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Animals & Nature2 mins ago
insurance after ban
due to come off driving ban in a couple of months (totting up) and predictively insurance quotes are 3 times what they were before. Seeing as you are obliged to put on every quote that you have a conviction, (assuming I get no more or have any accidents) how long will it take to come down again. Surely it's not like being a new driver again where it will take years?
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Quite true.
The quotations you are now obtaining reflect the reality that insurers do not regard you as a good risk right now. That means that they think there is a fair chance that you might cause them to fork out against a claim.
In many ways, you are worse off right now than a new driver - a new driver just has no track record to give them a clue one way or another. You do have a track record - unfortunately one that suggests that you might be a poor risk for them.
This will only decrease over time and a clean insurance record.
The quotations you are now obtaining reflect the reality that insurers do not regard you as a good risk right now. That means that they think there is a fair chance that you might cause them to fork out against a claim.
In many ways, you are worse off right now than a new driver - a new driver just has no track record to give them a clue one way or another. You do have a track record - unfortunately one that suggests that you might be a poor risk for them.
This will only decrease over time and a clean insurance record.
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You need to be aware of advice given here concerning points and convictions. The two are entirely separate for the your purposes.
The penalty point system is designed to enable courts to disqualify drivers who commit a series (between two and four) of minor offences, any one of which would not normally attract a ban on its own. However, it is possible to be convicted of an offence and receive no penalty points. Points are not imposed for any offence which, by itself, attracts an immediate ban. Nor are they imposed for each individual offence when a driver is convicted of a number of matters which arise from the same incident. (For example, if a driver is convicted of no licence and no insurance he will receive points only for the most serious – no insurance).
In these circumstances, his licence is “endorsed” with the conviction details. These details remain on his driving record for either four or eleven years (depending on the offence). When applying for insurance the usual questions are not “do you have any points?” but more likely “have you received any convictions in the last x years?” The number of years for which details are requested varies between the companies, but it is now often five (or ten for drink and drug related offences). So even though he may have no active penalty points, the driver must disclose the convictions or risk having his insurance invalidated.
The penalty point system is designed to enable courts to disqualify drivers who commit a series (between two and four) of minor offences, any one of which would not normally attract a ban on its own. However, it is possible to be convicted of an offence and receive no penalty points. Points are not imposed for any offence which, by itself, attracts an immediate ban. Nor are they imposed for each individual offence when a driver is convicted of a number of matters which arise from the same incident. (For example, if a driver is convicted of no licence and no insurance he will receive points only for the most serious – no insurance).
In these circumstances, his licence is “endorsed” with the conviction details. These details remain on his driving record for either four or eleven years (depending on the offence). When applying for insurance the usual questions are not “do you have any points?” but more likely “have you received any convictions in the last x years?” The number of years for which details are requested varies between the companies, but it is now often five (or ten for drink and drug related offences). So even though he may have no active penalty points, the driver must disclose the convictions or risk having his insurance invalidated.
darren197373...yes they do ring the dvla to check.
My son recently had a crash and before his insurance company would discuss a settlement fee they got him and the dvla on a conference call so they could check his licence details were correct AND hadn't changed (i.e. got any convictions) since he took the policy out.
My son recently had a crash and before his insurance company would discuss a settlement fee they got him and the dvla on a conference call so they could check his licence details were correct AND hadn't changed (i.e. got any convictions) since he took the policy out.
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