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Thread: Insurance is 700 cheaper with a DR10 conviction??

  1. #1
    Joey is offline Member
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    Default Insurance is 700 cheaper with a DR10 conviction??

    I just done a few quotes since I have only got a month left of my 20 month ban.

    I bought an MG ZR 1.4 3 door last year (brother has been driving it till my ban is up, Honest!).

    I done a quote on an insurance comparison site with and without my DR10, and without it, my insurance would be 1700, but adding the DR10, the cheapest quote is just over 1000. I rechecked everything but the same quotes come up. The cheapest in both instances is the same company, but the next 3 companies also show a big reduction.

    This is amazing since my insurance before my ban was the same.

    Why is it that having a DD conviction is making my insurance drop so much? Less chance of re offending?
    Last edited by Forum Moderator; 10-27-2013 at 03:05 PM.

  2. #2
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    Default Re: Insurance is 700 cheaper with a DR10 conviction??

    Quote Originally Posted by Joey View Post
    I just done a few quotes since I have only got a month left of my 20 month ban.

    I bought an MG ZR 1.4 3 door last year (brother has been driving it till my ban is up, Honest!).

    I done a quote on an insurance comparison site with and without my DR10, and without it, my insurance would be 1700, but adding the DR10, the cheapest quote is just over 1000. I rechecked everything but the same quotes come up. The cheapest in both instances is the same company, but the next 3 companies also show a big reduction.

    This is amazing since my insurance before my ban was the same.

    Why is it that having a DD conviction is making my insurance drop so much? Less chance of re offending?
    Hi, well when I applied for car insurance after a 12 month ban my quote was much the same as before I was banned.
    I was surprised so I asked my insurance broker why.
    Thay said that they have many customers who have lost their licence due to failing a breath test but none of them have
    cost them money as none of them were involved in an accident. They also said that drivers of stolen cars cost them a huge
    amount of money as they cause serious crashes, injuries and deaths on an enormous scale.
    Unlike the Government and the Police, insurance companies have to make a profit to survive based on genuine accident
    statistics, therefore I think I know who is telling the truth.
    There are other members of this forum that seem to be convinced you will have an accident if you drive a car after drinking
    one or two pints of beer. The insurance company accurate accident statistics prove them wrong.
    Sadly these members ignore true accident figures for drink driving and have their own opinions.

  3. #3
    ukboxer is offline Established Member
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    Default Re: Insurance is 700 cheaper with a DR10 conviction??

    Quote Originally Posted by Joey View Post
    Why is it that having a DD conviction is making my insurance drop so much?
    Something is wrong as there is no way your insurance would be cheaper with a DR10 conviction compared to the same quote without.

    Quote Originally Posted by Joey View Post
    Less chance of re offending?
    The opposite infact. Insurance companies would view a drink driving conviction as a higher risk of that offender re-offending, that is why insurance premiums typically rise above 100% with a drink driving conviction.

    More information can be found here http://www.drinkdriving.org/drink_dr..._insurance.php

  4. #4
    ukboxer is offline Established Member
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    Default Re: Insurance is 700 cheaper with a DR10 conviction??

    Ive just done a fictitious quote with an Insurance comparison website and got the following quotes:

    With a DR10 conviction including 12 months disqualification

    Cheapest (company A) 798.94

    Most expensive (company B) 3968.49

    Without a DR10 conviction from the same insurance companies

    Company A 459.96

    Company B 1258.98

    Something is definitely not right with the quotes you have received.

  5. #5
    Joey is offline Member
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    Default Re: Insurance is 700 cheaper with a DR10 conviction??

    Quote Originally Posted by chiefmegawatty View Post
    Hi, well when I applied for car insurance after a 12 month ban my quote was much the same as before I was banned.
    I was surprised so I asked my insurance broker why.
    Thay said that they have many customers who have lost their licence due to failing a breath test but none of them have
    cost them money as none of them were involved in an accident. They also said that drivers of stolen cars cost them a huge
    amount of money as they cause serious crashes, injuries and deaths on an enormous scale.
    Unlike the Government and the Police, insurance companies have to make a profit to survive based on genuine accident
    statistics, therefore I think I know who is telling the truth.
    There are other members of this forum that seem to be convinced you will have an accident if you drive a car after drinking
    one or two pints of beer. The insurance company accurate accident statistics prove them wrong.
    Sadly these members ignore true accident figures for drink driving and have their own opinions.
    I had only drove the once (as everyone says who gets caught ), but I had never been as careful as I were driving that night. 3am, doing the speed limit, double checking every junction etc. I can understand that a couple of drinks over the limit can actually make you better at driving.

    Insurance companies probably also know that after losing their licence, people will be more careful and less likely to cause an accident.

    My insurance quote is actually cheaper than that of my girlfriend (same age).

  6. #6
    ukboxer is offline Established Member
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    Default Re: Insurance is 700 cheaper with a DR10 conviction??

    Quote Originally Posted by Joey View Post
    I can understand that a couple of drinks over the limit can actually make you better at driving.
    Your understanding is wrong, very wrong! You may have the assumption that you are a better driver after a couple of drinks but this is a proven illusion of confidence. Your reaction times seriously reduce with any alcohol.

    Take a look at this http://alcoholism.about.com/od/dui/a/impaired.htm specifically at the effects of a gradual increase in alcohol level.

    Quote Originally Posted by Joey View Post
    Insurance companies probably also know that after losing their licence, people will be more careful and less likely to cause an accident.
    Nope, the exact opposite. As far as insurance companies go, if someone has a conviction for drink driving then the risk of them doing it again is increased. Thats why drink driving convictions usually double any insurance.

    No one will get cheaper car insurance within 5 years of a drink driving conviction (compared to without the conviction)

  7. #7
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    Default Re: Insurance is 700 cheaper with a DR10 conviction??

    Quote Originally Posted by ukboxer View Post
    Your understanding is wrong, very wrong! You may have the assumption that you are a better driver after a couple of drinks but this is a proven illusion of confidence. Your reaction times seriously reduce with any alcohol.

    Take a look at this http://alcoholism.about.com/od/dui/a/impaired.htm specifically at the effects of a gradual increase in alcohol level.



    Nope, the exact opposite. As far as insurance companies go, if someone has a conviction for drink driving then the risk of them doing it again is increased. Thats why drink driving convictions usually double any insurance.

    No one will get cheaper car insurance within 5 years of a drink driving conviction (compared to without the conviction)
    Boxer I have the paperwork here to prove you wrong regarding insurance premiums increasing with a DR10.
    My friend also has paperwork from his insurance company to prove you wrong.
    meercat666 likes this.

  8. #8
    price1367 is offline TTC Group Associate Director
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    Default Re: Insurance is 700 cheaper with a DR10 conviction??

    I deal with 30 to 40 convicted drink drivers a month. I have done this for over 10 years. The company I work for puts over 7,000 through drink drive courses a year. We regularly get people on day 2 of the course to check out their insurance costs and report back on day 3.
    Almost without exception they report a considerable increase in their premiums. The exceptions being those who downsize their cars. The typical increases are in the order of 40 to 60%, which is in line with what UK boxer reported with his test quotes. They have reported that: many insurance companies will not offer cover if their reading was over 100 in breath, also specifically that NFU mutual will not cover you for 5 years if you have a drink drive conviction with any reading.
    This seems odd if the claim Is that you are a better driver if you have been convicted of drink driving, surely they should grab your money because there is less risk, but they can justify bumping up the premium because of your conviction.
    it would be interesting to see the claimed reductions in premiums published on here, with the personal details omitted, to see if they were genuinely 'like for like' . Sometimes premiums do not increase by the 40 to 60% because previous points were being taken into account, but have then become 'spent' during the disqualification period.
    If the actual quotes cannot be uploaded, could we at least be told the name of the insurance company, the type of car and the gender / age of the driver so that a comparison quote could be checked. After all, I would expect that the good news that some insurance companies charge less for convicted drink drivers should be shared with all the people reading this forum in a spirit of helpfulness.

  9. #9
    price1367 is offline TTC Group Associate Director
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    Default Re: Insurance is 700 cheaper with a DR10 conviction??

    While we wait for the good news coming about insurance costing less after a drink drive conviction with ??????? Company, here is a lift from the confused.com website,


    The cost of a motoring conviction
    The figures in the table below are based on a test quote we ran for a 30-year-old female marketing manager living in Cardiff and driving a 2003 Mini Cooper.


    With an annual mileage of 6,000, five years' no-claims discount, and the car parked on a driveway when not in use, she would pay 682 a year for cover.


    Top 10 motoring convictions
    % increase in car insurance premium after conviction
    How much car insurance increased by after conviction


    1. SP30 - Exceeding statutory speed limit on a public road


    34%


    231


    2. CU80 - Use of a hand-held device whilst driving


    49%


    337


    3. TS10 - Failing to comply with traffic light signals


    24%


    162


    4. SP50 - Exceeding speed limit on a motorway


    34%


    231


    5. IN10 - Using a vehicle uninsured against third party risks


    131%


    896


    6. DR10 - Driving or attempting to drive with alcohol level above limit


    115%


    782


    7. CD10 - Driving without due care and attention


    51%


    346


    8. LC20 - Driving otherwise than in accordance with a licence


    49%


    331


    9. CU30 - Using a vehicle with defective tyre


    69%


    471


    10. SP40 - Exceeding passenger vehicle speed limit


    34%


    231




    This table is based on customers who obtained a car insurance quote from Confused.com between October and December 2012, with motoring convictions in the last five years prior to the date of the quote.

    you can read the full article here:


    http://www.confused.com/car-insuranc...ir-hidden-cost

  10. #10
    ukboxer is offline Established Member
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    Default Re: Insurance is 700 cheaper with a DR10 conviction??

    Convicted Driver Insurance Quotes
    Quote Originally Posted by chiefmegawatty View Post
    Boxer I have the paperwork here to prove you wrong regarding insurance premiums increasing with a DR10.
    My friend also has paperwork from his insurance company to prove you wrong.
    Would you care to share the names of these insurance companies you and your friend(s) use that offer no increase to premuims (within the first 5 years) after a DR10 drink driving conviction?

    As this is a drink driving website such information would be priceless to many visitors. They could also be linked to the 'convicted driver insurance' section.

    I would also be interested to do some comparison quotes with them.

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