Insurance for HROs

[C J 1980]

Good evening forum members

Can anyone suggest which car insurance companies are the best ones if you are a HRO (High Risk Offender)?

I've been online earlier today just to have a play around on different insurance sites and what I have identified is that insurance quotes now ask for your breath/blood reading as well as the conviction code, court date and length of ban.

As mine was 115 & 113 it does seem to set off alarm bells with the respective insurance companies.

Has anyone on here who is a HRO got any useful advice that might be beneficial to me?

Regards

CJ

 

[grice96]

Good evening forum members

Can anyone suggest which car insurance companies are the best ones if you are a HRO (High Risk Offender)?

I've been online earlier today just to have a play around on different insurance sites and what I have identified is that insurance quotes now ask for your breath/blood reading as well as the conviction code, court date and length of ban.

As mine was 115 & 113 it does seem to set off alarm bells with the respective insurance companies.

Has anyone on here who is a HRO got any useful advice that might be beneficial to me?

Regards

CJ

Evening CJ. Every company recommended at the drink driving rehabilitation course (think they were printed in the provided booklet) and most of the big guys online who claim to specialise in convicted insurance came back over £1000 more than the quotes I was getting on confused. A-Plan, the company that advertise on this site were £700 more than my current insurer.

Don't be put off admiral or elephant because of their drink and drugs policy, if you've learned from this then you'll never be in a car again over the limit so the policy will not apply to you. That's only if their quote is considerably lower than the other quotes.

 

[C J 1980]

Evening CJ. Every company recommended at the drink driving rehabilitation course (think they were printed in the provided booklet) and most of the big guys online who claim to specialise in convicted insurance came back over £1000 more than the quotes I was getting on confused. A-Plan, the company that advertise on this site were £700 more than my current insurer.

Don't be put off admiral or elephant because of their drink and drugs policy, if you've learned from this then you'll never be in a car again over the limit so the policy will not apply to you. That's only if their quote is considerably lower than the other quotes.

Evening Grice

I have done a blanket search on the Go Compare site, however the problem is that as soon as you go into each individual insurance site it asks for the breath/blood reading and it's either coming back at a ridiculous amount in four figures or they simply say they cannot insure you.

I did an Elephant Insurance quote this afternoon and again they wouldn't even give me a quote online. When you disclose a high reading like mine was, its like you suddenly become uninsurable because you weren't just a bit drunk, you were paraletic behind the wheel when you committed the offence so perhaps they look at you as high high risk!!!

CJ

 

[grice96]

How rediculous? Some of mine were coming back at 13k, I ignored them. Confused asks for your reading before getting quotes so there's less nasty surprises when you go to the insurers website. I blew 93 and seemed to get the same quotes as putting in 50. I must sound like an ad for confused! But they beat every other price comparison site that I tried.

My insurance now with a conviction, ban and crash with a 4k claim is still half of what I was paying at 17. I fail to see how a convicted drink driver who has crashed is less of a risk than a new driver, but that's the insurance industry.

 

[C J 1980]

How rediculous? Some of mine were coming back at 13k, I ignored them. Confused asks for your reading before getting quotes so there's less nasty surprises when you go to the insurers website. I blew 93 and seemed to get the same quotes as putting in 50. I must sound like an ad for confused! But they beat every other price comparison site that I tried.

My insurance now with a conviction, ban and crash with a 4k claim is still half of what I was paying at 17. I fail to see how a convicted drink driver who has crashed is less of a risk than a new driver, but that's the insurance industry.

Cheers

I'll have another nosey on the web again tomorrow. I'm 40 with 10+ years no claims and a 22 year licence so there must be an opening for insurance somewhere. A couple of forum members on here previously have said they have been quoted cheaper insurance with a DD conviction than what they paid previously. I find that very hard to believe!!!

CJ

 

[price1367]

I think what happens is that a drink drive conviction DOES increase the premiums.... of course they do or everyone would ‘admit’ they have one to get a reduction!
BUT in the meantime you may have crossed the threshold of age where you are considered a lesser risk (21 or 25 spring to mind) and while you have been banned, in the insurance world you have held a licence for another year or whatever length your ban is for - remember they ask how long have you held a licence for, not taking out bans, how long have you held a licence for.....
Couple that with perhaps getting a smaller engine car, now keeping it on a drive rather than on the road as before and now living in a less risky postcode area than before and yes, it is possible that your quote will be lower than before your DD conviction!
The best way to find what the impact of a DD conviction is to put all your details in to Comparethemarket (but adjust the dates of the conviction and show that you want insurance in 4 weeks) and then go back and take out the DR10 or whatever. So the circumstances are all identical and the difference will be the loading for the DR10.

 

[C J 1980]

Thanks for the replies.

I've not actually got my licence back yet - even though my ban was up on the 13th December. Insurance searching is just preparation for when I get that phone call or e-mail from the DVLA, hopefully very soon.

CJ

 

[A Plan Insurance]

Hi @C J 1980 Thanks for creating the thread!

All of the above points are extremely well made and we would agree that when it comes to HRO's it is always best to do a bit of research like you are doing. This results in you being comfortable that you are getting the correct policy, for the right price.

We are a broker, so use up to 30 different insurers who we speak with directly, meaning we always try to make sure that you are getting the best price available for the correct cover you need. As stated above, sometimes we can be off the mark with certain risks, but that is the competitive nature that the insurance market is and always has been unfortunately.

We are also an advised broker, so will always be able to talk through your requirements and advise you on the best policy for you and your needs, whereas a price comparison site is literally what is says on the tin, a price comparison site, without the policy advice that some HRO's may need.

If you are still looking around, please feel free to give the Basingstoke office a call on the below number or request a call back through the link and we will happily see if we can help you out!

 

[price1367]

I would endorse what A Plan say, the comparison websites can be good for finding out what the loading is for having a DR10 or similar on your licence, you often find that when you click on the ‘quote’ and go to the insurance site the costs then go up when you put the details of the conviction in with the reading etc.
An insurance broker that knows what they are doing can find the best quote for your particular circumstances.

 

[Carra]

Hi
For what it is worth - i was an HRO - aged 58. Never claimed on car insurance previously in 37 years of driving; never had an accident before. All of which obviously helped.
I went to A Plan. My quote was cheaper than my previous longstanding cover with a major 'high-street' brand.
There is hope.
Good luck.
Nick