cc2491
Member
I got banned in March last year, for drink driving, when i was 19. My ban ended in March this year, but i've only got around to applying for my license now. I've been looking at Insurance for a short while now, and have come to realise it's not all Doom and Gloom.
Although price-comparison sites are usually useless for convicted drivers, it always helps to tweak the information you give them, and there are simple ways you can lower your premium.
1. Employment
You should always try getting a few quotes with differtent job titles that are similar to your own. For example, if you are unemployed, tell them you are a housewife/husband. This lowers your premium significantly.
2. License
Many people tell insurance companies they've held their license since the date they got it back after a ban. This is wrong. You are supposed to tell them the date you FIRST passed your test, regardless of any ban.
3. Driving Experience
Another thing you should remember when on comparison sites is to tell them about your driving experience. It often asks if you have held insurance in your name within x amount of years. Even if you were a named driver, click yes. It will then ask you what type of experience you have, e.g Policy Holder or Named Driver. It will then ask you how many years you have been driving. Again, this will lower your quote.
4. Type of Cover
Very often, comprehensive insurance can be cheaper than third party, or third-party, fire and theft. I, a 20 year old, with a drink driving conviction, got quoted over £3000 for third party, but;
I got quoted just £1900, for a 1999 Astra 1.4 5 door, from Endsleigh.co.uk, through moneysupermarket.com
I hope these tips help someone, as i know what a pain it can be to get insured after a drink driving conviction. Don't forget to phone around for quotes aswell, as they can be cheaper if you ring them. Good Luck!!
Although price-comparison sites are usually useless for convicted drivers, it always helps to tweak the information you give them, and there are simple ways you can lower your premium.
1. Employment
You should always try getting a few quotes with differtent job titles that are similar to your own. For example, if you are unemployed, tell them you are a housewife/husband. This lowers your premium significantly.
2. License
Many people tell insurance companies they've held their license since the date they got it back after a ban. This is wrong. You are supposed to tell them the date you FIRST passed your test, regardless of any ban.
3. Driving Experience
Another thing you should remember when on comparison sites is to tell them about your driving experience. It often asks if you have held insurance in your name within x amount of years. Even if you were a named driver, click yes. It will then ask you what type of experience you have, e.g Policy Holder or Named Driver. It will then ask you how many years you have been driving. Again, this will lower your quote.
4. Type of Cover
Very often, comprehensive insurance can be cheaper than third party, or third-party, fire and theft. I, a 20 year old, with a drink driving conviction, got quoted over £3000 for third party, but;
I got quoted just £1900, for a 1999 Astra 1.4 5 door, from Endsleigh.co.uk, through moneysupermarket.com
I hope these tips help someone, as i know what a pain it can be to get insured after a drink driving conviction. Don't forget to phone around for quotes aswell, as they can be cheaper if you ring them. Good Luck!!