Finding car insurance after drink driving offence

lucy7_2

Foxy-Stoat wrote: »

I think your problem is here ^^ a group 16 car

I think your prices seem competitive for the car type.

Car insurance companies are as bad as each other but the 2 companies you have stated are brokers not Insurance companies. Do you know who the insurance company is they quoted you?

It didn't say who the insurance company was, I think I need to ring them to find out. I'm looking at getting the 330i SE touring which is actually group 34!! So I'm not expecting it to be cheap at all. It just doesn't seem fair that I can't have the car that I want because of his total stupidity. Maybe I'll have to compromise in the end but I'll not be happy about it!

Thanks to everyone for the suggestions, still don't seem to be getting any further with it though. The problem is that I need to renew before he gets his licence back so I'm finding it really difficult to get people to give me quotes at the moment. I'm wondering whether to just renew my insurance with Direct Line till Jan/Feb and then look for another insurer as he will have his licence back then so it will be easier to get quotes. Does anyone know how this will affect my no claims? I know that the 1 or 2 months I'm with direct line wont be counted but will I still keep my 4 years to carry over to the new insurer?

Thanks

alexlyne

lucy7 wrote: »

It just doesn't seem fair that I can't have the car that I want because of his total stupidity.

erm, yes it does.... he's your boyfriend, it's his fault, take it up with him!
(or scream and scream until it makes you sick)

if there was no deterrent to drunk driving, then we'd all be doing it!
and it's more fair than having to claim on insurance when some [insert politically incorrect term for a waste-of-space] drunkenly smashes up your car on their way home and you don't know who it is. And you still find your premiums have shot up again in subsequent years!

Foxy-Stoat_3

Arrr, you want a 330i petrol now....they are a little more to insure, group 17E according to Autotrader.

If you renew with Direct Line and cancel after a few months, you will get charged admin fee and cancellation charges, you better ask them what their charges are or check your current policy documents/terms of business. You will get your new claims bonus off Direct Line to pass to your new insurers once you have cancelled the policy and paid whatever fee/charge they ask you to pay, obviously you wont gain any extra NCD for the 2 months on risk but you wont lose your current entitlement.

You could insure just you with one of the other companies for now and add him later on, that would save cancelling the DL policy mid term, as long as you advise them at the start that you will require cover for the BF in the future and try and get an indication in writing of the extra cost.

As for being fair, you either buy the car you want and pay the insurance premiums to include him or he doesnt drive it and gets his own car and insures it himself, which probably wont be practical or save you(both) any money.

Either that or buy a 320/318i se which are cheaper to buy and a little slower but just as nice to drive and you will save on road tax/fuel.

Weird_Nev

I think that your boyfriend needs to accept that his mistake has cost him more than just his licence for 13 months - he will NOT be insurable on any car worthy of the name for some time to come. 3 Litre BMW's? Forget about it for several years.

I think that he will be best of not driving for the next year or so, then possibly driving something VERY cheap to insure for a while to re-build no-claims. It may be 3-5 years before he is back driving powerful vehicles again.

Foxy-Stoat_3

Weird_Nev wrote: »

I think that he will be best of not driving for the next year or so, then possibly driving something VERY cheap to insure for a while to re-build no-claims. It may be 3-5 years before he is back driving powerful vehicles again.

Not very practical really seeing as they are in a relationship and baby on the way!

"Sorry I cant drive you to the hospital to delivery our baby because we couldnt afford the insurance for me on a 3.0 litre BMW and the people on MSE forums think I shouldnt be ALLOWED to drive for a while to teach me a lesson!"

:rotfl:

They will either buy the car they want and pay the insurance or compromise on what they can actually afford.

fivetide

Or they'll book a taxi for the big event.

Or OP could have the car they want and leave him to a runabout as suggested so he has his own insurance and hairdryer car.

Nice little Kia should do it.

5t.

Indout96

then possibly driving something VERY cheap to insure for a while to re-build no-claims

As he was not involved in an accident he should still have his no claims bonus from his last car so no need to "build it up" again.

Johnny_Barnes10

Better the OP's bf gets his own car and insures it, with OP as named driver to bring the cost down.

[Deleted User]

lucy7 wrote: »

I So I'm not expecting it to be cheap at all. It just doesn't seem fair that I can't have the car that I want because of his total stupidity. Maybe I'll have to compromise in the end but I'll not be happy about it!

Wont be as harsh as the other posters but at the end of the day the insurers think about risk. Your BF is planning to drive your car, hes been done for drink driving once which, as far as insurance companies think, means he might do it again and smash the car up or worse which is going to cost them money. Not saying he will ever do it again but hes got more chance of doing it that someone whos never done it.

[Deleted User]

fivetide wrote: »

Or they'll book a taxi for the big event.

Or OP could have the car they want and leave him to a runabout as suggested so he has his own insurance and hairdryer car.

Nice little Kia should do it.

5t.

Hey I've got a 2.9 litre KIa !!!