M190294
New Member
Hi all, this is my first post so be gentle with me..
Like many of you I was foolish/reckless enough etc to drink and drive and am now paying the price- bit of background- banned for 23 months following reduction for rehab course. Breath specimen a ridiculous 127.
The query I have is regarding insurance. Firstly, I am unsure whether my policy at the time of the offence was 'cancelled' by the insurer or by me (and this is important as you know for getting another policy). I informed them at the time of conviction, and asked whether this would impact on the named drivers ability to receive cover. I was advised clearly that provided I did not drive she would continue to be covered.
Once it came to renewal, I told them again about the conviction and the cover ceased. I am unclear therefore whether this would amount to having my insurance cancelled- I am currently looking for quotes and am being extra careful about what I disclose (I am inclined to err on the side of caution, however do not want to give myself more problems than is necessary).
I also have a stupid drunk and disorderly for which I received a fine years ago (not so long ago however that it is spent). This is also hiking the price up- I would have thought that offences of dishonesty and fraud would be more relevant, but insurers are not of the same opinion!
Finally, does anyone know- assuming the very worst case scenario: if I was to have an accident and it later turned out that my insurers decided not to cover me because of an issue about me having insurance cancelled, would they still pay out to any injured third parties?
Bit of a rant, but I am getting desperate to get my life back on the road- I have been abstinent for over a year!!
Thanks in advance
Like many of you I was foolish/reckless enough etc to drink and drive and am now paying the price- bit of background- banned for 23 months following reduction for rehab course. Breath specimen a ridiculous 127.
The query I have is regarding insurance. Firstly, I am unsure whether my policy at the time of the offence was 'cancelled' by the insurer or by me (and this is important as you know for getting another policy). I informed them at the time of conviction, and asked whether this would impact on the named drivers ability to receive cover. I was advised clearly that provided I did not drive she would continue to be covered.
Once it came to renewal, I told them again about the conviction and the cover ceased. I am unclear therefore whether this would amount to having my insurance cancelled- I am currently looking for quotes and am being extra careful about what I disclose (I am inclined to err on the side of caution, however do not want to give myself more problems than is necessary).
I also have a stupid drunk and disorderly for which I received a fine years ago (not so long ago however that it is spent). This is also hiking the price up- I would have thought that offences of dishonesty and fraud would be more relevant, but insurers are not of the same opinion!
Finally, does anyone know- assuming the very worst case scenario: if I was to have an accident and it later turned out that my insurers decided not to cover me because of an issue about me having insurance cancelled, would they still pay out to any injured third parties?
Bit of a rant, but I am getting desperate to get my life back on the road- I have been abstinent for over a year!!
Thanks in advance
