Car insurance and drink driving

BeenThroughItAll

michelleafc wrote: »

I have unfortunately found this out the absolute worst way, it has happened to me. My boyfriend is a named driver on my Elephant policy. He has written my car off in a drink driving accident.


As a result my insurance will be invalidated if he's prosecuted. I am liable for all police/nhs charges and damage caused by his accident and I am guessing I will lose my 11 years no claims, my insurance will be sky high for next car and yet I didn't actually personally even have an accident.


I need a new car, as mine is now worth scrap and I will be absolutely out of pocket.


Never put anyone on your policy as a named driver, because you never know, how could I have known that this would have even been a possibility.

Bummer. Statistics show that if he's been a drink driver once, he will do it again. Next time will you be in the car?


Time for a new boyfriend.

Hintza

BeenThroughItAll wrote: »

Statistics show that if he's been a drink driver once, he will do it again.

Show me; link?

InsideInsurance

michelleafc wrote: »

I am guessing I will lose my 11 years no claims

The normal rules of your NCD will apply.

Technically if they make a full recovery from you or you had protected NCD and no other claims then you retain all 11 years. If it was unprotected and they dont manage to get all the money back from you then you normally would drop to 3 years NCD.

BeenThroughItAll

Hintza wrote: »

Show me; link?

OK. I will concede I should have said 'may well' rather than 'will'; although in 2010 the figures were 25% and that was rising.


http://www.telegraph.co.uk/news/uknews/road-and-rail-transport/6906321/Nearly-one-in-four-drink-drive-motorists-guilty-for-a-second-time.html


I can't quote today's statistics, but there is evidence both anecdotal and quantifiable that drink driving can often be habitual; and let's face it, for every driver caught DUI, there will be some who get away with it, often many times for years at a time.


Aside from that my basic point was that if you can't trust someone to be sensible when driving a car they don't own and don't hold their own insurance on, can you trust them at all? I certainly wouldn't.

dacouch

BeenThroughItAll wrote: »

OK. I will concede I should have said 'may well' rather than 'will'; although in 2010 the figures were 25% and that was rising.


http://www.telegraph.co.uk/news/uknews/road-and-rail-transport/6906321/Nearly-one-in-four-drink-drive-motorists-guilty-for-a-second-time.html


I can't quote today's statistics, but there is evidence both anecdotal and quantifiable that drink driving can often be habitual; and let's face it, for every driver caught DUI, there will be some who get away with it, often many times for years at a time.


Aside from that my basic point was that if you can't trust someone to be sensible when driving a car they don't own and don't hold their own insurance on, can you trust them at all? I certainly wouldn't.

An Insurer called Fortis (Now called Ageas) used to actively target drink drivers in certain age brackets (with a relatively low loading) who had just received their licence back from a ban as they found they had a very good accident rate due to them being extra careful after realising the hardship of not having a licence.

They applied very harsh loading for two or more drink driving convictions.

They found from their own claim records and relatively strict underwriting of this part of the market that they made good money on this sector.

I'm not sure if they still target this part of the market as I no longer deal with them.

It should be noted that one Insurers view of drink drivers does not mean that all drink drivers are a lower risk or even a higher risk but it's worth noting their experience