car insurance , previous conviction

[goldenbolls]

i lost my licence for 5 years for a stupid mistake i made drink driving. anyway asides from that.

do i have to declare any convictions on my new licence, my ban is up in 3 weeks and have to apply for my provisional and then re sit my test.

THANKS

[sara3]

insurance or licence?

regardless, answer all questions honestly. if no one asks, don't declare.

[boxtops]

If you mean licence (not insurance), then yes I would suggest you do - the powers that be will know about you anyway.

[ojread2]

you wont have to inform DVLA for your new licence, they will know and it will come back with the conviction on it

Yes, you will have to tell your insurance company - drink driving stays on your licence for 11 years from the date of conviction

[New Judge]

Did the court order you to retake your test as part of the sentence or are you just assuming this to be so? Ordering a retest is not usual for drink-driving, even if it results from a high level reading or a second or subsequent offence.

[redcrx]

you have to declare it to insurers and youll probably find that a lot of insurers wont touch you with a bargepole and those that will will want a huge premium.

[goldenbolls]

i dont know if i have to resit my test again, the judge at time did not tell me i had to resit my test but my licence is expired anyway so i need a new one. i will of course answer the insurance papers honestly as they will know anyway but is there anyway round this like get my name onto my brothers insurance, i mean get my car insured under my brothers name and him to name me as 2nd driver ? if insurance is too high then i,ll have to opt to get on the road with a scooter ;-)

[factor-fiction]

No, no, no.
I definitely wouldn't recommend insurance fraud

[ojread2]

Well you could get your brother to insure his car for you, but he will still be asked about the named driers convictions
And if he doesn't say you have one then more fool him
There is no way round it at all, what ever angle you come from

[ojread2]

drivers*

[joko]

what you suggest is called fronting and is illegal...and if they get suspicious and find out you will be in even more trouble

you could become a named driver on his insurance which would allow you to drive his car...but it will affect his insurance prices, so he may not want to do it...

actually you may be wise looking into the scooter option...or even a push bike

[cathfromsaron]

they will ask you what they want to know and those questions must be answered accurately.

you will probably get a better price if you go through a broker and take an advance driving test.

[divlong]

Most insurance companies ask if you have had any motoring convictions in the last 5 years. Since you are just finishing a 5 year ban it seems to me that, if you wait a couple of weeks after you get your licence back, you could answer "NO" to that question and therefore not declare the offence to the insurance company at all.

Or am I missing something here?

[tigwig]

Is that right Eddie? My OH has a DD conviction from 2000 and we havent declared it on our insurance as it never asks. It does only say within last 5 yrs so I wasnt aware. What are you supposed to do ring them and tell them as there isnt a section for declaring DD specifically.

[pink-kittens]

I've just done 2 or 3 quotes and none asked for any convictions over 5 years ago
None asked for any DD convictions either
Nor did they ask whether you have had ever had your license revoked

Strange indeed

[woozer]

Technically the onus is on the proposer to declare any fact to the insurer that may have a bearing on their decision to provide cover. Just because the insurer has not asked you is not an excuse in law for hiding a material fact.