Insurance for drivers with convictions

djbenjo

djbenjo

djbenjo

Soldato
Joined
18 Oct 2002
Posts
3,890
Location
Manchester
So, my court papers arrived with only 4 days of the 6 months period remaining - gutted - but expected! Some of you may remember my thread where I described the incident (as posted on another forum here...) http://www.visordown.com/forums/showthread.php?t=308250

As an assumption, of the 6 September 2007 I will have an IN10 conviction with 6 pentalty points to suit due to an offence of driving without insurance :o :(

Does anyone have any knowledge of any insurers who are conviction friendly, the ones listed below either won't quote or are very very high premiums.

NU - Won't quote
Elephant - Won't quote
Admiral - Won't quote
Endsleigh - Won't quote
Liverpool Vic - £3000 for Rover 22SDi


When searching for bike insurance I don't seem to have a problem and most insurers just seem to add 10-20% :confused:
 
This is where the whole business of basing insurance on 'risk' gets grossly unfair.

You are being graded now as the sort of person who drives without insurance - welcome to the world of ***** morons with bangers who crash into things and generally dont give a stuff. These people are an insurers nightmare. They dont want to cover them.

Now, becuase you have an IN10, they think you are the same as them.

Stupid catch 22 situation - the punishment for no insurance is, due to the way premiums are calculated, £2000-£3000 insurance premiums.

Yea, makes sense that. Way to encourage people to buy insurance.
 
I am doing the rounds for insurance at the minute and with a CD10, More Than (www.morethan.com) have given me the best quote of the lot at £790 compared to the next best at £1050. They won't let me pay it monthly though because they reckon my credit rating isn't good enough. Experian seem to disagree when they say it's excellent :confused:

Also try Green Light Insurance, I've heard good things about them - www.greenlightinsurance.com
 
Scuzi said:
I am doing the rounds for insurance at the minute and with a CD10, More Than (www.morethan.com) have given me the best quote of the lot at £790 compared to the next best at £1050. They won't let me pay it monthly though because they reckon my credit rating isn't good enough. Experian seem to disagree when they say it's excellent :confused:

Also try Green Light Insurance, I've heard good things about them - www.greenlightinsurance.com
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Have you checked with Equifax and CreditCall too? They also hold similar information.

Best so far now is £866 for a 214SEI, which I guess isn't all *that* bad, though it would have been around £500 without the conviction.
 
Say I was to go to court and try and argue my case. If I was to be found guilty, from what I have read, I would face a larger fine, court costs and possibly more points. Moreso I do beleive that I would be found guilty anyway as I was caught by a traffic officer commiting the said offence and I only have my word as proof that I hadn't just got back from a 500 mile round the country trip...

The worst of it is that my name, address and offence gets printed in the local paper :(:(
 
djbenjo said:
Say I was to go to court and try and argue my case. If I was to be found guilty, from what I have read, I would face a larger fine, court costs and possibly more points. Moreso I do beleive that I would be found guilty anyway as I was caught by a traffic officer commiting the said offence and I only have my word as proof that I hadn't just got back from a 500 mile round the country trip...

The worst of it is that my name, address and offence gets printed in the local paper :(:(
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I had a conviction in a court for speeding - I never saw anything in the press! My insurance didn't change at all (RAC) as to them getting 5 points for going 100mph is the same as declaring going 46mph in a 40. I won't complain....

Have you tried confused.com? I know a lot of people think it is rubbish but it isn't bad for getting a rough idea....
 
i'm with fox on this... i'm all for punishing people who don't have insurance, but surely the reason they don't a lot of the time is the expense and hitting them with even more expense simply makes the problem worse doesn't it?

i had an IN10 for a similar incident and i couldn't afford to declare it... so i didn't. it was the only way i could get insured. :(

now its passed and done so i dont have to tell them.
 
helpimcrap said:
i'm with fox on this... i'm all for punishing people who don't have insurance, but surely the reason they don't a lot of the time is the expense and hitting them with even more expense simply makes the problem worse doesn't it?

i had an IN10 for a similar incident and i couldn't afford to declare it... so i didn't. it was the only way i could get insured. :(

now its passed and done so i dont have to tell them.
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Yikes! You could have landed in some SERIOUS doo doo for that!! Did you not get asked for a copy of your licence in that time?
 
djbenjo said:
Say I was to go to court and try and argue my case. If I was to be found guilty, from what I have read, I would face a larger fine, court costs and possibly more points. Moreso I do beleive that I would be found guilty anyway as I was caught by a traffic officer commiting the said offence and I only have my word as proof that I hadn't just got back from a 500 mile round the country trip...

The worst of it is that my name, address and offence gets printed in the local paper :(:(
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not sure about the last part. Ive just been banned for 28 days for doing 107 late night on the motorway. Nowhere has my name and address appeared in the paper. I think thats only for kerb crawlers ?

as for the magistrates. You're somewhat correct. You get a 33 % reduction in fine if you plead guilty. So by pleading guilty, i managed to get fined 70 instead of 100. But even though i pleaded guilty, i still had to pay £40 costs. This was stated in my summonse that this was what they were asking for

this doesnt change. But you do make a valid point, that arguing against police officers evidence in court isnt going to get you very far. Unless your willing to pay for representation, going in there yourself is just likely to land you in hot water with the magistrates. They wont be sympathetic with you, and you could end up with more points / longer ban than if you'd pleaded guilty

my advice ? plead guilty and look sheepish. Its the only way with magistrates unless your willing to spend money on a lawyer (theres no duty solicitor for motoring offences) to try and get you off on a technicality.
 
Perhaps its just in our local paper but most minor offences like public order, breach of the peace, criminal damage, no licence or insurance (not speeding) are published in their own little section.
 
djbenjo said:
Yikes! You could have landed in some SERIOUS doo doo for that!! Did you not get asked for a copy of your licence in that time?
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told them i lost it so i had a clean copy.

by not telling the truth i've saved myself quite a bit of money and by being able to insure a vehicle i wasnt driving uninsured per se. even had an accident in the mean time when someone hit me but it was sorted ok...

didnt want to do it but couldnt afford to get caught with no insurance again and couldnt afford to insure it 100% honest... so what can you do when its a 15mile trip to work with irregular shifts and not bus service? :(
 
Try the back pages of some seriously chavvy motoring mags - loads of insurers advertising for people with convictions.

Try greenlight by all means, but i think they are more for modified motors than those with convictions.
 
To the OP;

Were you offered a fixed penalty? I thought instead of going to court for IN10 you could simply pay a fixed penalty and get the 6 points. Were you hoping to be found not-guilty in court?

There are some insurers that only ask about CONVICTIONS. A fixed penalty is quite simply not a conviction, that is the basis of our justice system. Payment of fixed penalty means you cannot be convicted of the offence, it effectively means you could still be not-guilty. On some insurers wesbites it says 'motoring convictions' and on others it says 'motoring offences / endorsements'. The wording is very important.

Sam
 
MrLOL said:
not sure about the last part. Ive just been banned for 28 days for doing 107 late night on the motorway. Nowhere has my name and address appeared in the paper. I think thats only for kerb crawlers ?

as for the magistrates. You're somewhat correct. You get a 33 % reduction in fine if you plead guilty. So by pleading guilty, i managed to get fined 70 instead of 100. But even though i pleaded guilty, i still had to pay £40 costs. This was stated in my summonse that this was what they were asking for

this doesnt change. But you do make a valid point, that arguing against police officers evidence in court isnt going to get you very far. Unless your willing to pay for representation, going in there yourself is just likely to land you in hot water with the magistrates. They wont be sympathetic with you, and you could end up with more points / longer ban than if you'd pleaded guilty

my advice ? plead guilty and look sheepish. Its the only way with magistrates unless your willing to spend money on a lawyer (theres no duty solicitor for motoring offences) to try and get you off on a technicality.
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That sure was a cheap fine! Did you lie on the means testing form or something? I actually made the magistrate laugh when I was in court. He said 'Mr Armstrong, there appears to be something wrong here. I presume you have made an error because your monthly outgoings are 4 times that of your income' to which I replied 'Yes, Your Worship. I am a Student!'
 
helpimcrap said:
i had an IN10 for a similar incident and i couldn't afford to declare it... so i didn't. it was the only way i could get insured. :(

now its passed and done so i dont have to tell them.
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I would have done the same, insurance companies are absolute ****. They will up your premium if someone hits you from behind whilst stopped at a roundabout. What a joke. :mad:
 
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