admittedly I was speeding, but the copper exagerrated and got a lot of his "facts" wrong (such as where the speed limit changed on the road). He said that oncoming cars were swerving to avoid me, and that I went around a blind bend on the wrong side of the road. Both of which were lies, no doubt so that he could secure his conviction.

Having since passed IAM for cars and bikes, I look back to that day and still feel that a verdict of Dangerous Driving was OTT.

Anyway, to the OP, when I got my licence back, I bought a 1.8 Accord which was 2 yrs old at the time, Group 8 insurance. I think I ended up going with Adrian Flux. I cant remember the exact premium, but I was paying £200 a month, so it was in the region of £2000-£2400 (not sure how much deposit I paid or the interest rates).

Give them a try mate. But £1400 seems ok in your situation.

That was where the £1400 quote came from. The focus is group 6 and like I say, anything much slower is unbearable on the roads around here (unable to overtake = 35mph que)

smitchy73 wrote: »

As Inch High has done you should get yourself involved with the local IAM or even do a pass plus, you could even contact your local constabulary to see if there is any of these driving awareness courses to go on to improve your driving etc etc. Dont take that the wrong way, it's not meant to offend. If you show a willingness to improve your insurance company might treat you differently that you're dealing with previous driving convictions to the better.
Looking at Inch High's quote/payments, you've got a decent offer for the insurance and for a decent sized car etc, bringing other people on to your insurance even if not planning to drive it, like parents etc could reduce the premiums.
Just to add I always thought I was a good driver, till I went out in the car with a work colleague who is an IAM instructor, my heavens, I was sh**ing my self everytime I go out with him in the car because he can find such fault with almost everything I do, but what he has told me has helped me to become a slightly better driver.
As one of the other posters said, you may have to just bite the bullet, gotta start somewhere.
Good luck

Yeah I quite fancy the IAM course. I did passpluss when I first passed, just for the experience. It was worth it at the time, but to do it again now would be a waste of time IMO. No offence taken mate, the day you go out in a car and think you have nothing left to learn is the day you shouldnt be allowed to drive anymore. That IS dangerous.

Ive added two named drivers to the policy, any more and it levels off, then goes up again.

Thanks for all the advice folks!