Advice needed. Licensing. Re test after ban insurance

LightFlare

doodleypipo said:

MattMattMattUK said:

With two disqualifications you might need to go through a specialist insurer, they will also be better at making sure you declare everything correctly. 

The disqualifications are now all spent. I have 1 left for DUI but that expires and is removed next year. I’m looking through standard insurers. No need for specialist. As I will have a clean licence (bar the DUI that I do not have to declare) 

So you can’t even resume driving for at least 10 months depending on when exactly “next year” is.

Then you have to do all the test again.

Far too early to be even looking at Insurance (imo)

According to your OP you have been banned for 10years - be prepared for some hefty premiums

MattMattMattUK

doodleypipo said:

MattMattMattUK said:

With two disqualifications you might need to go through a specialist insurer, they will also be better at making sure you declare everything correctly. 

The disqualifications are now all spent. I have 1 left for DUI but that expires and is removed next year. I’m looking through standard insurers. No need for specialist. As I will have a clean licence (bar the DUI that I do not have to declare) 

Don't most insurers ask if you have ever been disqualified, not if you are currently disqualified?

Aretnap

MattMattMattUK said:

doodleypipo said:

MattMattMattUK said:

With two disqualifications you might need to go through a specialist insurer, they will also be better at making sure you declare everything correctly. 

The disqualifications are now all spent. I have 1 left for DUI but that expires and is removed next year. I’m looking through standard insurers. No need for specialist. As I will have a clean licence (bar the DUI that I do not have to declare) 

Don't most insurers ask if you have ever been disqualified, not if you are currently disqualified?

They are much more likely to ask if you have been disqualified in the last five years, because that's all they can ask about under the Rehabilitation of Offenders Act.

If a conviction was more than five years ago then it is "spent" under the RoOA and does not have to be declared to insurers, whether they ask or not. (There are a few exceptions to this rule but they involve offences for which you get a long prison sentence.)

doodleypipo

LightFlare said:

doodleypipo said:

MattMattMattUK said:

With two disqualifications you might need to go through a specialist insurer, they will also be better at making sure you declare everything correctly. 

The disqualifications are now all spent. I have 1 left for DUI but that expires and is removed next year. I’m looking through standard insurers. No need for specialist. As I will have a clean licence (bar the DUI that I do not have to declare) 

So you can’t even resume driving for at least 10 months depending on when exactly “next year” is.

Then you have to do all the test again.

Far too early to be even looking at Insurance (imo)

According to your OP you have been banned for 10years - be prepared for some hefty premiums

The DUI was in 2015 I don’t have to declare it, I have a provisional, my ban ended on 12/12/2024 that was for a seperate offence, my test is booked for April. If I look at insurance as a full uk licence holder having my licence for less than a year it’s £1600, but as said my provisional licence still says 2008, it asks how long you’ve held a licence. 🪪 n the info tab it says that’s the date in section 10 on the rear. That says 2008. Unsure as to whether or not that will change when I actually pass my test.