INSURANCE PRICES after being convicted of drink driving

[TimTom]

Hello,
I am disqualified for 16 months (12 months after completing the course).
I will get my licence back in February.

I used to pay 250-300 / year for my car insurance.

What price increase should I expect roughly? Will it double or more, less, any ideas?

Thanks

 

[January]

Hello,
I am disqualified for 16 months (12 months after completing the course).
I will get my licence back in February.

I used to pay 250-300 / year for my car insurance.

What price increase should I expect roughly? Will it double or more, less, any ideas?

Thanks

If you go on some comparisons sites it will give you an idea .or call a broker Make sure the DR10 conviction is recorded on the site will give you an idea. I used a broker as I wanted to guarantee the DR10 was recorded as if not insurance invalid. I also had 9 year no claims I had protected & a letter from old company saying this
The model of car is a factor, length of licence & age
Worth shopping about but just nb the driving DR10 is recorded as criminal conviction not just driving ie points
Same for house insurance you have to declare it or the person insuring where you live -

 

[abigailjay]

Hello,
I am disqualified for 16 months (12 months after completing the course).
I will get my licence back in February.

I used to pay 250-300 / year for my car insurance.

What price increase should I expect roughly? Will it double or more, less, any ideas?

Thanks

This is honestly such a wide open question. Car insurance is based on so many factors, and differs for absolutely everyone, I recently did a quote on the car I just bought, and it's the cheapest my insurance has ever been

 

[TimTom]

Thanks guys,
I know that.

I was hoping more for: " I used to pay 300 a year for my mondeo, I pay 450 for it (or similar car) now" etc sort of answers
If you know what I mean.

 

[TimTom]

This is honestly such a wide open question. Car insurance is based on so many factors, and differs for absolutely everyone, I recently did a quote on the car I just bought, and it's the cheapest my insurance has ever been

What insurer did you use?

 

[abigailjay]

What insurer did you use?

I haven't insured the car yet, but this was based on the cheapest quote on compare the market from from "quote detective" (I think)

 

[C J 1980]

Morning

When I insured myself after the conclusion of my ban, I was surprised it was not higher. The quote I got was around £50 more than my last insurance premium pre the DUI offence.

I was fortunate that I had 10+ years no claims that I used (they are valid for two years and I was banned for 22 months!). Also, I believe the area you live in has an impact on insurance which could be down to things like the volume of reported vehicle crime.

CJ

 

[Polly3]

This is honestly such a wide open question. Car insurance is based on so many factors, and differs for absolutely everyone, I recently did a quote on the car I just bought, and it's the cheapest my insurance has ever been

It is however an understandable question . Good for you re your quote , although it sounds quite unusual. Car insurance does differ according to many factors as you say. However I did think that the one constant would be an increase in the event of any conviction , especially DR10.
I’m back on the road now . I had no idea what to expect but was thinking of perhaps £1500 ( Ive no no claims : expired) . Pleasant surprise £900. 19 plate, 1.4 litre, Kia. Basic car , no frills .

 

[Recovered22]

Morning

When I insured myself after the conclusion of my ban, I was surprised it was not higher. The quote I got was around £50 more than my last insurance premium pre the DUI offence.

I was fortunate that I had 10+ years no claims that I used (they are valid for two years and I was banned for 22 months!). Also, I believe the area you live in has an impact on insurance which could be down to things like the volume of reported vehicle crime.

CJ

There's over a £200 per year difference between my parents address and the address I'm living at now. As other posters have said there is a magnitude of factors at play, some people like CJ have 10 years NCB in their court and years of driving experience and seen little change. Then with myself I had 4 years NCB and 6 years driving experience and seen my premium just over double in the first year from my ban. It's now 3 years post ban and my insurance has returned to the price it was pre-ban.

Age, years since licence first issued, make and model, post code, no claims bonus, claim history, conviction history, occupation, mileage and use of car (social, domestic and pleasure/ commuting/ business) all have an impact on the final premium. But all of your details into confused, but just change the ban date to make it that your ban has just expired and that will give you the prices to expect.

 

[abigailjay]

It is however an understandable question . Good for you re your quote , although it sounds quite unusual. Car insurance does differ according to many factors as you say. However I did think that the one constant would be an increase in the event of any conviction , especially DR10.
I’m back on the road now . I had no idea what to expect but was thinking of perhaps £1500 ( Ive no no claims : expired) . Pleasant surprise £900. 19 plate, 1.4 litre, Kia. Basic car , no frills .

Yea it's just very weird how they work it out.

I'd only been on the road for 2 years prior to being banned

First year was £1400
2nd just over £1000
Recent quotes are coming in at £960

 

[C J 1980]

Yea it's just very weird how they work it out.

I'd only been on the road for 2 years prior to being banned

First year was £1400
2nd just over £1000
Recent quotes are coming in at £960

Abigail

If it is any consolation, when I first started driving in 1999 as an 18-year-old, my first insurance policy was just shy of £1,000 for a 1.2 litre Vauxhall Nova (does anyone remember those?).

I don't know how old you are, but insurance is always pricey for young people, even for cars with smaller engines. The prices you have stated were not uncommon to what I was paying in my first couple of years driving (without any driving convictions).

CJ

 

[Recovered22]

Abigail

If it is any consolation, when I first started driving in 1999 as an 18-year-old, my first insurance policy was just shy of £1,000 for a 1.2 litre Vauxhall Nova (does anyone remember those?).

I don't know how old you are, but insurance is always pricey for young people, even for cars with smaller engines. The prices you have stated were not uncommon to what I was paying in my first couple of years driving (without any driving convictions).

CJ

The humble Nova. Remove the hazard light switch, turn it upside down, reinsert it, press it and on comes the ignition. Just a bump start then and you're away. The first car with built in keyless entry and keyless start, truly ahead of it's time

My insurance on my first year driving was £1400 on a 1.0 Peugeot 106 down to £980 the second so your quotes are not far off where I was.

 

[abigailjay]

Abigail

If it is any consolation, when I first started driving in 1999 as an 18-year-old, my first insurance policy was just shy of £1,000 for a 1.2 litre Vauxhall Nova (does anyone remember those?).

I don't know how old you are, but insurance is always pricey for young people, even for cars with smaller engines. The prices you have stated were not uncommon to what I was paying in my first couple of years driving (without any driving convictions).

CJ

I'm almost 32 so not young young! 1000£ I can deal with if I pay a chunk upfront and split the rest over 10 months. I'm hoping 5 years down the line it becomes reasonably less

 

[C J 1980]

The humble Nova. Remove the hazard light switch, turn it upside down, reinsert it, press it and on comes the ignition. Just a bump start then and you're away. The first car with built in keyless entry and keyless start, truly ahead of it's time

My insurance on my first year driving was £1400 on a 1.0 Peugeot 106 down to £980 the second so your quotes are not far off where I was.

Vauxhall did a saloon Nova which looked like a pensioner's car. Thankfully mine was the hatchback which was quite sporty.

I then moved onto a Ford Escort 1.6 turbo diesel which was fabulous car. Ford's stopped making the Escort in 2000 and I had mine till around 2004.

You never see Nova's on the road now. Escort's are now a rarity too, although you do still see the odd one floating around.

The biggest problem with that era of car was the bodywork was prone to rust and decay quite badly around the wheel arches and the sills under the doors.

CJ

 

[price1367]

Hello,
I am disqualified for 16 months (12 months after completing the course).
I will get my licence back in February.

I used to pay 250-300 / year for my car insurance.

What price increase should I expect roughly? Will it double or more, less, any ideas?

Thanks

If you used to pay 250-300 then you are not a youngster, I presume…..
I have tried getting quotes on compare the market putting my own details in (also rather senior in years) with no convictions, then adding a DR10. Broadly that produced an increase of about 40%. Whilst you have to declare the conviction for 5 years, that increase will taper off each year.

 

[Gilln1]

I used a broker as I wanted to guarantee the DR10 was recorded as if not insurance invalid. I also had 9 year no claims I had protected & a letter from old company saying this
The model of car is a factor, length of licence & age

Why do you keep copying and pasting snippets from other people's posts.....old ones?

You have done it again here using words that January posted back in 2021, and have used my words on another, amongst others.

Very strange behaviour

 

[TCB1989]

Why do you keep copying and pasting snippets from other people's posts.....old ones?

You have done it again here using words that January posted back in 2021, and have used my words on another, amongst others.

Very strange behaviour

This also happened on a post recently however the original thread was from 2016?