My insurance quote research suggests my new insurance will rise by 40 odd percent which I feel isn't that unfair in the circumstances. There cannot be any viable or feasible reasoning that insurance will not go up by a significant percentage given the severity of a drink driving conviction in relation to driving.
Insurance is £700 cheaper with a DR10 conviction??
- Thread starter Joey
- Start date
I am a 22 year old male just finished a 2 year ban with a reading of 94mg. Before my ban I was paying £2000 a year for a 1.4litre corsa. Now with the dr10 my quotes are coming out at £1100 for a similar car.
Bensaminge,
The drink drive conviction will have increased your premium. You have to look at what else has changed though..... before you were caught drink driving, you had insurance on a 1.4 Corsa as a 19-20 year old, with limited driving experience.
Now you are having insurance as a 22 year old with, perhaps, 4 years driving experience. (it still counts as experience, strangely, even though you were banned) With a 2 year ban, they will probably recognise your previous insurance for no claims purposes,
If you have used a comparison website, try putting in the details that you had before your ban, (age, experience, car type etc) then add a DR 10 with a 2 year ban and see what happens then to your quote. Or put it the other way.... take out the DR10 from your current quote and see what it falls to. That will give you a measure of what the conviction is costing you.
The drink drive conviction will have increased your premium. You have to look at what else has changed though..... before you were caught drink driving, you had insurance on a 1.4 Corsa as a 19-20 year old, with limited driving experience.
Now you are having insurance as a 22 year old with, perhaps, 4 years driving experience. (it still counts as experience, strangely, even though you were banned) With a 2 year ban, they will probably recognise your previous insurance for no claims purposes,
If you have used a comparison website, try putting in the details that you had before your ban, (age, experience, car type etc) then add a DR 10 with a 2 year ban and see what happens then to your quote. Or put it the other way.... take out the DR10 from your current quote and see what it falls to. That will give you a measure of what the conviction is costing you.
camc
0
Hi folks, i'm with ig04 (currently banned but adjusted the policy so i can still park my on the road with no entitlement to drive as i've been banned for 9 months) and this year i paid 654. This is higher than it could have been as it's paid on monthly instalments and i never did a comparison last year and took a £60 increase because I was too lazy.
Doing a speculative insurance quote with comparethemarket for insurance beginning a fortnight after my ban ends (9/10/17) the cheapest is tesco at £539. My insurance has in fact gone down with a D30. It probably wouldnt have worked out cheaper if i had the cheapest possible policy thus last year.
The cheapest my insurance ever was was with tesco in 2015, at £490. This was when i used to pay the policy in one go rather than monthly.
I'm 27, male, no points, 6 years NC, city postcode, drive 9000 miles a year and own a 2010 1.4 astra.
Mikei
Member
Mikei
Member
Hi
guys I need help my ban will end in 2 weeks I check on my insurance calculation and is show as well my insurance cheaper than before ban by £300 but my question is as I was driving for 6 years I had 6 years NCB I gonna lose all 6 years NCB? Because I had accident as well I hitt in parked car itI had colision and my car was writen off and end up on crap yard because the repaor of tires shoulder was too expensive I was not injured as I was driving very slow the owner of hited car report claim to my insurance polici and I had to pay full year of premium wich I make by instalkment and lay by today but the question is I lost all 5 or 6 years of NCB ? because if I write in insurance calculator that I have 0 NCB because of ban and accident my insurance is higer by £2200 but when I write my 6 years NCB than the insurance come cheaper it is £800 without NCB £3000 so I have no idea wich ones is right because I do not want to have problem with insurer for false imformation because that can cost me another points on my licence I am on DR10 sorry for my writing I am from Spain.
guys I need help my ban will end in 2 weeks I check on my insurance calculation and is show as well my insurance cheaper than before ban by £300 but my question is as I was driving for 6 years I had 6 years NCB I gonna lose all 6 years NCB? Because I had accident as well I hitt in parked car itI had colision and my car was writen off and end up on crap yard because the repaor of tires shoulder was too expensive I was not injured as I was driving very slow the owner of hited car report claim to my insurance polici and I had to pay full year of premium wich I make by instalkment and lay by today but the question is I lost all 5 or 6 years of NCB ? because if I write in insurance calculator that I have 0 NCB because of ban and accident my insurance is higer by £2200 but when I write my 6 years NCB than the insurance come cheaper it is £800 without NCB £3000 so I have no idea wich ones is right because I do not want to have problem with insurer for false imformation because that can cost me another points on my licence I am on DR10 sorry for my writing I am from Spain.
The best people to contact regarding this is the insurer you were insured with when you made the claim, they will be the ones who provide you (or a new insurer) with evidence of your NCB.
Jools
Well-known member
Who are Think please? I need to sort insurance in the next couple of months when I get my license back. I had 20 years no claims previously!
Enter code DRINKDRIVING10 during checkout for 10% off
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