ZZTopWereHere
Well Known Member
Hi all,
While my case is discussed in the thread http://www.forum.drinkdriving.org/have-you-been-caught-convicted-drink-driving/79800.htm, I'm starting this new thread to cover my concerns regarding what to do with my insurance when I'll be sentenced soon (if you don't want to read my whole other thread, I blew 47 with no prior criminal or road-related offense and I'm expecting at least a 9-month ban taking a rehab training).
I have double checked, and indeed my insurance questionnaire included two specific questions related to drink driving, and the answers (no and no) will most definitely not apply anymore after the court hearing. Therefore, at least to leave my car insured against theft while parked, I will have to update my insurance after the hearing because the contract is breached if the original conditions do not apply anymore.
In the meantime, the only positive side of my incident is that my wife asked for a provisional licence and will start taking driving lessons soon. She wanted to take a driving licence also to broaden her employment opportunities but we've never prioritised this as much as we're clearly doing now. Soon we'll be left with a car that no one would be entitled to drive.
Currently I believe that the best course of actions once my wife will start her lessons would be to transfer the car insurance to her altogether. There might still be a premium for a learner/new driver but it should be still better than a DR10 person that anyway won't be able to drive the car for months.
Eventually, when my ban will be over, the ideal epilogue would be to have the insurance cover both of us, so that I can actually start driving again.
Therefore I'm envisioning three stages:
1) Parked car with updated insurance in my name to play honest with the insurance and have at least the car covered against theft.
2) Car covered under my wife's name and no mention of myself, I'll be just a passenger.
3) My name added to my wife's name to be able to drive both when I'll be over my ban.
Here are my questions, as I haven't seen a thread discussing this specific sequence of actions:
A) At stage 1, should I expect an immediate premium increase or, given that I can't drive anyway and therefore I don't increase, but rather decrease, any risk factor, will it just be a formality with no additional cost?
B) At stage 2, is it straightforward to "swap names" or is it really a matter of terminating my current contract and start a fresh one?
C) At stage 3, should I expect a premium increase equivalent to having the insurance in my name or would the final premium be an average between me and my wife considering that she'll have a clean record?
D) Is my plan feasible/reasonable or would there be some better course of action to take given my condition?
E) Is my plan based on any wrong assumption?
Thanks in advance for your feedback and sorry if I missed any similar thread, I'm happy to read other posts if my questions are already answered.
Thanks and best regards,
Z
While my case is discussed in the thread http://www.forum.drinkdriving.org/have-you-been-caught-convicted-drink-driving/79800.htm, I'm starting this new thread to cover my concerns regarding what to do with my insurance when I'll be sentenced soon (if you don't want to read my whole other thread, I blew 47 with no prior criminal or road-related offense and I'm expecting at least a 9-month ban taking a rehab training).
I have double checked, and indeed my insurance questionnaire included two specific questions related to drink driving, and the answers (no and no) will most definitely not apply anymore after the court hearing. Therefore, at least to leave my car insured against theft while parked, I will have to update my insurance after the hearing because the contract is breached if the original conditions do not apply anymore.
In the meantime, the only positive side of my incident is that my wife asked for a provisional licence and will start taking driving lessons soon. She wanted to take a driving licence also to broaden her employment opportunities but we've never prioritised this as much as we're clearly doing now. Soon we'll be left with a car that no one would be entitled to drive.
Currently I believe that the best course of actions once my wife will start her lessons would be to transfer the car insurance to her altogether. There might still be a premium for a learner/new driver but it should be still better than a DR10 person that anyway won't be able to drive the car for months.
Eventually, when my ban will be over, the ideal epilogue would be to have the insurance cover both of us, so that I can actually start driving again.
Therefore I'm envisioning three stages:
1) Parked car with updated insurance in my name to play honest with the insurance and have at least the car covered against theft.
2) Car covered under my wife's name and no mention of myself, I'll be just a passenger.
3) My name added to my wife's name to be able to drive both when I'll be over my ban.
Here are my questions, as I haven't seen a thread discussing this specific sequence of actions:
A) At stage 1, should I expect an immediate premium increase or, given that I can't drive anyway and therefore I don't increase, but rather decrease, any risk factor, will it just be a formality with no additional cost?
B) At stage 2, is it straightforward to "swap names" or is it really a matter of terminating my current contract and start a fresh one?
C) At stage 3, should I expect a premium increase equivalent to having the insurance in my name or would the final premium be an average between me and my wife considering that she'll have a clean record?
D) Is my plan feasible/reasonable or would there be some better course of action to take given my condition?
E) Is my plan based on any wrong assumption?
Thanks in advance for your feedback and sorry if I missed any similar thread, I'm happy to read other posts if my questions are already answered.
Thanks and best regards,
Z