News1 min ago
Insuarance
11 Answers
Just served 16 months of my drink driving ban DR. Want to get car insuarance. If I disclose that I was banned the premium is sky high. What are the risks if I dont tell them of my driving conviction. I know I have to be careful not to cause an accident.
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And if you do somehow manage to get insurance without declaring it, you might as well drive without insurance as failure to disclose convictions makes your policy void.
You've already had one serious offence and you are ready to break the law before you even get your licence back.
If you can't afford the insurance - take the bus.
And if you do somehow manage to get insurance without declaring it, you might as well drive without insurance as failure to disclose convictions makes your policy void.
You've already had one serious offence and you are ready to break the law before you even get your licence back.
If you can't afford the insurance - take the bus.
As per Ethel, we'll find out.
If you fail to disclose, it will mean the insurance gets voided from inception - ie like you've never had insurance.
You will have to pay all costs associated with the claim - including personal injury which would potentially be thousands.
Furthermore, if the police then find out that your insurance has been cancelled due to non-disclosure, you could be landed with an IN10 (driving with no insurance).
Most insurers will accept people with a drink/drive conviction, but we don't accept people with no insurance convictions - drink driving, whilst not acceptable, could well be as a result of an oversight (ie not eating all day and just being over the limit on two pints), but driving without insurance is a deliberate act.
So disclose it and pay the increased premium for a few years.
If you fail to disclose, it will mean the insurance gets voided from inception - ie like you've never had insurance.
You will have to pay all costs associated with the claim - including personal injury which would potentially be thousands.
Furthermore, if the police then find out that your insurance has been cancelled due to non-disclosure, you could be landed with an IN10 (driving with no insurance).
Most insurers will accept people with a drink/drive conviction, but we don't accept people with no insurance convictions - drink driving, whilst not acceptable, could well be as a result of an oversight (ie not eating all day and just being over the limit on two pints), but driving without insurance is a deliberate act.
So disclose it and pay the increased premium for a few years.