Insuarance

[Dannybouy]

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.

[Ethel]

They will know, there is no hiding it.

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.

[NORMANTHEDOG]

you make me sick,your a scumbag and lets hope you get nicked again and banned for life,and lets hope any car you drive gets impounded and crushed.

[gouldc]

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.

[spaced]

to ask such a stupid question deserves no answer.

Your an idiot. get a life.

[randyraven]

I work hard for what I have. Then a idiot like you drives into me and with no insurance. Bet you have no assets either.

In fact with an attitude like yours , you fit into the NuLabour modern Britain well.

1 in 10 on the road have no insurance. So dont feel you are a minority.

[Toureman]

I would give the same answer as Norman !

[david1702198]

norm you should be a copper the country would be in a better state with you incharge!!! i agree by the way!!maybe someone should hit him over the head with a frying pan

[RevFunk]

You really are an ar5e

[Lord Unstone]

for even thinking of a dodge like this, you do not deserve to even get your licence back. Pity the poor passengers you might have too, for letting them be driven by such a fool.

[helpmetoo]

please have an accident but make sure you are alone and hit a tree

[Golf38]

Lying on an insurance application used to be called 'obtaining a pecuniary advantage', its now just called fraud and could land you in prison.

I'd just take the silly premium on the chin for a few years rather rthan risk being locked up for fraud.