Insuring my car whilst banned..

Insuring my car whilst banned..

Author
Discussion

JoPo1

Original Poster:

386 posts

157 months

Sunday 19th October 2014
quotequote all
Hi,

On the 31st October I'll most likely be banned for totting up..not relevant but just for the nosey people.
Anyway my policy was renewed 3 months ago and is up in 9 months.
I am the policy holder with three named drivers.

What's the rules? Do I cancel this and reinsure the car under someone else with a valid license or will my policy still be valid, obviously not for me driving but for my named drivers and for the purposes of fire or theft?

Basically, can I leave it insured in my name even though I'm disqualified?

It's probably a daft question but I want to make sure I get everything is sorted before I lose my license.

Thanks for your help.

photosnob

1,339 posts

118 months

Sunday 19th October 2014
quotequote all
It depends how much you pay for insurance. Technically I suppose you are meant to inform them, but realistically how are they going to know, and if they did find out what are they going to do? You may as well keep the years no claims if it will help you out.

Also don't assume totting up bans are automatic. Look up exceptional hardship and be creative. If you start doing stuff now that will help you won't be lying. Driving elderly relatives to the shops seemed like a good one when I had to go to court for speeding. Explaining how isolated they would be without the life line of you as there taxi.

Drumroll

3,755 posts

120 months

Sunday 19th October 2014
quotequote all
The OP has a duty to inform his insurers if he is disqualified. how he deals with it from there depends on his insurers.

SLCZ3

1,207 posts

205 months

Monday 20th October 2014
quotequote all
Generally, dependent on the severity of the offence, your insurer will keep the insurance going,when the renewal comes up will then change the premium accordingly, that is what happened to me.

TooMany2cvs

29,008 posts

126 months

Monday 20th October 2014
quotequote all
photosnob said:
Look up exceptional hardship and be creative. If you start doing stuff now that will help you won't be lying. Driving elderly relatives to the shops seemed like a good one when I had to go to court for speeding. Explaining how isolated they would be without the life line of you as there taxi.
"And how long have you been providing this vital social service, Mr Po1?"
Umm, ten days, yeronner, since some bloke on the internet suggested it'd be a good way to not be banned...

photosnob

1,339 posts

118 months

Monday 20th October 2014
quotequote all
TooMany2cvs said:
"And how long have you been providing this vital social service, Mr Po1?"
Umm, ten days, yeronner, since some bloke on the internet suggested it'd be a good way to not be banned...
How many times have you been to the Magistrates for speeding matters?

For a start you wouldn't be calling the magistrates "yeronner". Are you are honestly saying that with a little bit of knowledge you can't manipulate the exceptional hardship provisions?

The way I suggested would not be lying. It might be taking advantage of the system - however the system is set up so people can.

"I need my car because I take my elderly mother out to do her shopping and to see her ailing friends. She cannot drive nor use the internet. Without my doing this for her she would be cut off from all social interaction, and she would probably have to go into a care home - she would not even be able to do her shopping. I have here a letter from both her, and her Doctor saying the same thing..."

That would work - you can try and deny it, but for a totting up reasons they would not ban you.

TooMany2cvs

29,008 posts

126 months

Monday 20th October 2014
quotequote all
photosnob said:
The way I suggested would not be lying.

Without my doing this for her she would be cut off from all social interaction, and she would probably have to go into a care home
Yet, strangely, that wasn't an issue until a week and a bit before the court case...

balls-out

3,608 posts

231 months

Monday 20th October 2014
quotequote all
Assuming you are down as the main driver, then your inability to drive the car is a change that you should tell the insurance company.

If one of your named drivers is a high risk profile than you, I guess this could be considered fronting as one of them must become the main driver?

TooMany2cvs

29,008 posts

126 months

Monday 20th October 2014
quotequote all
Oh, and as far as...

photosnob said:
How many times have you been to the Magistrates for speeding matters?

For a start you wouldn't be calling the magistrates "yeronner". Are you are honestly saying that with a little bit of knowledge you can't manipulate the exceptional hardship provisions?
I'll bow to your clearly superior experience...

annsxman

295 posts

242 months

Monday 20th October 2014
quotequote all
Just remember that the "exceptional hardship" must be for a third party or parties not you. Thus, the aged relative or your employees who might find themselves without a job if you weren't out there hustling for new business, all might work. Get independent back up such as Doctor, Social Worker, Managing Director, Fellow Board member as appropriate.

un1corn

2,143 posts

137 months

Monday 20th October 2014
quotequote all
I'm also facing the prospect of a ban in the near future.

It's a horrible feeling frown

It's a shame I don't earn £90,000 a week kicking a football around on Sunday otherwise i'd be totally fine.

V8Ford

2,675 posts

166 months

Monday 20th October 2014
quotequote all
Money talks unfortunately (or fortunately, if you're a footballer).

For us mere mortals the best course of action is not to get so many points in the first case...