Finding car insurance after drink driving offence

fivetide

proactive wrote: »

still doesn't make a lot of sense. just making the problem worse, even when you're drunk you know that refusing to give a breath specimen is just going to compound the problem

yes but you also knew that you shouldn't be driving in the first place. This is not a person pursuing rational thought!

to the OP - I'd agree with the let him insure his own car or rethink the next purchase if it really is too bad. I do agree though, for the type of car and given his record the quotes don't seem half bad.

5t.

proactive

fivetide wrote: »

yes but you also knew that you shouldn't be driving in the first place. This is not a person pursuing rational thought!

there is a difference between knowing you've had too many and risking driving thinking you won't get caught and after you've been collared making things much worse by not cooperating.

Foxy-Stoat_3

Maybe get some quotes on a 320/318d which is 4 groups lower and not that much slower, may shave a few hundred off the quote you had?

fivetide

proactive wrote: »

there is a difference between knowing you've had too many and risking driving thinking you won't get caught and after you've been collared making things much worse by not cooperating.

You are saying that because you are thinking rationally.

5t.

bigjl.

proactive wrote: »

there is a difference between knowing you've had too many and risking driving thinking you won't get caught and after you've been collared making things much worse by not cooperating.

Back on the road within 13 months, hasn't really made it much worse than a straight 12 months ban.

To the OP, don't forget this will remain on his licence for the next 10 years.

HappyMJ

bigjl. wrote: »

Back on the road within 13 months, hasn't really made it much worse than a straight 12 months ban.

To the OP, don't forget this will remain on his licence for the next 10 years.

Not meaning to be pedantic but it's 11 years for a DR30 which is caught driving and failing to supply specimen for analysis. http://www.direct.gov.uk/en/Motoring/DriverLicensing/EndorsementsAndDisqualifications/DG_10022425

He will need to declare it for the next 5 years to insurers who ask about the last 5 years only. It will be expensive £1,453 sounds fair. I'd just insure him on the one car and leave him off the BMW insurance.

Foxy-Stoat_3

Some of the "information" on here is dangerous !!!

All insurers will ask if you or other drivers have EVER been banned from driving. You are right tho, 11 years is the length of time you have to disclose it to normal car insurance companies.

bigjl.

HappyMJ wrote: »

Not meaning to be pedantic but it's 11 years for a DR30 which is caught driving and failing to supply specimen for analysis. http://www.direct.gov.uk/en/Motoring/DriverLicensing/EndorsementsAndDisqualifications/DG_10022425

From date of conviction. He was banned for 13 months. So that would make it 9 years 11 months.:p

bigjl.

Foxy-Stoat wrote: »

Some of the "information" on here is dangerous !!!

All insurers will ask if you or other drivers have EVER been banned from driving. You are right tho, 11 years is the length of time you have to disclose it to normal car insurance companies.

Think you'll find they'll ask if you've been disqualified from holding or obtaining a licence. You don't actually get 'banned' from driving.

HappyMJ

Foxy-Stoat wrote: »

Some of the "information" on here is dangerous !!!

All insurers will ask if you or other drivers have EVER been banned from driving. You are right tho, 11 years is the length of time you have to disclose it to normal car insurance companies.

Just ran through a quote and it only asks about convictions in the last 5 years. Some insurance companies will ask if EVER disqualified but some will only ask about the last 5 years. I've got 2 months to go then insurance will stop quoting silly prices of £1,900+ and then it'll be £525. Then I can get my car back on the road and start driving again, working again and stop claiming benefits. 5 years on benefits has not been good.

bigjl. wrote: »

From date of conviction. He was banned for 13 months. So that would make it 9 years 11 months.:p

oops...my bad... Sorry.